Work Hard Mortgage

Private Money Loans

Up To 80% LTV

Private money Loans refer to the money being lent by a private party or institution that specializes in the financing of non-owner occupied residential investment properties. Borrowers who cannot get conventional financing due to a recent foreclosure or short sale can still obtain a hard money loan if they have sufficient equity in the property that is being used as collateral.

Who Can Qualify

Must be 18 years or older
U.S. Citizens
Green Card Holders (non U.S. Citizen)
H-1B Visa & EAD Card Holders (non U.S. Citizen)

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LOAN DETAILS:

When the banks say “No”, the hard money lenders can still say “Yes”.

LENDING CRITERIA	1 YEAR	2 YEAR	4 YEAR
LTV MAX	75% - 90%	75% - 90%	75% - 90%
FICO REQUIREMENT	NONE	NONE	NONE
PROPERTY TYPES	SFR/1-4/5+/CONDOS	SFR/1-4/5+/CONDOS	SFR/1-4/5+/CONDOS
CURRENT FEES	$1,490	$1,490	$1,490
PRE-PAYMENT PENALTY	4 MONTHS	12 MONTHS	24 MONTHS
TERM EXTENSION FEE	1 POINT / 6 MONTHS	1 POINT / 6 MONTHS	NONE
LOAN AMOUNTS	$100K - $5MM	$100K - $5MM	$100K - $5MM
CLOSING TIME FRAME	5-10 DAYS	5-10 DAYS	5-10 DAYS
COLLATERAL	CROSS COLLATERALIZATION & BLANKET OPTION	CROSS COLLATERALIZATION & BLANKET OPTION	CROSS COLLATERALIZATION & BLANKET OPTION

Ready to Apply? Let’s Get Started.

If you’re ready to take the next step, you can start your application now. It’s quick, secure, and gives us the info we need to help you move forward.

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