Hard Money Loans
Hard Money Loans
Hard money loans are short-term, asset-based loans funded by private lenders rather than banks or traditional institutions. They are designed for real estate investors who need to move quickly — whether that's closing on a fix-and-flip, bridging between transactions, or acquiring a distressed property that conventional lenders won't touch. Speed and flexibility are the defining advantages.
Program Highlights
Close in Days, Not Months
Hard money loans can close in as little as 5–10 business days — ideal for time-sensitive deals and auctions.
Asset-Based Lending
Qualification is based primarily on the property value and equity, not your credit score or income.
Fix-and-Flip Financing
Finance both the purchase price and renovation costs in a single loan with draw schedules for rehab funds.
Bridge Loan Solutions
Bridge the gap between buying a new property and selling an existing one without missing an opportunity.
Flexible Terms
Short-term loan structures typically ranging from 6 to 24 months with interest-only payment options.
No Prepayment Penalty
Pay off your loan early when you sell or refinance without penalty on most programs.
Common Use Cases
Fix and Flip
Purchase a distressed property, fund the renovation, then sell for a profit — all under one loan.
Bridge Financing
Secure a new property before your current one sells, then pay off the bridge loan at closing.
Auction Purchases
Win at auction with proof of funds and close quickly — traditional financing cannot move fast enough.
Ground-Up Construction
Finance land acquisition and construction costs for new residential or small commercial builds.
Distressed Properties
Finance properties that do not qualify for conventional financing due to condition or occupancy.
Portfolio Acquisitions
Quickly acquire multiple properties in a portfolio deal where speed and flexibility are critical.
Frequently Asked Questions
What interest rates do hard money loans carry?
Hard money rates are higher than conventional loans — typically ranging from 9% to 14% depending on the lender, LTV, property type, and borrower experience. The trade-off is speed, flexibility, and access to deals that traditional lenders will not finance.
How much can I borrow?
Most hard money lenders will lend up to 65%–75% of the after-repair value (ARV) for fix-and-flip loans, or 70%–80% of the purchase price for bridge loans. Loan amounts typically range from $100,000 to $5M+.
Do I need good credit?
Credit is less important than with conventional loans, but most lenders still review your credit profile. Minimum scores typically start around 600, and a stronger profile can improve your rate and terms.
Can I use a hard money loan for a primary residence?
Hard money loans are primarily used for investment properties. Owner-occupied hard money loans are subject to additional regulations and are less common. Contact us to discuss your specific scenario.
Move Fast on Your Next Deal
Don't let slow financing cost you a great investment opportunity. Contact us today to discuss your hard money loan scenario.
Ready to Get Started?
Let our family help yours. Call us at 561-207-8082 or apply online today.