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What Is a Hard Money Loan?

A hard money loan is just a

short-term loan secured by real estate  funded by our private investors. 

Hard money lenders are mainly concerned with the property’s value rather than the borrower's credit score.  Borrowers with low credit score (even foreclosures or bankruptcy) can still get a hard money loan if there is enough equity in the property that is being used as collateral!

The terms are usually 1 – 3 years,  but can be extended. Monthly payments are usually interest only with a balloon payment at the end of the term.  

By then, the borrower is often able to refinance with a conventional loan.

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