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New Construction Loans

  • Loans up to 65% ARV not to exceed 85% loan to cost
  • All credit scores and situations considered
  • Super Fast Funding – Close in as little as 10 days
  • Starting at 11% rate
  • Loan terms up to 12 months
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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: 75k minimum loan amount
  • Property Type: Non-owner occupied Condos, Townhomes, Multifamily and Mixed-Use Property.
  • Credit Score: Min. 640 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 Hard Money USA 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 2%
  • Term: 1-2 years
  • Loan Amount: $75,000 +
  • Property Type: Residential or Commercial 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 United States.

Documentation Required:

  • Application, Executed Contract
  • Last 2 Bank / Savings Statements
  • Appraisal by Hard Money USA 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 4.375%
  • Fees: as low as 2%
  • Term: 5 and 30 year fixed options
  • Loan Amount: 75k 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 or Cash Out Refi
  • Availability: Available in most states
    1.00% DSCR

Documentation Required:

  • Application, Executed Contract , Lease Agreement
  • Last 2 Bank / Savings Statements
  • Appraisal by Hard Money USA 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 2 years
  • Cash out / Refinance loans
  • Common Sense Underwriting
  • Collateral Based Lending
  • Offers are not based on credit and income

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