Land

Hard Money is named since we lend off the Hard Asset and not your credit and income. It's based off the property you are trying to purchase or refinance. 

No, your credit just offers you what terms are available to you. We will pull a credit check to see how you pay other lenders back and what usable lines of credit you have to see how you can manage the project. Credit can effect the term of your loan. Short-term loans are more flexible than long-term loans. Longer term loans may require a min 650 credit score. 

We will close within 3 days of clear to close from title and appraisal review. Be careful on terms you see that do not have an appraisal requirement, its your one time when you can see what you buyer is going to see when they try to get a loan to buy your property. It's valuable information. Our loan amount is not dictated by the appraisal, but it's a 3rd party's perspective of the market that should be considered as you plan your strategy.