Hard Money Lenders
Hard money loans are often secured by real estate and evaluated with attention to the property and repayment plan. Lenders differ in their credit requirements, collateral limits, experience requirements, and closing process. Confirm that the proposed loan fits your property, location, budget, and exit strategy.
Browse lender profiles for service areas, reported loan sizes, and any available reviews. A Verified badge appears only on profiles marked as verified, and a rating appears only when reviews exist. Profile details can help you build a shortlist, but they do not replace direct diligence.
Ask each lender for a written offer showing interest, origination charges, other fees, required cash, maturity, extension terms, and conditions to fund. Confirm who supplies the capital and how long title, valuation, insurance, and underwriting are expected to take.
Before sending funds or signing, verify the business identity and any licensing applicable to the transaction. Compare final documents with the written offer and ask about every material change.
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Frequently asked questions
What is a hard money lender?
A hard money lender offers real estate secured financing that commonly emphasizes the property and repayment plan. Underwriting, documentation, and closing time vary by lender and deal.
What do hard money loans typically cost?
Rates, points, fees, and terms change with the market and the transaction. Compare current written offers for the same property and loan request, including extension and exit costs.
How do I verify a hard money lender is legitimate?
Confirm the legal entity, applicable licensing, source of funds, and recent borrower references. A LendLedger Verified badge identifies profiles marked as verified; review the available information and check important details independently.
Do hard money lenders work with first-time investors?
Some lenders consider first-time investors and others require prior projects. Ask directly about experience, cash reserves, contractor requirements, and how those factors affect the offer.
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