Hard Money Loans Fees & Terms

Each deal is carefully and individually evaluated; loan approval is based on the following:

  • The address and physical structure
  • Your financial commitment (how much cash the borrower is putting in the game)
  • Current “as-is” value (current equity value)
  • Borrower’s credit and income — we accept all levels of income and credit, but we analyze to prevent clients from over-extending themselves. Rarely is credit/income a reason for us to deny a loan request.
  • Previous history with the Hardmoney Company


  • Interest Rates 9-15% 
  • Points 1-5
  • Term 1-2 years
  • Other Fees No up-front fees
  • Good faith deposits are required only after a loan commitment
  • Appraisal services: VA-MD-DC single residential units are $300-$400. Similar Florida appraisals range from $500-$800.  Commercial property appraisals are determined individually
  • Legal Fee: $800- $1,800 (larger or multi-unit loans will be quoted separately)