Hard Money Loans
Private Money Loans For Real Estate Investors
Build your investment property portfolio with a private money partner that understands your need for speed, flexibility, and ease.
Welcome to Harmony Home Loans, LLC
Welcome to Harmony Hard Money
Founded in 2020, the key to our success has been a combination of consistently offering outstanding customer service, providing accommodating education to our clients, and having an enthusiastic attitude throughout our process. We take pride in treating our clients with honesty and integrity.
We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution. We are proud to have helped finance thousands of loans, helping Americans find, keep and afford their dream homes.
Options and Solutions
Gain access to the capital you need to move forward with your project profitably.
What We Offer
- Fast and Simple Funding
- 1st lien Position Loan for Non Owner Occupied Properties
- 2nd Lien Position Business Purpose Loans on All Property Types
- Loan Amounts from $75,000 to $10 million
- Refinance up to 85% market value
- 12-36 Month Loan Terms
Program Highlights
- Up to 90% LTC
- No Min FICO requirements
- No Rehab Inspections
- No Pre Payment Penalty
- 100% of the construction cost
Loan Types
- Fix & Flip Loans
- Bridge Loans
- Ground Up Construction Loans
- DSCR rental Loans
easy points for you to understand
Purchase
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!
What Our Clients Say
Real investors. Real success. See why our clients trust Harmony Home Loans!
Frequently Asked Questions
Real investors. Real success.
What is hard money and how does it help investors?
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.”
Do you require appraisals?
Appraisals vary on your financing needs. We do not require appraisals on bridge loans, but we do require them for rental loans.
What type of loans do you offer?
We provide short term financing, bridge loans, and rental property loans.
How Quickly can you close?
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 above, you can always contact us and we’ll respond asap.
