Our Loan Programs
- 100% of all Real Estate accepted
- No upfront costs or contracts
- Asset-based lending criteria
- Loan amounts from $30k
Explore Our Loan Programs - HM Capital
HM Capital can help you achieve your real estate dreams – we provide a variety of programs that can fit any investment strategy. If you are an experienced real estate professional or a first timer, you can benefit from our experience and excellent service.
- Rates from 8%
- Loan amounts from $30,000
- Up to 80% LTV for qualified properties
- No upfront contracts
- Qualify in 24 hours
Funding available for fix and flips – purchase price plus renovation costs
Types of Real Estate Accepted
- Mobile Home Parks – few understand this space better than we do – mobile home parks require special knowledge and offer tremendous investment opportunities. We can help you get there.
- Other types of special hard money loans we can help with:
- Cannabis Tenants
- Billboard hard money loans
- Vacation rentals
- Shared work space
- Hospitality and motels
- Vacant Land
Streamlined Process
No arbitrary requirements. No minimum FICO/credit score.
Flexible Unerwriting
Vacant property? Cannabis tenant? Airbnb income? Our underwriters get it
Advantages of Hard Money Loans
Flexibility – hard money lenders can work with any type of real estate, and operate completely differently than a bank. With private lenders, you are dealing with business people first, who you can directly talk to – unlike a nameless bank committee who underwrites and reject loans. Hard money loans are essentially peer-to-peer lending, allowing for more creativity and more capital solutions for investors. Hard money lenders stepped in to fund Cannabis properties in California when no one was willing – because they understood the economic opportunity behind it.
Get Approved – the most important part of a loan is closing – you don’t need false promises, credit letters, LOIs, and maybe’s. If you lined up a property, you need to know that the capital to purchase and renovate is there for you when escrow closes. Hard money lenders have a faster turn-around and get you the money you need in a matter of days
Speed – in asset based lending, the focus is on the property, not the burrower. This means less paperwork to process and less hoops to jumps through – faster approvals. Traditional mortgages can take months to close, hard money lenders can do it in days.
Fast Approval
Traditional loans can take several months to close. We can do it in less than a week
Terms that fit You
Flexible loan terms, no prepayment, asset based lending criteria
Up to 80% LTV
Funding available for fix and flips – purchase price plus renovation costs
Schedule an Appointment
Get in contact with our hard money specialists