5 Year Fixed / 30 Year AM Program

Rate: Rates start at 7.5% principal and interest
Fees: Start at 3%
Term: Fully amortized 5 year AM loan
Loan Amount: $70,000 and up
Loan-to-Value: up to 65% LTV
Credit Score: Minimum 650 score
Purchase: up to 70% LTV based on purchase price
Refinance Rate and Term : up to 70% LTV
Refinance Cash Out : 65% LTV
Availability: Available in most states

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Other Loan Products

Fix and Flip Loan Premier +

Additional docs may be required, case by case

Terms:

  • Rate: Rates from 8.5% ( rate goes up based on credit, experience, LTV and risk factors )
  • Fees: 2-3% loan fee ( min $3000 fee )
  • Term: 12 month loan term
  • Loan Amount: 85k minimum loan amount
  • Property Type: Non-owner occupied Condos, Townhomes, Multifamily and Mixed-Use Property.
  • Credit Score: Min. 650 score
  • Loan-to-Value: Up to 70% ARV
  • Loan Type: Purchase Rehab Loans or Refinance Rehab Loans , New Build ( case by case )
  • Experience : Min. 3 Projects Completed in past 24 months

We provide hard money Fix and Flip Loans to purchase and rehab non-owner occupied properties throughout the Southeast United States.

Documentation Required:

  • Application, Executed Contract, Itemized Rehab Budget
  • Last 3 Bank / Savings Statements
  • Appraisal of ARV by Atlanta Private Lending approved appraiser (borrower is responsible for payment)
  • All Business Entity Documents
  • Credit Authorization Form

Fix and Flip Hard Money

Additional docs may be required, case by case

Terms:

  • Rate: Rates from 11%
  • Fees: 3-4% loan fee ( min. $3500 fee )
  • Term: 12 month loan term
  • Loan Amount: 25k minimum loan
  • Property Type: Non-owner occupied Condos, Townhomes, Multifamily and Mixed-Use Property.
  • Credit Score: No minimum score
  • Loan-to-Value: Up to 70% ARV
  • Loan Type: Purchase Rehab Loans or Refinance Rehab Loans New Build ( case by case )

We provide hard money Fix and Flip Loans to purchase and rehab non-owner occupied properties throughout the Southeast United States.

Documentation Required:

  • Application, Executed Contract, Itemized Rehab Budget
  • Last 3 Bank / Savings Statements
  • Appraisal of ARV by Atlanta Private Lending approved appraiser (borrower is responsible for payment)
  • All Business Entity Documents
  • Credit Authorization Form

Bridge Lending

Additional docs may be required, case by case

Terms:

  • Rate: Rates from 8%
  • Fees: From 3%
  • Term: 1-3 years
  • Loan Amount: $75,000 +
  • Property Type: Residential or Commerical Property
  • Credit Score: Min. 600 ( lower reviewed case by case )
  • Loan-to-Value: Up to 80% LTV
  • Loan Type: Purchase, Refinance or Cash Out
  • Availability: Available in most states
    No DSCR requirements

We provide hard money new construction loans to build non-owner occupied properties throughout the Southeast United States.

Documentation Required:

  • Application, Executed Contract
  • Last 2 Bank / Savings Statements
  • Appraisal by Atlanta Private Lending approved appraiser (borrower is responsible for payment)
  • All Business Entity Docs

Rental Property Loans

Additional docs may be required, case by case

Terms:

  • Rate: from 6.5%
  • Fees: as low as 2.5%
  • Term: 5 and 30 year fixed options
  • Loan Amount: 85k minimum loan amount
  • Property Type: Residential Property
  • Credit Score: Min. 680 ( lower case by case )
  • Loan-to-Value: Up to 80% LTV
  • Loan Type: Purchase or Rate and Term Refi ( Cash out- case by case )
  • Availability: Available in most states
    1.25% DSCR

We provide hard money new construction loans to build non-owner occupied properties throughout the Southeast United States.

Documentation Required:

  • Application, Executed Contract , Lease Agreement
  • Last 2 Bank / Savings Statements
  • Appraisal by Atlanta Private Lending approved appraiser (borrower is responsible for payment)
  • All Business Entity Docs

True Hard Money

Additional docs may be required, case by case

Terms:

  • Rate: Rates from 10-14%
  • Fees: Starting at 3%
  • Term: 12 months ( longer terms case by case )
  • Loan Amount: $20,000 to $5,000,000
  • Property Type: Residental or Commercial ( mainly income producing )
  • Credit Score: Case by case
  • Loan-to-Value: Up to 65% LTV
  • Loan Type: Purchase, Refinance, Cash Out
  • Availability: Most states , all deals case by case

We provide hard money new construction loans to build non-owner occupied properties throughout the Southeast United States.

Documentation Required:

  • Application
  • Last 2 Bank / Savings Statements
  • Appraisal by Atlanta Private Lending approved appraiser (borrower is responsible for payment)
  • All Business Entity Docs

What We Offer?

We are accepting the following scenarios:
  • Purchase and Rehab Loans
  • Rehab Only Loans
  • Refinance or Cash Out Loans
  • New Construction Loans
  • Residential Property up to 4 units
  • Commercial Bridge Loans
  • Direct Hard Money USA Lender

* We Do Not Lend To Owner Occupants

Why Use Hard Money USA?

Experience the difference
  • We offer real estate investors niche lending programs
  • Purchase Rehab loans for investors looking to "flip" property
  • Flexible loan terms from 6 months to 3 years
  • Cash out / Refinance loans
  • Common Sense Underwriting
  • Collateral Based Lending
  • Offers are not based on credit and income

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