:: LOANS OFFERED ::

Fix And Flip Hard Money Loans

If you are a real estate investor looking to acquire properties that require all-cash to purchase or want to buy a property that won't qualify for a conventional loan, we offer same-day pre-approval letters. Our Fix and Flip loans do require that you have some financial skin in the game but do not require appraisals, home inspections, or budget approvals. We give you the full loan amount at closing so there is no draw process. We never charge pre-payment penalties, so our fix and flip loans can be paid off at any time. You also can always keep your loan with us as long as you need it, we never charge extension fees.

Fix And Flip Loans

When it comes to fixing and flipping real estate in today's housing market, cash and speed are essential. We provide hard money loans which act like cash so that our clients can make competitive offers on properties they'd otherwise miss out on. Our fix and flip hard money loans provide up to 80% of the purchase price, which leaves our clients with the cash they need to renovate the property themselves. We also do not charge extension fees, so if your project takes longer than expected you can have confidence that you can keep your loan with us as long as you need it.

Is A Fix & Flip Loan Right For Me?

With the advent of binge-worthy television shows like Fixer Upper and Property Brothers, buying, restoring, and selling distressed real estate properties is becoming an increasingly common practice, and with good reason. With the help of a fix and flip loan, a little sweat equity, and an eye for the right properties can yield a great return on your investment.

Buy, Rehab, Renovate and Refinance (BRRR Loans)

Are you looking to purchase a distressed property, make improvements, and then turn it into a source of income? Good deals don't last long and commonly need cash to purchase! A hard money loan gives you the cash you need to buy foreclosures and short sales. We also lend on distressed properties that are not conventionally financeable. At NW Private Lending we help our clients purchase and renovate those homes and work with you to refinance that loan with a low-rate conventional mortgage. Call us today to receive your pre-approval letter!

Rehab And Refinance Loans

Commonly called the BRRR Method, our Rehab & Refinance program allows the borrower to purchase distressed properties, make improvements, and ultimately refinance after finding tenants for rentals. We offer up to 70% of the borrowers' purchase price. Once you have fixed up the property and have it rented out, we can work with you to get a long-term, low rate 30-year fixed mortgage.

Is a Rehab and Refinance Loan right for me?

Many real estate investors are looking for ways to build recurring monthly revenue by growing their rental portfolio. Perhaps you're a first-time developer looking for capital to make a cash offer on a property that needs a bit of work before renting out. Or maybe you're a seasoned investor looking to do an extensive renovation. Whatever your situation, we are here to talk through your lending needs.

What Is The BRRRR Method?

Most of us would agree that investing in real estate is a great way to build wealth and create monthly cashflow, but have you ever wondered how professional real estate investors are able to purchase those "cash only" listings or take advantage of bank or tax foreclosure sales? How do they buy properties with built-in equity and create even more equity by fixing the property up? How do they utilize renters to pay off their loan in the long run? How do get money back out of the house so they can buy a 2nd, 3rd, or 10th investment property? Commonly referred to as the BRRRR Method, we specialize in helping clients Buy, Rehab, Rent, Refinance, and Repeat this process to build consistent income and wealth in real estate investment. 

Cash-Out Refinance Loans

Are you property rich, but cash poor? Have you paid off or paid down a piece of real estate only to find the bank won't lend to you or they are taking too long? You are not alone. With changes in conventional lending standards, this is becoming a huge problem for many savers who want to get cash out of their real estate holdings. We love helping our clients and can quickly and easily convert your saved equity into cash. We make our own decisions and don't require W2 income, tax returns, credit scores, or debt-to-income ratios to do it.

Cash-Out Refinance Loans

A Cash out refinance is a pretty common loan these days and can be supported my most conventional lenders. But what if you cannot qualify for a conventional loan how do you get access to the equity in your real estate if you need it? We work with business owners and self-employed clients who do not qualify conventionally but can also help people who have recently become divorced, retired or received real estate as an inheritance but don't qualify to get a loan from a bank.  Since we don't pull credit or require tax returns our loans can support those who don't fit in the box.

Is a Cash-Out Refinance right for me?

Well it depends, you are not a number and we are not a bank. We don't evaluate our clients with FICO scores, citizenship, or debt to income calculations. We are a Private Lending company who gets to know our clients situations and works to do everything we can to solve problems. If you need quick cash out of your investment real estate we can give it to you, but will work with you to make sure it is the best financial decision for you.

Short-Term Bridge Loans

Are you looking for a way to purchase your next home while waiting for another property to sell? A Bridge Loan enables clients to purchase first and sell second. NW Private Lending can loan up to 100% of the purchase price of a new home by utilizing the equity in your existing home. Call us today to see if a bridge loan is right for you!

