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What is a hard money loan?

The term hard money loan as it is referred to in the real estate and or lending business has a number of meanings stemming from its root "hard money" meaning cash money. A hard money loan begins with a general meaning related to loan for hard cash. However, the meaning has developed through years to include non conventional real estate loans (privately funded loans, second trust deeds and equity loans) such as those loans one might get from a hard money loan broker who specializes in construction loans.

Usually a hard money loan construction loan is a construction loan where the lender can approve the real estate loan request based on real estate equity primarily, side stepping much of the usual time consuming aggravation, and verification that for example a bank might require to lend that the same amount of money. A hard money construction loan is the fastest, easiest way to obtain construction financing.

Hard money construction loans of today are those loans usually funded at a higher cost to the borrower in exchange for the ease of obtaining a fast cash type no-red-tape loan. This is why even if you have bad credit, you can get a fast construction loan.

Hard Money Loan Example:

1.) Mr. Smith (a doctor) goes to his bank and borrows $50K at 9% with no loan fees because he has flawless credit and can afford to wait for months to get the check.
2.) Mr. Jones is (as we used to say kiddingly) on welfare in a coma and sells Amway for a living but has sufficient real estate equity and obtains a $50K hard money loan against equity in his house for 9.5% interest plus a 4 point loan fee and gets his check in 10 days.

Loans come in all types shapes and sizes, and Mr. Smith wouldn't hear of paying 9.5% with his flawless credit and a hard money credit line at the bank, while Mr. Jones must pay 9.5% and 4.5 points to obtain his hard money loan because he is in a hurry and has no credit.

We've extended this to no red tape hard money construction loans (with 100 private investors) eagerly waiting to fund no-red-tape construction loans that can close escrow in days (not months) even if the borrower is unemployed, divorced, transferred, retiring, or has no credit. Even in these cases, a construction loan is no problem!

Even a borrower with flawless credit may on occasion be willing to pay a little more to obtain a hard money construction loan if he is in a hurry and can't afford to wait for weeks or months for a traditional lender to gather up and pour over verifications of everything has, does, and is, in order to close escrow. A hard money construction loan offers the advantage of ease and speed to obtain a construction loan where a bank will not approve the same construction loan.

Hard money construction loans are fast and easy!

If a hard money northern California construction loan is what you are looking for, you have come to the right place. We offer no hassle, fast hard money construction loans for bad credit, real estate development projects or new home building that you want to start in a hurry. A hard money construction loan with EZ Construction Loan is the easiest construction loan in northern California!

Instant Online Construction Loan Tentative Pre-Approval

If it sounds like a hard money construction loan is right for you and you are looking for a northern California construction loan, why not pre-approve yourself tentatively "online" right now for a no qualifying construction loan of up to $750,000.00!

Hard money construction loan questions?

If you have any questions about our hard money construction loans please call us! We are construction loan experts and are happy to help you decide if a hard money construction loan is for you!

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