Hard Money Loans
Speed and flexibility, secured by the property.
A hard money loan is short-term, asset-based financing where the property itself is the primary basis for approval, allowing for faster closings and more flexible qualification than conventional lending. It's commonly used by investors who need to move quickly on a deal or fund a project a conventional loan can't cover in time.
Who this is for
Is this your loan?
Investors and buyers who need to close fast or don't fit conventional timelines.
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How does a hard money loan work?
A hard money loan is short-term, asset-based financing where the property itself is the primary basis for approval, allowing for faster closings and more flexible qualification than conventional lending. It's commonly used by investors who need to move quickly on a deal or fund a project a conventional loan can't cover in time.
What does a hard money loan include?
- Approval driven primarily by the property's value and exit strategy
- Fast closings, often in days rather than weeks
- Short loan terms, typically 6 to 24 months
- Common uses: time-sensitive purchases, auction properties, bridge capital
Who is a hard money loan best for?
Best for: investors and buyers who need to close fast or don't fit conventional timelines.
Hard Money Loans FAQs
Asked constantly. Answered honestly.
What is a hard money loan?
A hard money loan is short-term, asset-based financing where approval is driven primarily by the property's value and exit strategy rather than the borrower's income or credit profile. It closes fast, often in days, making it a common choice for investors on tight timelines.
What's the difference between a hard money loan and a fix and flip loan?
They overlap but aren't identical. Hard money is a broad category of fast, asset-based short-term financing that can be used for almost any time-sensitive investment purchase. A fix and flip loan is a specific type of short-term investor financing structured to fund both the purchase and the renovation budget, with draws tied to renovation progress.
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