Hard Money
Hard Money
Unlock rapid financing for your real estate ventures with CMRE's Hard Money Loans. Designed for speed and flexibility, our hard money solutions provide access to capital when traditional loans fall short, empowering you to seize time-sensitive opportunities. Starting at 9.875%, our hard money loans offer a bridge to your success.
Program Benefits
Fast Funding: Secure capital quickly, often within days, to capitalize on immediate opportunities.
Flexible Qualification: Rely less on traditional credit scores and more on the asset's potential.
Short-Term Solutions: Ideal for fix-and-flip projects, bridge loans, and other short-term financing needs.
Investment Property Focus: Perfect for real estate investors looking to purchase, renovate, or refinance properties.
Higher Loan-to-Value Ratios: Access up to 70% LTV, maximizing your investment potential.
Starting at 9.875%: Competitive rates to help you achieve your investment goals efficiently.
Program Highlights
Max LTV
70%
Min Credit Score
600
Max DTI
50%
Loan Amount Range
$50K - $5M
Amortization Options
Eligible Properties
- Single Family
- Multi Family
- Condo
- Townhouse
- Commercial
Program Requirements
Income Documentation
- •Proof of funds to cover closing costs and initial project expenses.
- •Demonstrated ability to manage the project, if applicable (e.g., for fix-and-flips).
- •Stable income or resources to support the loan, even if the property is not immediately generating revenue.
Asset Verification
- •Clear title to the property being financed.
- •Appraisal of the property to determine its current market value and after-repair value (ARV), if applicable.
- •Other assets may be considered to strengthen the application.
Insurance & Title
- •Hazard insurance policy covering the full replacement value of the property.
- •Liability insurance to protect against potential claims.
- •Builder's risk insurance may be required for renovation projects.
Property Requirements
- •Minimum FICO score of 600.
- •Review of credit history to assess risk and past financial behavior.
- •Emphasis on recent credit history and any prior real estate investment experience.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
Interest rates on hard money loans are typically higher than traditional mortgages, reflecting the increased risk and short-term nature of the loan. Rates can vary depending on the lender, the borrower's experience, and the property's value, but start at 9.875% with CMRE.
One of the primary benefits of hard money loans is their speed. CMRE can often fund a hard money loan within days of application, allowing you to quickly seize opportunities.
Hard money loans can be used to finance a wide range of properties, including single-family homes, multi-family units, commercial buildings, and land. The key is that the property has potential value and can be used as collateral for the loan.
CMRE offers hard money loans with a maximum LTV of 70%, allowing you to leverage your investment and maximize your returns.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
