What Is a Hard Money Loan?
A hard money loan is a short-term, asset-based loan secured by real estate. These loans are primarily used by real estate investors who need fast funding without the red tape of traditional banks.
According to Investopedia, “A hard money loan is a type of real estate loan that is secured by the value of the property itself, rather than the borrower's creditworthiness.” This makes it an ideal option for investors with limited income documentation or time-sensitive opportunities.
�� When Should You Use a Hard Money Loan?
Hard money is most commonly used for:
Fix-and-flip projects
Bridge loans before permanent financing
Real estate auctions or distressed properties
Cash-out refinances on investment properties
For example, BiggerPockets notes that these loans often close in 7–10 days, making them perfect for competitive markets.
�� Key Features of Our Hard Money Loans
| Feature | Details |
|---|---|
| Loan Amount | $100K – $10M+ |
| Term Length | 12–24 months |
| LTV | Up to 85% of purchase, 100% rehab |
| Credit Score | Not a primary factor |
| Closing Time | As fast as 5 days |
��️ Who We Fund
At Federal National Funding Capital Group, we specialize in helping:
Real estate investors
House flippers
Buy-and-hold landlords
LLCs and corporations
Out-of-state or foreign investors
�� How to Apply
Ready to fund your next deal? Fill out our pre-approval form or call us directly at (800) 774-3056. No obligation, no upfront fees.
�� Pro Tip:
Want to compare hard money vs. conventional loans? This Investopedia guide breaks it down clearly.