Hard Money Lending
Private Capital for Large-Scale Real Estate
Asset-based financing from $500,000 to $20,000,000+. No agency underwriting. No conforming limits. Designed for investors, developers, and luxury buyers who need speed and flexibility.
What Is a Hard Money Loan?
Hard money loans are private, asset-based loans underwritten primarily on the value of the property — not the borrower's income, tax returns, or credit score. They bypass traditional bank underwriting entirely, which means faster closings, flexible qualification, and access to loan amounts that conventional and agency programs simply cannot reach.
Jumbo hard money loans are designed for high-value transactions: luxury residential purchases, large-scale fix-and-flip projects, bridge financing between acquisitions, and ground-up construction. Loan amounts typically range from $500,000 to $20,000,000 or more, depending on the private portfolio lender and the underlying asset.
Because approval is driven by the asset rather than the borrower's financial profile, hard money loans are available to self-employed investors, foreign nationals, borrowers with recent credit events, and LLC entities — situations where traditional financing falls short.
No Agency Underwriting
Approval is based on the asset, not W-2s, tax returns, or debt-to-income ratios. Self-employed, foreign nationals, and LLC entities all qualify.
Fast Closings
Private lenders can fund in as little as 7 days. When a deal requires speed, hard money is often the only viable path.
No Conforming Limits
Loan amounts from $500K to $20M+ with no agency caps. The right lender is matched to the size and type of your transaction.
Interest-Only Payments
Most hard money loans are structured as interest-only, keeping monthly carrying costs low during the hold or construction period.
Common Use Cases
Fix-and-Flip Projects
Short-term financing for acquisition and renovation of residential or commercial properties. Lenders like Anchor Loans and Kiavi specialize in multimillion-dollar projects with fast 7-day funding turnarounds.
Bridge Financing
Bridge the gap between purchasing a new property and selling or refinancing an existing one. Interest-only payments keep carrying costs low during the transition period.
Luxury Real Estate Purchases
Finance high-end residential properties that exceed conforming and jumbo agency limits. Wilshire Quinn offers purchase loans up to $20,000,000 with 3- to 24-month terms.
Ground-Up Construction
Private capital for new construction projects where traditional construction loans are unavailable or too slow. Anchor Loans regularly funds projects well over $10 million.
Foreign National & VISA Borrowers
Cal-Lending offers hard money programs for VISA holders and foreign national borrowers purchasing California high-end residential and investment properties up to $3,000,000.
Cash-Out & Refinance
Access equity in existing investment properties quickly. Wilshire Quinn offers bridge, refinance, and rehab loans with interest-only payments and terms from 3 to 24 months.
Private Lender Network
We work with a curated network of top private portfolio lenders to match each transaction with the right capital source.
Anchor Loans
Funds multimillion-dollar fix-and-flip and ground-up construction projects exceeding standard caps, frequently backing projects well over $10 million using proprietary valuation tools.
Wilshire Quinn
A direct national and Los Angeles-based asset lender offering bridge, purchase, refinance, and rehab loans from $200,000 up to $20,000,000 with 3- to 24-month terms and interest-only payments.
Kiavi
A leading short-term fix-and-flip lender known for quick 7-day turnarounds, competitive rates starting around 7.45%+ APR, and high LTV support up to 95% of purchase price.
Cal-Lending
Offers sub-prime and hard money jumbo programs for California high-end residential and investment properties, including options for VISA and foreign national borrowers up to $3,000,000.
Frequently Asked Questions
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Specialized programs available
Hard money loans are private, asset-based loans offered through third-party portfolio lenders. Loan terms, rates, and availability vary by lender, property type, and transaction. All loans subject to lender approval and underwriting review. Rates shown are representative ranges and not a commitment to lend. Brooks Mortgage, Inc. NMLS #1608346. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License #4139. Equal Housing Lender.