Hard Money Loans

A Hard Money loan is one of the most popular loan programs that real estate investors utilize for their real estate investments.

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Benefits of

Hard Money Loans

We lend across a range of programs, so the right structure depends on the property, the purpose of the loan, and how quickly you need to close.

A true hard money loan is asset based and made for a business purpose. Underwriting centers on the property and the equity behind it, which is why a past bankruptcy, foreclosure, or collection does not automatically disqualify a file.

Loan amounts from $200,000 to $10,000,000.

also available

We Also Do TRID Loans

Hard money is not all we do. We also originate consumer loans secured by owner occupied property, including primary residences, and we have been doing both since 1988.

Those are TRID loans. They carry the full federal disclosure set, the Loan Estimate and the Closing Disclosure, along with a documented ability to repay review covering income and credit. The asset-based guidelines and two week timelines described elsewhere on this page apply to our business purpose lending, not to a TRID file.

If the property is a home you plan to live in, tell us when you call. We will put the file on the consumer side and walk you through what that path asks for.

Why Should You Use a Hard Money Loan?

Our hard money loans are built for investors purchasing, renovating, or refinancing residential and commercial property.

Speed is the usual reason investors choose them. A hard money loan can fund in about two weeks, against the 30 to 45 days a conventional bank loan typically takes.

Access is the other reason. Because approval rests on the property and the equity behind it, a borrower declined by a bank for credit history, limited income documentation, or a past foreclosure can still qualify. Most applications are reviewed within a day or two, and some are approved within 24 hours.

collateral

Property Types We Lend On

Property that does not appear on this list is still worth a call. We look at collateral other lenders will not, and we will tell you quickly either way.

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Min loan $200,000 up to $10,000,000. Call 954-967-6600 or email info@cfmmtg.com.

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where we lend

Hard Money Loans by Florida County

We lend across all 67 Florida counties. Find yours for what we fund there and how the loan comes together.