In-House Equity-Based Hard Money Loans
Welcome to old-school, asset-backed lending. We offer flexible, straightforward hard money financing designed around your property's value, not your credit score.
Because we fund our loans directly out of an internal debt fund and handle all servicing in-house, we can bypass the red tape to secure your capital quickly.
Why Choose Our Hard Money Loans?
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No Credit or Income Requirements: We don't require minimum credit scores or proof of income to qualify.
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True Asset-Based Underwriting: As long as you have a decent property and a clear exit strategy, we can structure a deal that works for everyone.
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All Property Types Allowed: We lend across all real estate asset types.
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Rapid Capital Delivery: We typically close these loans in as little as 10 days.
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No Prepayment Penalties: Pay off your loan early without any financial penalty on both 1st and 2nd mortgages.
Hard Money Loan Programs
1st Mortgages
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Leverage: 65% to 70% LTV (Loan-to-Value).
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Interest Rates: 9% – 10.99%.
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Payment Structure: Interest-only payments.
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Loan Terms: 1 to 5 years.
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Origination Fees: 1.5 to 2.5 points.
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Prepayment Penalty: None.
2nd Mortgages
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Leverage: Up to 65% LTV maximum.
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Interest Rates: 11.5% – 12.99%.
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Payment Structure: Interest-only payments.
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Loan Terms: 1 to 3 years.
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Origination Fees: 2 to 3 points.
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Prepayment Penalty: None.
Occupancy Guidelines
Business & Investment Purpose Rule: We only lend on owner-occupied properties if the loan proceeds are strictly used for business or investment purposes.
If you are self-employed or own more than one real estate property, we can potentially structure and approve an owner-occupied loan as a business/investment purpose loan.