Loan Programs
Private Money / Hard Money Loans
Short-term, asset-based financing for time-sensitive opportunities, bridge scenarios, fix-and-flip projects, and borrowers who need to close on a compressed timeline.
Program Features
Asset-based underwriting — focus on the property and equity
Funding timelines often measured in days, not weeks
Bridge loans for purchase before sale of existing property
Fix-and-flip programs with rehab-cost financing built in
Loans for non-warrantable condos, unique properties, and complex titles
Available for primary, second home, and investment scenarios
Loan-to-value typically up to 70% – 75% of as-is or ARV
Interest-only payment structures during the loan term
Frequently Asked Questions
What is a private / hard money loan?
Private and hard money loans are short-term real estate loans funded by private lenders, funds, or individual investors rather than traditional banks. They underwrite primarily to the property's value and equity position rather than relying on the borrower's W-2 income, making them useful for unique scenarios or time-sensitive deals.
When does a hard money loan make sense?
Common scenarios include: closing on an investment property faster than a conventional loan allows, financing a fix-and-flip rehab, bridging a gap between a new purchase and the sale of an existing property, financing a unique property type that doesn't qualify for conventional financing, or working with credit or income situations that need an asset-based path.
How fast can a private money loan close?
Many private money loans can close in as few as 7 – 14 days, with some bridge or fix-and-flip products closing in under a week when the file is clean. Speed is one of the core advantages of this product family.
What about rates and costs?
Private and hard money loans typically carry higher rates and fees than conventional financing — they're designed for short holding periods (often 6 – 24 months) where speed, flexibility, or asset-based underwriting outweighs cost. Your C2 loan officer can run the numbers so you can compare against alternative structures.
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