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Are you fed up with hard money loan requirements that are impossible to meet? The only qualifier to your hard money loan from Tower Fund Capital is the value of the asset you're buying. Read about our custom-tailored lending program online or call 646-564-3499 to speak with a lender over the phone.

Tower Fund Capital is operated by experienced and knowledgeable hard money lenders who want to help people succeed. Our money lending process is fast, reliable, and flexible. If you want to know how to qualify for a hard money loan and what requirements or documents you will need to get your loan application approved, here is some helpful information. 

Requirements You Will Need To Fulfill

We are always straightforward in revealing our hard money loan requirement. However, there are several requirements that you will need to provide due to the risks we take when offering a hard money loan for your real estate purchase: These include:

  • You must provide proof of your monthly income through documentation, including tax returns and W2 statements.

  • You will need to maintain a set debt-to-income ratio for the period of the hard money loan, which will affect your ability to apply for other loans until you repay the hard money loan.

  • You will need to reveal current and past financial responsibilities, such as the debt on your credit card and other loans, so that we can assess your financial ability and wellness to meet scheduled payments.

  • You will be responsible for providing a higher down payment for a home loan. For example, we might ask for a down payment of up to 30 percent of the home's purchase price.

  • You should know that the repayment term for a hard money loan is generally shorter than the standard loan. Therefore, you will need a short term strategy for repayment or the chance of refinancing the hard money loan before the end of its term.

What Are The Documents Needed To Provide A Hard Money Loan?

At Tower Fund Capital, our hard money loan requires less paperwork from the borrower than traditional or bank loans. However, there are some documents you should prepare, depending on the terms of your hard money contract. They include:

  • Proof of income 

  • W2s for 2-3 years

  • Tax Returns for 2-3 years

  • Bank statements for 2-3 months 

  • Personal financial statement 

  • Proof of assets and asset values, including titles, deeds, and other documents

  • Extensions and modifications for any outstanding loans

  • Pay stubs or other proof of income

  • Full employment history with positions, phone numbers, and addresses

  • Documentation of debt from student loans, credit cards, personal loans, medical loans, auto loans, or other bills.

  • You'll need to provide proof of rental income, copies of leases, appraisals or BPOs, and documentation of expenses if you have rental property.

  • Life insurance documentation, if applicable

  • Proof of rent payments, if applicable

  • Immigration documentation, if applicable

  • Letters of explanation for any credit problems, if applicable.

Get Started With Tower Fund Capital

Tower Fund Capital l is a trusted and top lender for hard money loans lender. Our loans require lesser documents with flexible terms to best suit your financial requirements. Contact us today at 646-564-3499 to help you secure your hard money loan. We are confident that you will find us to be a trusted partner.

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