Private Loan

Private Loan

Direct Private Mortgage Lenders

— Fix & Flip — Cash-Out Refinance — New Construction — Commercial

  • 80% LTV
  • 65% ARV
  • Nationwide
  • Quick Closings
  • 6-24 Month Terms
  • Rates Starting at 8.25%
  • 1-4 Family Residential
  • REO/Short Sale Savvy
  • 620 Minimum Credit Score
  • Foreclosure Auctions
  • Bank REO’s/Short Sales
  • Mixed-Use & Commercial Properties
  • Bridge Loans
  • Speculator Friendly
  • Non-Owner Occupied Properties
  • No Debt Service Coverage
Landing Criteria Residential (1-4 Family) Multi-Family & Mixed Use
Max Loan-To-Value Ratio 80% (Purchase), 70-75% (Refinance) 75% (Purchase), 70-75% (Refinance)
Construction Financing Up to 90% 620+ *
Minimum Rates 10% (8.25% in California) 10.75% *8.75% in California
Pre-Pay 3-6 Months 3-6 Months
Loan Term 12-24 Months 12-24 Months
Minimum Loan Amount $100,000 - $5,000,000 $100,000 - $5,000,000
*Exceptions may be granted on a deal by deal basis
  • Alabama
  • Alaska
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • DC
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • New Hampshire
  • New Jersey
  • New York
  • New Mexico
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming