Hard Money Frequently Asked Questions: What is Hard Money?

A Complete Guide to Hard Money Lending

A hard money loan is a type of financing secured by a “hard asset,” typically commercial or residential real estate. Often referred to as a bridge loan, private loan, or private capital loan, hard money loans serve as an alternative to traditional bank loans, offering fast, flexible funding for real estate investments.

Unlike conventional loans, where a borrower’s creditworthiness plays a significant role, hard money lenders focus primarily on the value of the property being used as collateral. The property itself acts as the primary security for the loan, making it an attractive option for real estate investors or individuals seeking quick funding solutions.

Hard money loans are typically structured as first mortgages on investment properties and are ideal for situations like property flips, development projects, or other time-sensitive ventures where traditional lending processes may take too long.

If you’re exploring financing options for real estate investment, understanding the ins and outs of hard money loans can help you determine if this fast, asset-backed lending solution is right for you.

Denver, Colorado Office

1153 Bergen Parkway Ste I #227
Evergreen, Colorado 80439

Telephone: (303) 459-6061
Fax: (404) 634-0319
Email: info@fairviewlending.com