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If you're searching for a lender who approves hard money real estate investment loans in less than 24 hours, look no further than Tower Fund Capital. Quick approval times and short closings are two hallmarks of our commitment to borrowers who turn to us for hard money lending solutions. Check our credentials or apply for a loan on our site.

Hard money loans are loans offered by private financial institutions or Non-traditional lenders interested in acquiring investment properties. The private lender will provide a mortgage that traditional financial institutions are not willing to finance.

The borrower is using the property as collateral to secure the loan. The lender will count on the borrower to repay the loan offered, in case of default the lender will take possession of the asset.


This article will explain how hard money loans work and how easy it is to qualify for one.

Get a hard money loan fast right now with one of the best private lenders in the United States.

How hard money loans work?

These loans are offered for a short period of time, usually the loans are for 12 months, but they can also be for 2 or even 5 years. Some lenders will allow extensions of 6 to 12 months for an additional fee. These loans usually have interest only payments, which makes your monthly payment lower.

This is how hard money loan interest rates are determined. The lender will measure the risk factor by reviewing the property and its documentation in a process called underwriting. Things like the location of the property, down payment, condition, experience of the investor are some of the factors. Common interest rates range from 6% to 14%, the longer the term, the higher the rate.

Credit score is important, but when it comes to cash in real estate, the asset is the most important factor. Don't let a low credit score stop you from applying, lenders may ask for a higher deposit, but a low credit score is very unlikely to deny an applicant.

Advantages of Using Hard Money Loans for Convenient Investment

Timing is key when you want to get a hard money loan fast, buyers want closings in the shortest amount of time possible. The last thing a motivated seller wants to hear is that the closing will take 4 to 6 weeks. Imagine if you present an offer to the seller with an estimated closing in 2 weeks.

That's one of the main benefits of hard money lending, closings can be done in as little as 2 weeks as long as you have submitted all the required documentation to your lender. On the other hand, traditional banks will take longer, and yes, you may get a lower rate, but you may end up losing the deal.

When are hard money loans for real estate investments a good idea?

If you plan to hold the property for a short period of time and don't want to go through the hassle of applying for a traditional loan, it will be one of the main reasons. Also, many investors grow their portfolio by doing a cash-out refinance and, yes, hard money can also be used as a refinancing tool as mentioned above.

Here are some of the properties that can be financed with hard money:

  • Homes / Town Homes

  • Apartments / Condos

  • Warehouses

  • Vacant land

  • Office buildings

  • Churches

Get a hard money loan with one of the top mortgage lenders in the United States

Tower Fund Capital is a private investor specializing in real estate hard money lending.

However, it is more than just a lender. With Tower Fund Capital you can be advised by a professional team of people with experience in the world of finance and real estate to get your loan safely and securely.

Visit the agency's website and apply today for a meeting with the team.

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