What Are Hard Money Loans?

Hard money loans, also called bridge loans, are specialized lending instruments designed to assist real estate developers and house flippers who want to develop or renovate a property quickly and then sell it for a profit. These short-term loans are not generally available from traditional lending institutions, such as banks.  Hard money real estate investment loans are not based on a borrower’s creditworthiness; hard money lenders base their loans on the value of the property itself. This asset-based lending model uses an estimate of “after-repair value” to determine loan amounts and terms. Our team of real estate experts knows all the ins and outs of real estate values in your area. We know that low interest rates and less money down leaves you with more money to fix and flip properties, minimizing your costs and maximizing your profits. Our speed and efficiency make us the perfect partner for your real estate investments. 

​

If you’re looking for funding for real estate investments - fix and flip, rental, or even wrapable loans, Express Mortgage Lending, Inc is your first and final stop. Our loan officers and experts work around the clock to deliver you the best offers and rates that everyone can afford. Whether it's your first buy and hold loan or you’re a long-time borrower making a living flipping house after house, our team of dedicated experts is eager to get your call.