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Hard Money Residential Loans

man holding money in his hand

At First Option Mortgage, we provide hard money Fix and Flip and investment property loans. 

By using money from private investors, we aren't bound by rigid banking guidelines and can offer you some of the most flexible loan terms in the industry depending on the deal, your investor profile, background, and experience. Other lenders take a one size fits all approach to making loans - but we don't. We carefully evaluate each and every deal and offer competitive terms when the deal makes sense. From Residential Fix and Flip, Rental, Line of Credit, Refinance or construction, it's our job to get you the money to do the deal.

We can structure loans in most states. Terms will vary from market to market but if you have a good deal and a decent background we can get your deal closed.

Here are a few things that you should know about our Fix and Flip Hard Money Loans:

  1. If your deal is good enough we will cover up to 90% of the purchase price, rehab, and closing costs, points & interest.

  2. Our max loan amount is based on the after-repair value, not the current value or purchase price. If the numbers line up, we will fund it.

  3. We lend up to 75% of the ARV. We will fund everything but earnest money as long as it fits within 75% of the ARV.

Here is an overview of the types of Hard Money deals that we can do:

  • 90% Purchase, 95% Rehab
  • Up to 75% ARV
  • Nationwide Rental Loans
  • Investor Portfolio Loan
  • Investor Line of Credit
  • Purchase or Refinance (Blanket Loans)
  • Bridge Loans
  • 1-4 Units Non-Owner
  • Stated Income and No Doc
  • No Appraisal Loans

We wish we could approve all deals, but not all deals are approved.

Call us today at 714-231-2332 to talk about your deal!

Apply for a Hard Money Loan


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