Bridge Loans

The transition from one property to another is easy if you have the ability to sell, get the cash and then purchase.  But where will you live in the meantime?  What if the house you are selling doesn't close on time?  Wouldn't it be easier if you purchased first and sold second?  Yes it would,  but most lenders cannot support your new loan until you have received the proceeds from your sale.  Our bridge loan is able to use the equity in an existing property you want to keep or plan to sell towards your next purchase.  We commonly can fund 100% or more of the purchase price of the new home, so you have the time you need to move, fix up the old house, then sell.  Once you sell, the loan automatically  pays-off or pays down the loan on your new home.  Whether it is a primary residence or another investment property we want you to know you have options.

Is a Bridge Loan right for me?

A bridge loan provides real estate investors with the capital and time needed to get from Point A to Point B. Bridge loans are most commonly used by developers and professional fix and flip investors who need capital to fund the next project while they wait for a completed or mostly completed property to sell. They are also very common in a Reverse 1031 exchange. However, in today's competitive market we are seeing more homeowners use Bridge loans to find and purchase the property they want to live in before they sell and need to move out of their existing home.

What is a Hard Money Bridge Loan?

A hard money loan is a loan that is primarily secured by the equity in one or several pieces of real estate. A Hard Money loan is perfect to help people bridge between two properties since private lenders can use the equity in one home as the down payment for a new purchase.

Commercial / Industrial Loans

Commercial properties can take so many forms. From office buildings and parking garages to raw land and retail space, working with a private lender who understands the value and can help make purchases and improvements is hard to find. With loans ranging from $50k to $2m, Northwest Private Lending can provide the know-how and capital you need to be successful as a commercial real estate investor!

Commercial / Industrial Loans

Commercial and Industrial properties cover a huge spectrum. They can be office buildings, retail spaces, or mixed-use buildings. They can also be RV parks, Industrial or storage facilities. Even bare land can fall into the commercial lending world. We work outside the banks to secure investment capital for clients.

Is a Commercial Loan right for me?

Are you looking for a loan to purchase or renovate a commercial building but are struggling to find banks that will lend you the money? As an equity-based lender, we lend our own money and make our own decisions based on the value of the deal, not your tax returns, tenants, or business history. The commercial space is a broad category with a variety of loan options.

Property Renovation & Construction Loans

Do you have significant equity in a home that you’d like to put to work for a much-needed renovation? Construction Loans enable clients to turn stored up equity into a new kitchen, bathroom, or extension on a residence or commercial building. Are you at the end of a new construction project you financed yourself only to find you have run out of money? Traditional banks won't lend during construction, but we will. Give us a call.

Construction Loans

Construction Loans are a great resource for real estate investors who are purchasing or own properties that need extensive construction or renovation. Where traditional banks won't finance loans for distressed properties, we do! We see Construction Loan as a means to improve and revitalize our community while helping borrowers achieve their investment goals!

Is a Construction Loan right for me?

Building a new home or renovating an existing one can be time-consuming and complex. Zoning, permits, and delays can cause your project to take longer than expected. Unlike most construction lenders, Northwest Private Lending never charges extension fees. With our interest-only payments of 1% per month, you can keep your loan with us for as long as you need to finish and sell the project.

Acquisition / New Purchase Loans

Do you have a large down payment, but don't check one of the boxes required to get a conventional loan? That is okay, we are a private lender and we make our own boxes. We don't use credit scores, W2 Income, citizenship or tax returns to evaluate our clients. We can lend to you even if you are starting a new business, recently changed jobs or are going through a divorce. We make loans to all people from all countries regardless of citizenship. We are proud of the immigrants who make this country great and want to help you purchase a home. We love to help those who have worked hard, saved their money but have a unique situation.

Acquisition / New Purchase Loans

The most common of all loans is the loan given to a borrower to purchase or acquire a new primary residence. We believe that this space is best served by conventional lenders and banks who can offer 30-year terms as well as government sponsored loan products like FHA, VA and others. That being said, both the banks and conventional lenders have very specific guidelines for a borrower to qualify for those loans.

But what if you have a large down-payment but still cannot qualify for a conventional loan? We work with clients who can't qualify conventionally or don't have the time to jump through all the hoops. Since we don't pull credit or require tax returns our loans can support those who don't fit in the box or don't want to deal with the hassle.

When should I use a Hard Money loan on a new purchase?

Well it depends, you are not a number and we are not a bank. We don't evaluate our clients with FICO scores, citizenship, or debt to income calculations. We are a Private Lending company who gets to know our clients situations and works to do everything we can to solve problems and help you to make the best financial decision for you.