What is a Hard Money Loan?
Hard money loans are short-term loans secured by real estate, primarily used by investors for purchasing and renovating properties. Unlike traditional loans, hard money loans rely more on the value of the property rather than the borrower's creditworthiness. They are often sought after for their speed and flexibility in financing, making them an attractive option for real estate investors looking to seize opportunities quickly.
What is A HARD MONEY LOAN?
The Basics Explained
Short-term, real estate-backed financing designed for investors who need fast access to capital.
What Documentation is Needed?
Simplified
To get started, you'll need property details, a purchase agreement, your exit strategy, and basic financial information.
What Are Your Interest Rates?
Rates
Our rates generally range from 7% to 12%, depending on factors such as property type, loan-to-value (LTV) ratio, and the borrower’s experience.
What Are Your Typical Loan Terms?
What to Keep in Mind
Loan terms vary based on the deal, but generally include:
- Loan Amounts: $100K–$50M+
- Loan-to-Value (LTV): Up to 75%
- Interest Rates: 8%–15%
- Term Length: 6–24 months
- Prepayment: No prepayment penalties on most loans
Do You Require Perfect Credit?
No. Our primary focus is on the property's value and your investment strategy—not your credit score.
Can New Investors Apply?
Absolutely. Whether you're new to real estate or growing your portfolio, we offer flexible funding solutions and support tailored for first-time investors.
What Property Types Do You Finance?
We finance a wide range of properties, including residential (1–4 units), multi-family, commercial, mixed-use, and land development—nationwide across all 50 states.