Hard Money Loan

Who it's for

• Real estate investors buying, renovating, and reselling (fix-and-flip)
• Buyers who need to close quickly to secure a property
• Borrowers bridging between a purchase and a sale or a refinance
• Scenarios that don't fit traditional lender guidelines — yet

Key benefits

• Approval centered on the property's value and your plan, not only on tax returns or credit history
• Faster closings than traditional financing in many cases
• Short terms matched to the project — commonly 6 to 24 months
• Flexible structures for renovation and bridge scenarios
• A bridge to long-term financing once the project or the borrower's profile is ready

How it works

1. Consultation — we review the property, the numbers, and your exit plan.
2. Comparison — we compare the scenario across hard money lenders and explain rates, fees, term, and draw terms.
3. Application — we help you submit the property details and the documents lenders ask for.
4. Closing — funding is arranged on the project's timeline, and we stay in touch through the term and the exit.

What lenders typically look for

• A clear property and a clear exit strategy — how the loan gets repaid or refinanced
• Down payment / skin in the game — the borrower typically contributes meaningful equity
• Property valuation and condition review
• Rates and fees are higher than traditional financing, reflecting the speed and flexibility
• Short term — this is not a 30-year loan; the exit plan matters from day one

Hard money is a tool for a specific job — usually short-term. We'll be straight with you about whether it fits, or whether another route is cheaper.

Not sure it fits?

That's normal — and it's exactly what a broker is for. Tell us your scenario and we'll point you to the right starting point, even if it's a different program.

Check My Options →

Other loan programs

• Conventional Loan
• FHA Loan
• VA Loan
• Stated Income / Non-QM Loan
• Refinancing
• HELOC