Direct Hard Money Lenders in New Jersey, New York and Pennsylvania lending to Real Estate Investors Nationwide

The Leading Lender for Real Estate Investors

New Jersey, New York and Pennsylvania Hard Money Lenders lending Nationwide

Investment Property Loans – Fix and Flip Hard Money Lenders

Hard Money Lenders Funding in as little as a week!

Submitting your Investment property Loan or fix and flip hard money loan application is quick and easy.

American Association of private lenders member

As New York, Pennsylvania and New Jersey Hard Money Lenders, we provide investment property loans nationwide.

As New York, Pennsylvania, and New Jersey Hard Money Lenders, HardMoneyMan.com LLC extends its services nationwide. Since 1998, we have been providing hard money loans to real estate investors across the country. As we celebrate 27 years of facilitating investment property loans in 2025, our track record speaks for itself.

Over these two and a half decades, we’ve closed and funded over 27,000 investment property loans, totaling an impressive $3.5 billion in transactions. Our reputation rests on industry expertise and swift closings. When you need speed, transparency, and a lender you can rely on, look no further.

HardMoneyMan.com LLC holds the distinction of being the #1 rated nationwide hard money lender on Hard Money Advisor. Additionally, we are proud members of the American Association of Private Lenders. Our commitment to excellence ensures that your investment journey is supported by a trusted partner.

Remember, successful real estate investors understand that a competent and reliable lender is pivotal to their achievements. Rest assured, with Hardmoneyman.com, you won’t lose sleep wondering if the funds will arrive at closing—our satisfied clients vouch for us!

Ken has been a hard money lender for over 25 years. He has funded over 25k deals for investors in that time. Ken specializes in fix and flips, ground up spec construction and 30 year DSCR loans.

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Why HardMoneyMan.com LLC is the Best Hard Money Lenders for Beginners

HardMoneyMan.com LLC stands out as an excellent choice for beginner real estate investors seeking hard money loans. Here’s why:

Simplicity and Speed:
- As a beginner, you want a straightforward process. HardMoneyMan.com LLC offers quick approvals, often within 24 hours.
- Their streamlined approach ensures you can focus on your investment strategy without unnecessary delays.
Transparent Terms:
- New investors often worry about hidden fees or complex terms. With HardMoneyMan.com LLC, you get no BS.
- They provide clear loan terms, so you know exactly what to expect.
Proven Track Record:
- With 26 years of experience, they’ve funded over 26,000 investment property loans totaling $3.5 billion.
- Their expertise speaks volumes, making them a reliable partner for beginners.
Industry Recognition:
- #1 rated nationwide hard money lender on Hard Money Advisor.
- Proud members of the American Association of Private Lenders.
Client Testimonials:
- Previous clients vouch for their reliability and professionalism.
- When dealing with Hardmoneyman.com, you can trust that the funds will show up at closing.

In the world of real estate investing, having a dependable lender is crucial. HardMoneyMan.com LLC offers simplicity, speed, and a track record that sets beginners on the right path.

The market leading lender for investment property loans and fix and flip lenders based in NJ

Hard Money Loan FAQ’s from HardMoneyMan.com

Is your company a direct lender?

We are a direct lender. What this means is we do not have to go out and search for money to lend on your deal, we are the decision maker and checkwriter.

What credit score is needed for a hard money loan?

A minimum FICO score of 660 is required for rental loans. For fix and flip rehab loans, we will go to 620, and for ground-up construction and mixed-use properties, we will go to 680.

Can you tell me where you are located?

Our office is located on the Jersey shore. When we first opened we were located on Long Island in New York, however we still run our underwriting and processing out of our New York City location.

How do hard money lenders work?

Real estate investors use hard money lenders to purchase fix-and-flip or buy-and-hold properties. In most cases, these loans are secured by the property instead of the borrower's credit or financials, and are based on a percentage of its value. While hard money lenders provide quick access to capital, their interest rates tend to be higher than those of traditional lenders. In addition, they require more paperwork and have stricter approval guidelines. Aside from closing costs, borrowers must demonstrate that they have the funds to make monthly payments. Understanding the terms and conditions of a hard money loan is important before applying. Find a lender that offers competitive rates and terms that meet your needs by researching different lenders.

How much do hard money lenders charge?

Hard money lenders price their loans based off several factors and the loan type. On short term 1 year loans (fix and flip, construction, stabilized bridge), rates are determined by the borrowers experience with rates in the 10-12% range.

When it comes to hard money loans, do you charge upfront fees to borrowers?

Never, ever! Our borrowers do not pay us upfront. Direct payment will be made to the appraiser. Brokers are typically the only ones who charge upfront fees. We don’t deserve to get paid if we can’t close your loan.

What types of hard money loans do you offer?

Our hard money loans are available for non-owner occupied and investment properties. We never make loans for houses that our borrowers intend to live in.

What do hard money lenders require?

To fund a hard money loan, we require a purchase contract (or HUD from the purchase), rehab budget (if this is a fix and flip), bank statements, entity documents, credit report, background report, appraisal (we order the appraisal).

What do hard money lenders look for?

Hard money lenders look for a variety of things when looking at a deal to fund. Below are some of the items we consider 1. is the borrower a citizen, foreign national or green card holder? 2. Is the borrowers deal profitable? If they hold the loan for a year will they make money? 3. borrowers experience level 4. borrowers background - We conduct a background check. The majority of issues can be explained with a simple letter of explanation, but financial crimes, federal drug and weapons charges are a no-no. 5. Is the borrower willing to sign a personal guarantee for their loan? On all rehab/construction loans, a personal guarantee is required. Loans on portfolios can be made on a non-recourse basis. 6. Does the borrower have a corporation or LLC to close their loan under to take title of the property? 7. Does the borrower have the required down payment and reserves to qualify?

How fast can you close my hard money loan?

The closing process for a hard money loan typically takes 7 to 20 days. In any case, the exact timeline can vary depending on the lender and the specifics of the loan. Lenders are generally able to provide capital quickly and without a lengthy application process. Rather than relying on traditional lending arrangements, investors are able to close on their investments more quickly. Some hard money lenders may also work with borrowers and provide special accommodations if they need funds more quickly than usual. This could include shortening the loan term or waiving certain fees associated with closing on the loan. A hard money loan is an efficient way for investors to access capital quickly so that they can take advantage of attractive investment opportunities as soon as possible. A loan closing typically takes between seven and twenty days, but in some cases a lender may be able to shorten this timeline.

Do you make hard money loans for beginners?

Of course we make hard money loans for beginners. You have to start somewhere right?

Is it possible to get 100% funding for my deal?

100% financing is not available for purchase money deals. We can lend you 100% of the rehab funds if you own a property free and clear. (The same applies to building a house on a free and clear lot.)

Could you tell me what kind of properties you will lend on?

We make hard money loans on the following types of properties: Residential properties with 1-4 families Condominiums Mixed use Apartment buildings with five or more units We can loan funds for both lot purchase and ground up construction (only if we loan both funds at the same time)

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Get Your Hard Money Loan?

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Submitting your application package is quick and easy.

States that we lend in: