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Loan Programs

Hard Money USA offers investors financial options on the following property types:

Get Pre-ApprovedREHAB LOANSRental PurchaseRental Refinance COMMERCIAL
Lender Feestarting at 3%
2% to 4%
2% to 4%
Interest RateStarting at 10%
Varies on LTV and Experience
Varies on LTV and FICO
Varies on LTV and FICO
Varies on LTV and FICO
Down PaymentStarting at 10%
Starting at 20%
Refinance none
20% and up
Termup to 12 months
600 min score
Up to 75% LTV
3,5,7 and 30 year terms
min 620 score
Up to 75% LTV
3,5,7 and 30 year terms
min 620 score
Up to 70% LTV
Case by case based on specific loan scenarios
STATESNationwide - contact for more infoNationwide - contact for more infoNationwide - contact for more infoNationwide - contact for more info


Property Type:

Residential, SFR, Condo, Townhome, Up to 4 Units
Commercial: Most Property types, contact us for more info, all loans case by case

Area we lend in:


Lien Position:

1st Mortgage Only

Loan Size:

$75,000 – NO MAX LOAN!

Loan Term:

12 to 360 months

Needed Documents

1: Completed Loan App
2. Purchase Contract or HUD from previous closing ( ref)
3. Rehab List (if applies)
4. Last 2 months bank statements
5. For rehab loans send us summary of experience including recently purchased, rehabbed, sold projects* More docs may be required, each deal is reviewed on a case by case basis.

Loan Type:

Rental Purchase and Refinance / Cash Out Loan:

This loan is for clients looking to purchase residential investment property the wish to hold as rental or seeking refinance/ cash out against property they have financed in a hard money loan they wish to hold as rental. Cash out is OK. At 75% LTV w/ low docs required this is one of the most competitive loan programs on the market. Did I mention NO POINTS with 650 score?

Commercial Bridge:

Case by case Nationwide
Very similar to the description above only for commercial property. Our maximum loan amount will be reached at 75% of current market value on commercial properties

This loan is for our clients with commercial property to assist them in bridging the gap between (our) private lending and a traditional or bank loan.

Purchase Rehab Loan:

This loan is for the acquisition and renovation of residential investment property. We loan up to 75% ARV under this program.

Disclosure: Hard Money USA is not offering to buy or sell securities. Hard Money USA is a loan wholesaler. Hard Money USA is not a licensed residential mortgage loan originator