Hard Money


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A Complete guide to real estate hard money loans and  How to find hard money lenders in any state. updated with new investors database daily.




What is Hard money?

General term for loans funded by private individuals as investors, and  secured only by equity in real estate.  Hard money loans or "hard loans" are arranged by hard  money brokers sometimes called "hard lenders". 

What is hard money LTV ?

The ratio between the loan amount and the property conservative market value. Since hard money are secured only by the equity the hard money LTV is much lower than banks LTV.  The maximum hard money LTV is between 30%- 80%  but mostly between 50%-65%. The factors that affecting the LTV are location, market condition property type and other consideration . see more on  hard ltv

What are hard money rates?

Hard Rates are higher than conventional loans are depend on the LTV, market location and very little on credit. See complete table of hard money rates  and terms.

What are hard money terms?

Terms offer by private investors are normally for a short period, bridge loans 1 - 3 years. Some hard money loans can be for only 6 month and in some cases 5-30 years  See complete guide of hard money terms.  

 Lending Universe is setting new standards in the world of hard money commercial and residential loans, mortgage brokers and the loan calculation process. For too long, people have been seeking the right private mortgage, private business loan, commercial loan or investor funding any construction loan without having access to a quick, secure and reliable source.

With our service, it is easier than ever to harness the benefits of multiple-lender bidding.  At LendingUniverse.com, you can have private investors compete for your business, and secure a real estate loan without proof of income or verification of finances.

Each loan calculation at LendingUniverse.com delivers results from both private investors and wholesale lenders, ensuring our clients optimum financial options. With Lending Universe, stressful and confusing search processes are completely eliminated.

For all your residential and commercial private loan requirements, simply complete our short form and we will deliver you fast, accurate results. Lending Universe is your first step to securing the residential or fast commercial hard money loan.

Click here to request a hard money loan !



Find private real estate investors lending on equity only and hard money Brokers in all states and get hard money lenders' list for real estate located in the all states :

New York New York
Los Angeles California
Chicago Illinois
Houston Texas
Phoenix Arizona
Philadelphia  Pennsylvania
San Antonio Texas
Dallas Texas
San Diego California
San Jose California
Detroit Michigan
San Francisco California
Jacksonville Florida
Indianapolis  Indiana
Austin Texas
Columbus Ohio
Fort Worth Texas
Charlotte North Carolina
Memphis Tennessee
Baltimore  Maryland
Boston  Massachusetts
El Paso Texas
Milwaukee Wisconsin
Denver Colorado
Seattle Washington
Nashville  Tennessee
Washington District of Columbia
Las Vegas Nevada
Portland Oregon
Louisville  Kentucky
Oklahoma City Oklahoma
Tucson Arizona
Atlanta Georgia
Albuquerque New Mexico
Kansas City  Missouri
Fresno California
Sacramento California
Long Beach California
Mesa Arizona
Omaha Nebraska
Cleveland Ohio
Virginia Beach  Virginia
Miami Florida
Oakland California
Raleigh North Carolina
Tulsa Oklahoma
Minneapolis Minnesota
Colorado Springs Colorado
Honolulu  Hawaii
Arlington Texas
Wichita Kansas
St. Louis  Missouri
Tampa Florida
Santa Ana California
Anaheim California
Cincinnati Ohio
Bakersfield California
Aurora Colorado
New Orleans Louisiana
Pittsburgh Pennsylvania
Riverside California
Toledo Ohio
Stockton California
Corpus Christi Texas
Lexington Kentucky
St. Paul Minnesota
Anchorage Alaska
Newark New Jersey
Buffalo New York
Plano Texas
Henderson Nevada
Lincoln Nebraska
Fort Wayne Indiana
Glendale Arizona
Greensboro North Carolina
Chandler Arizona
St. Petersburg Florida
Jersey City New Jersey
Scottsdale Arizona
Norfolk  Virginia
Madison Wisconsin
Orlando Florida
Birmingham Alabama
Baton Rouge Louisiana
Durham North Carolina
Laredo Texas
Lubbock Texas
Chesapeake  Virginia
Chula Vista California
Garland Texas
Winston-Salem North Carolina
North Las Vegas Nevada
Reno Nevada
Gilbert Arizona
Hialeah Florida
Arlington  Virginia
Akron Ohio
Irvine California
Rochester New York
Boise Idaho
Modesto California
Fremont California
Montgomery Alabama
Spokane Washington
Richmond  Virginia
Yonkers New York
Irving Texas
Shreveport Louisiana
San Bernardino California
Tacoma Washington
Glendale California
Des Moines Iowa
Augusta  Georgia
Grand Rapids Michigan
Huntington Beach California
Mobile Alabama
Moreno Valley California
Little Rock Arkansas
Amarillo Texas
Columbus Georgia
Oxnard California
Fontana California
Knoxville Tennessee
Fort Lauderdale Florida
Worcester  Massachusetts
Salt Lake City Utah
Newport News  Virginia
Huntsville Alabama
Tempe Arizona
Brownsville Texas
Fayetteville North Carolina
Jackson Mississippi
Tallahassee Florida
Aurora Illinois
Ontario California
Providence Rhode Island
Overland Park Kansas
Rancho Cucamonga California
Chattanooga Tennessee
Oceanside California
Santa Clarita California
Garden Grove California
Vancouver Washington
Grand Prairie Texas
Peoria Arizona
Rockford Illinois
Cape Coral Florida
Springfield Missouri
Santa Rosa California
Sioux Falls South Dakota
Port St. Lucie Florida
Dayton Ohio
Salem Oregon
Pomona California
Springfield Massachusetts
Eugene Oregon
Corona California
Pasadena Texas
Joliet Illinois
Pembroke Pines Florida
Paterson New Jersey
Hampton  Virginia
Lancaster California
Alexandria  Virginia
Salinas California
Palmdale California
Naperville Illinois
Pasadena California
Kansas City Kansas
Hayward California
Hollywood Florida
Lakewood Colorado
Torrance California
Syracuse New York
Escondido California
Fort Collins Colorado
Bridgeport Connecticut
Orange California
Warren Michigan
Elk Grove California
Savannah Georgia
Mesquite Texas
Sunnyvale California
Fullerton California
McAllen Texas
Cary North Carolina
Cedar Rapids Iowa
Sterling Heights Michigan
Columbia South Carolina
Coral Springs Florida
Carrollton Texas
Elizabeth New Jersey
Hartford Connecticut
Waco Texas
Bellevue Washington
New Haven Connecticut
West Valley City Utah
Topeka Kansas
Thousand Oaks California
El Monte California
Independence  Missouri
McKinney Texas
Concord California
Visalia California
Simi Valley California
Olathe Kansas
Clarksville Tennessee
Denton Texas
Stamford Connecticut
Provo Utah
Springfield Illinois
Killeen Texas
Abilene Texas
Evansville Indiana
Gainesville Florida
Vallejo California
Ann Arbor Michigan
Peoria Illinois
Lansing Michigan
Lafayette Louisiana
Thornton Colorado
Athens  Georgia
Flint Michigan
Inglewood California
Roseville California
Charleston South Carolina
Beaumont Texas
Victorville California
Santa Clara California
Costa Mesa California
Miami Gardens Florida
Manchester New Hampshire
Miramar Florida
Downey California
Arvada Colorado
Allentown Pennsylvania
Westminster Colorado
Waterbury Connecticut
Norman Oklahoma
Midland Texas
Elgin Illinois
West Covina California
Clearwater Florida
Cambridge Massachusetts
Pueblo Colorado
West Jordan Utah
Round Rock Texas
Billings Montana
Erie Pennsylvania
South Bend Indiana
San Buenaventura (Ventura) California
Fairfield California
Lowell Massachusetts
Norwalk California
Burbank California
Richmond California
Pompano Beach Florida
High Point North Carolina
Murfreesboro Tennessee
Lewisville Texas
Richardson Texas
Daly City California
Berkeley California
Gresham Oregon
Wichita Falls Texas
Green Bay Wisconsin
Davenport Iowa
Palm Bay Florida
Columbia Missouri
Portsmouth  Virginia
Rochester Minnesota
Antioch California
Wilmington North Carolina




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