Hard Money Loans

How it Works

Unlike traditional bank loans that have strict guidelines and requirements such as credit scores and income verifications, hard money loans rely on hard assets you already own (real estate). Because we can skip all the bank bureaucracy, the approval process for hard money loans is fast, and you can get your money in as little as 7 days.

Loan Terms

  • Loan to Value up to 65%
  • No Upfront Fees
  • Loan term 1 - 5 years

Qualification

  • BAD CREDIT OK
  • NO INCOME OK
Are there any upfront costs to start the approval process?
NO. We never charge any upfront fees. Contact us today to start the approval process. All fees get paid at loan closing.
Can the loan payments be deferred until the property sells?
YES. We can typically defer loan payments until the property sells. Every situation is different contact us to discuss your loan scenario.
Can I use a mobile home as collateral?
YES. You can use a mobile home as collateral for the loan.
Can I take money out of a property I have listed for sale?
YES. With title in hand, you can take cash out while the property is listed for sale.
How long does the approval process take?
You can be approved as quickly as in 1 day!
How long before I get the money?
You can be funded in as soon as 7 days from the approval time if there is no surprises and you submit all paperwork and documents in a timely manner.
Do I need insurance for my property?
YES. If you're going to use the property as collateral for the loan, that property must be insured.

Example of a loan closing timeline, time to close varies:

  • Day 1Approval
    You get approved as quick as within 24 hours.
  • Day 2-5Processing
    We process the paperwork.
  • Day 6Document Review
    Parties reivew and approve the documents.
  • Day 7Loan Closing & Funding
    Loan is closed at an attorney's office. Money will be wired into your account!
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