Hard money loans Massachusetts

Use our short-term hard money loan to purchase, renovate, and sell non-owner-occupied residential properties from 1 unit to 10 units.Our hard money loan product is designed to provide you with the financial support you need to purchase, renovate, and ultimately sell non-owner-occupied residential properties.

Whether you're looking to invest in a single unit or a multifamily property up to eight units, our loan options are tailored to meet your specific needs.

Our construction loan program is designed to provide financing for experienced developers and builders to build single family and multifamily homes. Whether you are embarking on a single project or portfolio, our construction loan program offers flexible and competitive financing options to help bring your vision to life.

Investment property that is purchased with our hard money loan product can be refinanced as soon as all items on the scope work are completed, inspected and permitted by the city. Refinancing your hard money loan comes with the following benefits:

• Reduced interest rates: Our short-termed hard money loan carries interest rates from 10%-12%, and refinancing to a long-term loan at a lower interest rate could save a lot of money.
• Assess to Equity: A cash-out refinance allows investors to tap into the equity they have built up in a property. By refinancing for a larger amount than what is owed, the investor can receive the difference in cash. This capital can be used to fund a new property purchase, cover renovation costs, or invest in other opportunities.
• Improved Financial Stability: Moving from a high-cost, short-term hard money loan to a lower-cost, long-term conventional loan stabilizes your financing. For fix-and-flip investors, this is the standard "exit strategy" once a property is renovated. For buy-and-hold investors, it provides a long-term, fixed-rate payment structure that improves financial stability.
• Favorable Property Evaluation: If the value of your property has increased since the initial hard money loan was issued—due to market appreciation or renovations—a refinance will be based on the property's new, higher value. This allows you to leverage your increased equity to access more favorable loan terms or cash out.