At Mortgage Capital, we understand that sometimes you need fast, flexible financing to seize opportunities or manage short-term needs. That’s where hard money loans, also known as bridge loans, come in. These asset-based loans are perfect for real estate investors or businesses looking to acquire property, complete renovations, or stabilize rental income.
Unlike traditional loans, hard money loans are secured by real estate assets rather than your credit score or financial history. They provide a practical, quick-turnaround solution to bridge gaps in financing when time is of the essence.
Why Choose Hard Money Loans from Mortgage Capital?
- Fast Approvals and Funding: Get approved in 48 hours and receive funds in as little as four days after approval.
- Flexible Terms: Loans ranging from $100K to $5M with 1–3 year terms.
- No Credit Score Hurdles: Approval is based on the value of your asset, not your credit history.
- Fixed Interest Rates: Enjoy predictable monthly payments with consistent, fixed rates that won’t fluctuate.
- Tailored Solutions: We customize loans for individual and corporate borrowers to meet unique needs.
When Are Hard Money Loans a Great Fit?
- Up to 100% Loan-to-Value (LTV): Leverage cross-collateral for maximum borrowing potential.
- Property Improvements and Value-Add Projects: Ideal for property repositioning or renovations.
- Quick Closures: Perfect when you need to act fast to seize an opportunity.
- Non-Traditional Borrowers: Great for those with credit scores below bank standards or incomplete financial documentation.
- Bridge Financing: Transition seamlessly from short-term funding to permanent financing once the property is stabilized.
How Hard Money Loans Work
A hard money loan is an asset-based loan backed by real estate. It’s especially beneficial for:
- House Flippers: Secure quick financing to buy, renovate, and sell properties profitably.
- Investors Preparing Income-Generating Properties: Use the loan to renovate properties and get them ready for lease.
- Unconventional Borrowers: Great for individuals with reliable income but limited proof of earnings for traditional banks.
Example:
You’ve identified a great investment property but lack the liquid funds to act quickly. With a Mortgage Capital hard money loan, you can secure the property, complete necessary renovations, and position yourself for success—all without draining your reserves.
What Sets Mortgage Capital Apart?
At Mortgage Capital, we don’t just offer loans—we provide strategic financial solutions tailored to your goals. Here’s what you can expect when you partner with us:
- Rapid Decision-Making: Loan applications are processed and underwritten within 48 hours.
- Interest-Only Payments: Minimize monthly payments during the loan term with interest-only options.
- Expert Guidance: Our experienced team of real estate and financial professionals ensures a seamless, straightforward lending process.
- Bridge-to-Perm Financing: Transition easily from short-term bridge loans to long-term financing with terms up to 30 years.
Optimize Your Hard Money Loan
A hard money loan from Mortgage Capital can unlock powerful investment opportunities:
- Leverage Funds: Minimize out-of-pocket expenses to preserve cash for other investments or unexpected costs.
- Expand Your Portfolio: Quickly acquire and renovate properties to grow your real estate investments.
- Stabilize Projects: Fund renovations to prepare properties for resale or rental income.
Considerations for Hard Money Loans
While hard money loans offer flexibility and speed, it’s important to weigh potential drawbacks:
- Higher Interest Rates: Typically range from 10% to 15%, with points between 2% and 5%.
- Short Terms: Designed for short-term use, with terms between 1 and 3 years.
- Loan-to-Value (LTV) Ratios: Loans typically require LTV ratios between 35% and 60%, depending on risk factors.
Frequently Asked Questions
What makes hard money loans different from traditional loans?
Hard money loans are asset-based, relying on real estate for security, while traditional loans focus on creditworthiness. They also offer faster approvals and fixed interest rates.
Who benefits from hard money loans?
These loans are ideal for house flippers, real estate investors, or anyone needing fast access to capital without meeting conventional lending requirements.
How fast can I receive funding from Mortgage Capital?
Our streamlined process allows you to receive funding in as little as four days after approval.
What is the typical loan size and term?
Loans range from $100K to $5M, with terms typically spanning 1–3 years.
Ready to Take the Next Step?
Mortgage Capital is here to help you move forward with confidence. Whether you’re flipping properties, renovating for rental income, or preparing for a long-term investment, our hard money loans offer the speed, flexibility, and support you need.
Contact us at to speak with one of our experienced professionals and learn how we can help you achieve your real estate goals.