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    <loc>https://www.acmis.net/brokers</loc>
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      <image:title>Private Lending, Personalized</image:title>
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      <image:title>Private Lending, Personalized - Investors</image:title>
      <image:caption>Are you looking for a high-yield investment secured by a recorded trust deed on NorCal real estate? Contact us for details on our portfolio, minimum investment as low as $10,000.</image:caption>
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      <image:title>Private Lending, Personalized - Brokers</image:title>
      <image:caption>We have wholesale relationships with mortgage brokers throughout California, and we would love to work with you. Let us help you close 'impossible' deals.</image:caption>
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      <image:title>Private Lending, Personalized - Borrowers</image:title>
      <image:caption>We often say 'Yes' when everyone else has told you 'no'. Owner-occupied and investment single-family, 2-4 units, small commercial, small apartment, and other investment real estate.</image:caption>
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    <lastmod>2025-04-21</lastmod>
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    <loc>https://www.acmis.net/borrowers</loc>
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    <lastmod>2022-06-09</lastmod>
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    <loc>https://www.acmis.net/faqs</loc>
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    <lastmod>2022-06-09</lastmod>
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      <image:title>Frequently Asked Questions</image:title>
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  <url>
    <loc>https://www.acmis.net/about</loc>
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    <lastmod>2026-02-06</lastmod>
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      <image:title>About</image:title>
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      <image:title>About - Bruce Fonarow</image:title>
      <image:caption>Principal &amp; Founder NMLS 289887 | DRE 602886 With over four decades of experience in private lending, Bruce Fonarow has brought together a solid and reliable team, each of whom provide a wealth of experience and exemplary service to our borrowers and investors.</image:caption>
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    <image:image>
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      <image:title>About - Kathie Knighten</image:title>
      <image:caption>Loan Servicing Manager Kathie manages loan servicing and compliance and has been with ACM since 1998. Her keen eye and acute understanding of applicable laws and compliance requirements make her an invaluable asset to the team.</image:caption>
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    <image:image>
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      <image:title>About - Gannon Tidwell</image:title>
      <image:caption>Business Development NMLS 288514 Gannon is an accomplished real estate professional with a diversified background in real estate spanning more than 20 years. Mr. Tidwell is a California licensed Real Estate Broker with cross industry experience in real estate financing, sales and development.</image:caption>
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    <image:image>
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      <image:title>About</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/594afdef72af65ecccefaa73/ef1ad7f6-6842-4129-98b7-0c2d9521ef2f/bonita+blue+background+ROUND+2025.jpg</image:loc>
      <image:title>About - Bonita Clifton</image:title>
      <image:caption>Real Estate Loans &amp; Investments NMLS 100926 | DRE 10147270 Bonita began her career in in the mortgage industry in 1992. She is a top loan originator known for solving complex scenarios with her depth of knowledge in both conventional &amp; private lending.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/594afdef72af65ecccefaa73/1522886636427-PAYO55A3WHZKYPZ2IO4P/sue-circle.png</image:loc>
      <image:title>About - Sue Drawdy</image:title>
      <image:caption>Real Estate Loans &amp; Investments NMLS 295359 | DRE 01056199 Sue is a 25-year veteran of the mortgage industry with an MBA in finance. She has extensive experience investing in residential and commercial properties and trust deeds.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/594afdef72af65ecccefaa73/1522781114490-DVVZLWHLYWBOBKRTJN49/jeff-drawdy-blue-background.png</image:loc>
      <image:title>About - Jeff Drawdy</image:title>
      <image:caption>JEFF dRAWDY</image:caption>
    </image:image>
    <image:image>
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      <image:title>About - Jim Fetter</image:title>
      <image:caption>Real Estate Loans &amp; Investments NMLS 291890 | DRE 602886 Jim has worked as a loan officer at ACM for fourteen years and brings a wealth of experience to ACM. He is a real estate broker as well as an experienced contractor, skill sets that have been invaluable to ACM.</image:caption>
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    <lastmod>2020-10-20</lastmod>
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