HardMoney Company is a family-owned private lender with its Virginia office in McLean. We fund investment property across Virginia with our own capital, from $150,000 to $5,000,000, and you deal directly with the owners who make the decision. The same number, 703-405-6548, reaches our team for Virginia, DC, Maryland and Delaware.
All of our loans are for business purposes. We don’t lend on a primary residence. If you have a Virginia property in mind, call us or use the quick apply form, and we’ll tell you straight whether it fits.
Where we've lent in Virginia
The Virginia loans on our Recent Deals page run from $224,000 to $2,800,000. The biggest is a $2,800,000 fix and flip on Hedgetop Dr. Another fix and flip, in Manassas, was $600,000. In Alexandria we closed a $450,000 cash-out refinance. The rest are in Vienna ($1,100,000), Arlington ($435,000), Ashburn ($375,000) and Lovettsville ($224,000).
That spread is the point. We’re not limited to one loan size or one kind of project, and a Virginia deal can sit anywhere in our $150,000 to $5,000,000 range.
Find your market
- Arlington: the neighborhoods and property types we lend on there
- Fairfax: terms, costs and our process for Fairfax investors
- Anywhere else in Virginia: we look at projects across the state, so call us with the address
- Across the river: our Washington, DC and Maryland pages cover the same team’s work there
What investors use us for in Virginia
Virginia borrowers come to us to fix and flip a house, rehab one they already own, bridge to the next deal, or buy or refinance a rental, multi-family or commercial property. Our Alexandria loan was a cash-out refinance, and those often need no cash from you at closing.
Property types run from single-family homes and townhomes to multi-unit buildings, condos and apartment complexes, plus shopping strips and office parks. Land is the exception. We’ll consider it, but only under strict restrictions.
What a Virginia deal costs
We charge no up-front fees. Once you have a loan commitment, we ask for a good faith deposit, and it comes off your closing costs. On a single residential unit in Virginia, an appraisal runs $300 to $400. Commercial appraisals are priced property by property. Our legal fee is $800 to $1,800, and larger or multi-unit loans are quoted separately. We also charge points, each worth 1% of the loan, and we’ll tell you the number for your deal.
Your own cash in the deal runs from 1% to 20%, depending on your track record and how strong the transaction is. Many refinance and cash-out loans need none. Terms depend on the property and the deal, so treat these numbers as a guide, not an offer of credit.
From first call to closing
The call
Give us the address, the price and your plan. We talk through the numbers, and if we agree with your analysis, you get a commitment letter.
The visit
We meet you at the property so we can see it and hear what you want to do with it. We once closed a deal 24 hours after a visit like that.
The closing
We order the appraisal after we’ve reviewed your application and take the good faith deposit once we agree in principle. Then we re-verify every detail and schedule settlement. Most loans close in 5 to 7 business days, and title problems are what usually slow us down.
The full steps are on our Terms and Process page.
Free Loan-Application Process
Who you'll work with in Virginia
Our Virginia office is at 1464 Ingleside Ave, McLean, VA 22101. Jerry Bouchard, Owner and Partner, and Steve Stoney, Senior Loan Officer, make up our Virginia loan team.
The founders, Gus Goldsmith and Jerry Bouchard, have worked together for more than 25 years, and their ventures go back to 1988. Both came out of consumer finance and sold earlier businesses to publicly held companies. HardMoney Company began with fix and flip loans in Kentucky, Indiana and Ohio, moved into the mid-Atlantic as demand followed, and reached South Florida in 2015. We’ve lent more than $1 billion.
We operate as Goldsmith Equity Group, LLC, NMLS #1475189, and Tiffany Goldsmith’s NMLS number is #1390213. We belong to the American Association of Private Lenders and the Northern Virginia Chamber of Commerce, and we’re accredited with the Better Business Bureau.
Jerry Bouchard
Steve Stoney
Questions Virginia investors ask us
Where in Virginia do you lend?
The loans we’ve closed are listed above, and we look at deals across the state. Arlington and Fairfax have their own pages. If your property is somewhere else, call us with the address.
Do you have a Virginia office, and who will I talk to?
Yes. It’s in McLean, and 703-405-6548 reaches the team for Virginia, DC, Maryland and Delaware. You’ll talk to the owners and loan officers, not a call center.
A bank turned me down. Is that a problem?
Not for us. We lend on the property and the deal. We review credit and income, but we accept all levels of both, and credit alone is rarely the reason we say no.
Can I get proof of funds before I make an offer?
Yes, once your application is complete. We can provide a proof of funds verification, which helps when a seller wants to see you can close.
Can I get more time if my project runs long?
We consider extension requests based on your loan history with us.
Do you work with real estate agents and brokers?
Yes. We partner with real estate and mortgage brokers with no application fees and no membership fees. A broker is paid at closing, and compensation typically runs 1 to 2 points. Once the client’s application is complete, we can provide a pre-approval letter.
Can I have more than one loan open with you?
Yes, depending on the strength of the client. Returning borrowers with a strong record can.
(703) 405-6548
HardMoney Company is a private lender. We make business-purpose loans on all types of properties except primary residences. Goldsmith Equity Group, LLC, NMLS #1475189. Tiffany Goldsmith, NMLS #1390213. Terms depend on the transaction and are not an offer of credit. Last reviewed November 2026.