Hard Money Loans
Opportunities Don't Wait. Neither Should Your Financing.
Secure your next real estate deal with fast, asset-based hard money loans designed for investors who need to act quickly.
How a Hard Money Loan Works
Asset-Based Lending
The loan is secured by the value of the property itself, not your personal credit or income history.
Close in Days
With streamlined underwriting, you can get funded in a matter of days, not weeks or months.
For Savvy Investors
Ideal for fix and flips, auctions, and other time-sensitive investment opportunities.
Loan Parameters At-a-Glance
Hard Money Mortgage Loan Highlights
- Loan amount: Hard Money Mortgage Loan Programs can offer loan amounts up to $10 million or more, depending on the lender and loan type.
- Loan terms: These are short-term loans, typically ranging from 6 to 36 months, allowing borrowers to complete their projects quickly.
- Quick funding: Hard money loans can provide quick funding, often within a few days of application, making them ideal for borrowers who need to close a deal quickly.
- Asset-based lending: The loan is secured by the value of the property, rather than the borrower's personal credit or income.
- High LTV: Hard money loans can offer high Loan-To-Value (LTV) ratios, providing the financing needed to complete projects.
- Interest-only payments: Many hard money loans include interest-only payments, where the borrower only pays the interest on the loan for the duration of the loan term.
- Higher interest rates: These loans may have higher interest rates compared to traditional loans, due to the higher risk associated with this type of lending.
Get an Instant Mortgage Rate Quote from The Mortgage Calculator
Get Your Quick Quote
Real-time mortgage pricing across conventional, FHA/VA, DSCR, bank statement, non-QM and more. Compare options and move to a full application when ready.
Programs We Price
Conventional, FHA, VA, USDA, jumbo, investor DSCR, bank statement, asset depletion, non-QM, HELOCs and more.
How Quotes Work
We use your scenario (location, credit band, property/occupancy, LTV) to match eligible programs and display live-like rates.
Next Steps
Lock a rate or continue to the full 1003. Your MLO team helps optimize terms and documentation for a smooth closing.
Loan Programs Available: FHA Mortgage Calculator, Conventional Mortgage Calculator, VA Mortgage Calculator, USDA Mortgage Calculator, Non-QM Mortgage Calculator, DSCR Mortgage Calculator, Fix & Flip Mortgage Calculator, Construction Mortgage Calculator, JUMBO Mortgage Calculator
Frequently Asked Questions for Hard Money Loans
About The Mortgage Calculator
The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) specializing in using technology to provide access to Conventional, FHA, VA, and USDA Programs, as well as thousands of Non-QM mortgage loan variations.
Our team of over 450 licensed Loan Originators can assist with Bank Statement Mortgages, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages, and thousands more!