The Nations Premier Private Capital Lending Partner

We have been securing fast, customized real estate financing for borrowers/transactions not meeting the stringent requirements of banks and other traditional lending sources for over 35 years. We specialize in providing private capital solutions for homeowners and investors across a wide spectrum of property and transaction types, while avoiding excessive documentation and credit qualifying requirements.

Get Started
What We Offer
Funding in as little as 5 days
A flexible and creative approval process.
When conventional financing is unavailable we will be able to help.
Program Highlights
Equity based loans
No FICO is too low
Foreclosures
Bankruptcies
No Income/Employment verification
Loan Types
Owner Occupied Residential Bridge (Buy before Sell)
Residential Development/Land
Construction
Fix & Flip
Long Term Investor DSCR
Commercial
Multi Family

Tell us your story.

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

Which product are you most interested in?*
Name*
Email*
This field is for validation purposes and should be left unchanged.

How it Works

Gain access to the capital you need to move forward with your project.

Find

Find your investment property and submit property information.

Apply

Narrow down loan options and apply online. [Online upload Available!]

Review

We will quickly review and begin the underwriting process so we can quote loan terms.

Get Funds

Once terms have been excepted we will schedule the closing.

Start Project

Once the loan has been finalized you may begin your project!

Get Started Today

Get Started

Frequently Asked Questions

Hard money loans, unlike traditional bank loans, hinge on the property’s value used as collateral, rather than solely on your financial status. Although these loans often come with higher interest rates, they hold significant appeal for real estate investors. This is because they boast faster closing times, offer flexible terms, and can be repaid swiftly to minimize expenses, thereby facilitating quicker business expansion.

Below are some additional advantages associated with hard money loans:

Swift Access to Capital: Hard money loans provide quick access to capital, enabling investors to seize opportunities promptly.

Flexible Terms: These loans come with a range of repayment schedules and durations, allowing borrowers to tailor the terms to their specific needs.

High Loan-to-Value (LTV) Ratio: Depending on the property’s value and renovation budget, hard money loans can finance up to 90% of the project, providing substantial funding.

Potential for Enhanced Benefits: Building a relationship with the same lender may lead to additional advantages, such as reduced origination fees and interest rates, making it even more attractive for long-term investors.”

Appraisals vary on your financing needs. We do not require appraisals on bridge loans, but we do require them for rental loans.
We provide short term financing, bridge loans, and rental property loans.
Fix & Flip Programs can close in as little as 7 days. Permanent loan programs can take as few as 15 days and up to 45 days. For an accurate timeline based on your specific needs contact us directly.

Still Have Questions?

If you can’t find an answer to your question in the FAQ’s below, you can always contact us and we’ll respond asap.

Texas: TX, SML Mortgage Company License

    • CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
    • THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
Back To Top