Hard Money Loans & Private Money Loan Solutions

Secure Fast Funding for Your Real Estate Investments

Fast Funding: Receive funding in as little as 48 hours for your real estate projects.

Flexible Terms: Short and long-term options, including 12-month interest-only terms and 30-year fixed rates.

Up to 75% After Repair Value (ARV): Secure funding for fix-and-flip and fix-and-hold projects based on your property’s value after repairs.

No Pre-Payment Penalties: Repay your loan early without any additional fees.


What Are Hard Money Loans & Private Money Loan Solutions?

Hard money loans provide investors with quick access to funding for real estate projects. They are typically short-term and secured by real estate, offering flexibility for investors seeking to renovate or purchase properties. Private money loans, a subset of hard money loans, leverage private investors for funding. At Federal Hill Mortgage, our offerings include:

  • Short-Term Loans: Perfect for fix-and-flip, fix-and-hold, and turnkey rental projects. They offer up to 75% ARV with 12-month interest-only terms.
  • Long-Term Loans: Ideal for refinancing or purchasing investment properties. They offer 30-year fixed rate terms and up to 75% LTV.
  • Turnkey Purchases: Tailored for investors seeking rental properties that require minimal refurbishment, with funding up to 80% of the purchase price.

Our loans are designed to offer flexibility, quick approval, and the potential to generate significant returns on your investment

Applying for Hard Money Loans

The application process for hard money loans with Federal Hill Mortgage is straightforward:

  1. Initial Inquiry: Contact us to discuss your funding needs and receive personalized guidance.
  2. Application Submission: Complete a simple online application detailing your project and financial requirements.
  3. Quick Approval: Benefit from our streamlined approval process with decisions often made within 24 hours.
  4. Funding: Upon approval, receive funding in as little as 48 hours, enabling you to move forward with your real estate investment quickly.

Strategic Funding for Your Real Estate Investments

Secure funding for your next real estate project with our fast and flexible hard money loans. Whether you’re renovating a fix-and-flip or expanding your rental portfolio, our streamlined application process provides tailored solutions to meet your needs. Get approved within 24 hours and funded in as little as 48 hours.

Short-Term Hard Money Loan Solutions

Fix & Flip Loans

Designed for fast profitability, fix-and-flip loans allow you to purchase and renovate properties quickly. These loans are perfect for investors seeking short-term projects with high returns.

Fix & Hold Loans

For long-term rental properties, fix-and-hold loans offer fast access to funding. These loans help you acquire and improve properties for long-term gains.

Turnkey Rental Loans

Ideal for purchasing turnkey rental properties, these loans enable investors to acquire properties with minimal refurbishment and start generating rental income quickly.

Long-Term Hard Money Loan Solutions

Long-Term Loans

Long-term loans are designed to help real estate investors acquire or refinance investment properties. These loans offer extended terms and streamlined approvals.

Debt Service Coverage Ratio (DSCR) Loans

DSCR loans are ideal for investors looking to expand their portfolios. These loans focus on property cash flow rather than personal income, providing flexibility and ease of approval.

Turnkey Property Loans

Turnkey property loans provide funding for properties that require minimal refurbishment, allowing investors to start generating rental income quickly.

How to Get a Hard Money Loan

The process for securing a hard money loan with Federal Hill Mortgage is straightforward.

  • Share Your Requirements

    Fill out our online form in just 5 minutes to help us assist you better.

  • Connect with a Loan Partner

    You’ll be connected with an experienced Federal Hill Mortgage Loan Partner ready to help you determine the right product for you.

  • Complete the Process

    Your FHM loan partner will handle the submission of your home equity application, ensuring you can access your funds swiftly.

Common questions about Hard Money Loans

  • A hard money loan is a type of private money loan, often used for real estate investments. It’s a short-term loan secured by real estate, known for offering quick access to funding and flexible terms.

  • Approval times for hard money loans vary. At Federal Hill Mortgage, we aim to make decisions within 24 hours, and you could receive funding in as little as 48 hours.

  • Hard money loans are flexible and can finance a variety of real estate investments, including fix-and-flip properties, rental properties, and turnkey investments.

  • The main benefits of hard money loans include quick approval times, flexible terms, and the ability to finance projects that may not qualify for traditional loans. They are ideal for investors needing fast and reliable funding.

  • Qualifying for a hard money loan is often based on the value of the property and the project’s profitability potential, rather than the borrower’s credit score. Providing detailed property plans and financials is usually required.