Private Money Lending

Private Money Lending — Fast, Straightforward Funding for Real Estate Investors

• Home Again has wholesale agreements in place with one of the nation’s largest private money lenders.
• Common-sense decisions + straightforward terms so you stay in control of your deal.
• Financing built for investors who need speed for fix-and-flip, buy-and-hold, bridge loans, extended rehabs, and new construction.
• Asset-based lending: we focus on the property’s potential—not endless bank paperwork.
• Fast approvals, fast closings, and clear terms (no “gotcha” fees).

Fix-and-Flip / Bridge Loans — Rates + Terms (Short-Term)

• Rates as low as 7.75%*
• 1.5% – 3.00% origination fee
• Loan amounts: $100,000 to $2,000,000 (some programs up to $3,000,000)
• Leverage: up to 90% of purchase price (and up to 100% on select bridge programs)
• ARV: up to 75% ARV (and up to 80% ARV on select bridge programs)
• Terms: 12, 18, or 24 months
• Payments: interest-only options available
• Rehab funding: up to 100% of rehab cost (program-dependent)
• No application fee
• No appraisal (program-dependent)
• No income verification (program-dependent)

DSCR Rental Loans — Rates + Terms (Long-Term Buy-and-Hold)

• Rates as low as 6.25%†
• 1.00% – 2.00% origination fee
• Up to 80% LTV
• No prepayment penalty after year 3
• Options: 30-year fixed, 5/1 ARM, 7/1 ARM
• Interest-only options available
• Cash-out refinance options available (ask for details)

New Construction Loans — Build-to-Sell or Build-to-Rent

• Designed to unlock the potential of new builds with infill development financing
• Developer-friendly terms and a streamlined application
• No permits required for funding before closing* (program-specific)
• Fast draws process + in-house servicing for smoother execution
• Fast funding to help you compete and keep projects moving
• Competitive terms with low origination fees
• No hidden rate adjustments and no appraisal required for closing (program-specific)
• Dedicated support from financing experts through the entire project

Bridge Loans — Built for Speed (When Timing Matters)

• Built for investors who need to move fast, outbid competition, and maximize leverage
• High leverage up to 100% LTC / 80% ARV (program-dependent)
• Close in as few as 7 business days to compete with cash buyers
• Skip the bank grind: no pay stubs, no W-2s, and no third-party appraisals required (program-dependent)
• Personalized pricing that prioritizes the property’s potential

General Loan Guidelines (Program Dependent)

• 65%–90% LTV (varies by program and scenario)
• Purchase, refinance, cash-out, and rehab
• $100,000 to $10,000,000 (program-specific)
• Non-bank / direct lender with in-house underwriting
• Rates based on experience and FICO — no experience needed
• No hidden fees
• Closings in 7 to 25 days (typical range, deal-dependent)
• Interest-only payments
• 12, 18, or 24-month terms
• Non-owner occupied only
• No minimum FICO requirement (program-dependent)
• Property types: SFR, 1–4 units, 5+ units, condos
• Stated income / bank statements only (program-dependent)
• Fast turn times on draw requests
• Lending to LLCs, trusts, and entities

Frequently Asked Questions (FAQ)

• What is a Private Money Loan?
  A private money loan is an asset-based loan where funds are secured by the value of real estate.
• How are Private Money Lenders different from banks?
  Private lenders focus more on the property value and deal strength and less on traditional underwriting like W-2 income and strict FICO requirements.
• Who uses Private Money?
  Real estate investors use private money for fix-and-flip, buy-and-hold, bridge financing, cash-out refinance, and situations where traditional financing is too slow or not available.
• Are Private Money Loans expensive?
  They can be higher cost than bank loans, but they’re typically used for short periods (12–48 months) and for speed, flexibility, and leverage. Most are interest-only with a balloon payment at the end.
• What makes a reputable Private Money Lender?
  Common-sense lending, transparent process, straightforward terms, consistent communication, local control, and the ability to fund on your schedule. Home Again treats your first private money loan as the start of a long-term investing relationship. 

Ready to Fund Your Next Deal?