Hard money lending is a way to get money fast using real estate as collateral. The lender looks at the property value. They do not focus on your credit history, liens, income, or other factors. This makes it easier to get a loan if you have a property. The loan is usually short-term. It can last from a few months to a few years. Hard money loans have higher interest rates. They also have higher fees. This is because they are much riskier for lenders. But they are faster to ge

New Mexico Hard Money Loans are a group of New Mexico based professionals with a combined 76 years of local business experience lending in North Central New Mexico, including Santa Fe, Albuquerque, Rio Rancho, and elsewhere. Our major advantage is that we can fund projects in days, not weeks or months. We do not focus on credit scores. Why Use Us? Typical Example: You are scheduled to close on a Thursday with a locked-in $100k profit. Your out-of-state lender pulls the rug ou

We’ve all been there. You find the perfect opportunity. The numbers work. The timing is right. You’re ready to move. You go to a traditional lender. What happens? The interrogation begins. They ask for your P&Ls. Then they ask for three years of tax returns. Then they ask for an explanation of a $50 deposit you made in 2019. It feels less like a partnership and more like an audit. The Traditional Lending Trap The sad truth is that traditional banks are designed to mitigate ri