This Article Was Updated On April 18, 2023
As Raleigh, North Carolina continues to experience unprecedented growth and development, the city has become a hotbed for real estate investment opportunities. Savvy investors are constantly on the lookout for flexible and efficient financing options to seize these opportunities and stay ahead of the curve. Hard money lending has emerged as a popular alternative to traditional bank loans, providing investors with the speed, flexibility, and adaptability required to thrive in Raleigh’s competitive real estate market. But with so many options available, how do you find the right hard money lender to support your investment goals?
Welcome to We Raleigh Magazine’s in-depth guide to the best hard money lenders in Raleigh, North Carolina! We’ll explore the top local hard money lenders, analyzing their expertise, terms, and commitment to customer satisfaction. We’ll also provide valuable insights and tips to help you make informed decisions when choosing the right lender to fuel your real estate ventures.
Join us as we delve into the dynamic world of hard money lending in Raleigh, uncovering the key players that can help turn your real estate dreams into reality, right here in the bustling heart of North Carolina.
Best Hard Money Lenders In Raleigh, North Carolina
If you are interested in finding a hard money loan then there are plenty of lenders in Raleigh, NC. We have done our research by contacting lenders, reviewing their service offerings and rates, as well as look at customer reviews to list the best hard money lenders in Raleigh, North Carolina.
Hard Money Lenders We Recommend:
1. Capital Funding Financial
- Phone Number: (954) 320-0242
- Visit Their Website
Capital Funding Financial Company Description:
Capital Funding Financial is a premier hard money lender based in Raleigh, North Carolina, dedicated to providing reliable, fast, and efficient financing solutions for clients in need of immediate funding for their real estate projects. Established in 2009, the company has since built a solid reputation as one of the best hard money lenders in Raleigh, NC. With over a decade of experience in the industry, Capital Funding Financial has successfully funded hundreds of projects, allowing clients to achieve their real estate goals and contributing to the growth of the local community.
Services Offerings:
Capital Funding Financial specializes in providing a range of financing solutions, including hard money loans, fix and flip loans, rental property loans, and commercial loans. With a focus on providing personalized and flexible loan terms to fit each client’s unique needs, they have become a trusted choice for investors, developers, and property owners. Their fast approval process and efficient loan closing services ensure clients can secure funding in as little as 7 days, making them a go-to choice for time-sensitive projects.
Rates:
Capital Funding Financial offers competitive rates, with interest rates starting at 6.99% and loan-to-value ratios up to 90%. They also offer no prepayment penalties, allowing borrowers the flexibility to pay off their loans early without incurring additional costs. By providing transparent pricing and flexible terms, Capital Funding Financial ensures their clients receive the best possible financing solutions tailored to their needs.
Team Members:
Capital Funding Financial boasts a team of seasoned professionals with extensive experience in real estate, finance, and investment. Their dedicated and knowledgeable staff, led by Travis Mattern, Founder and President, works closely with clients to understand their unique needs and provide expert guidance throughout the loan process. By leveraging their industry expertise and local market insights, the team at Capital Funding Financial consistently delivers exceptional results and builds long-lasting relationships with their clients.
Capital Funding Financial has established itself as one of the best hard money lenders in Raleigh, North Carolina, through its unwavering commitment to providing fast, reliable, and personalized financing solutions for real estate projects. With a proven track record of success, a dedicated team of professionals, and competitive rates, Capital Funding Financial is the ideal partner for anyone seeking hard money loans in Raleigh, NC.
2. LendingOne
- Phone Number: (866) 782-3464
- Visit Their Website
LendingOne Company Description:
LendingOne is a leading hard money lender in Raleigh, North Carolina, committed to providing exceptional financing solutions for real estate investors and developers. Founded in 2014, the company has rapidly gained recognition as one of the best hard money lenders in the Raleigh area, offering a unique blend of efficiency, flexibility, and personalized service. By leveraging its deep industry expertise and innovative technology, LendingOne has become a trusted partner for clients seeking timely and reliable funding for their real estate projects.
Service Offerings:
LendingOne specializes in a wide range of financing solutions designed to cater to the diverse needs of real estate investors and developers. Their offerings include fix and flip loans, rental property loans, multifamily bridge loans, and new construction loans. With a focus on providing fast approval and closing times, LendingOne ensures that clients can secure the funds they need in as little as 10 days, making it an ideal choice for time-sensitive projects.
Rates:
LendingOne offers competitive rates on its hard money loans, with interest rates starting as low as 7.49% and loan-to-value ratios of up to 90%. Their transparent pricing, flexible loan terms, and no prepayment penalties make it easy for borrowers to tailor their financing solutions to fit their specific needs and objectives. By providing affordable and adaptable lending options, LendingOne consistently delivers value to its clients.
Team Members:
The team at LendingOne consists of seasoned professionals with extensive experience in real estate, finance, and technology. Led by CEO and Founder Bill Green, the company’s dedicated staff work closely with clients to understand their unique needs and provide expert guidance throughout the loan process. By combining their industry knowledge with innovative technology, the team at LendingOne consistently delivers superior results and fosters long-lasting relationships with its clients.
LendingOne has established itself as one of the best hard money lenders in Raleigh, North Carolina, by offering tailored financing solutions, competitive rates, and exceptional customer service. With a dedicated team of professionals and a strong commitment to client success, LendingOne is the ideal partner for anyone seeking hard money loans in the Raleigh area.
3. Hard Money Property
- Phone Number: (919) 803-8471
- Visit Their Website
Hard Money Property Company Description:
Hard Money Property is a top-tier hard money lender based in Raleigh, North Carolina, committed to providing efficient, flexible, and personalized financing solutions for real estate investors and developers. With a strong focus on client satisfaction and a deep understanding of the local market, Hard Money Property has earned its reputation as one of the best hard money lenders in Raleigh, NC.
Service Offerings:
Hard Money Property specializes in a diverse range of financing options, catering to the unique needs of its clients. Their service offerings include fix and flip loans, rental property loans, commercial property loans, and construction loans. Recognizing the importance of speed and efficiency in the real estate industry, Hard Money Property ensures a fast approval process, enabling clients to secure the funds they need within a short timeframe. Their expertise in providing tailored financing solutions has made them a trusted partner for real estate investors and developers in Raleigh.
Rates:
Hard Money Property offers competitive rates on its hard money loans, with interest rates starting as low as 7.5% and loan-to-value ratios of up to 75%. Their transparent pricing, flexible loan terms, and no prepayment penalties make it easy for borrowers to customize their financing options according to their specific needs and objectives. By providing affordable and adaptable lending solutions, Hard Money Property consistently delivers value to its clients.
Team Members:
The team at Hard Money Property is composed of seasoned professionals with extensive experience in real estate, finance, and investment. Their dedicated staff work closely with clients to understand their unique needs and provide expert guidance throughout the loan process. By leveraging their industry expertise and local market insights, the team at Hard Money Property consistently delivers exceptional results and fosters long-lasting relationships with its clients.
Hard Money Property has established itself as one of the best hard money lenders in Raleigh, North Carolina, by offering tailored financing solutions, competitive rates, and exceptional customer service. With a dedicated team of professionals and a strong commitment to client success, Hard Money Property is the ideal partner for anyone seeking hard money loans in the Raleigh area.
4. Triangle Lending Group
- Phone Number: (855) 258-5363
- Visit Their Website
- Address: 9350 Falls of Neuse Rd STE 103, Raleigh, NC 27615
- Open In Google Maps
Triangle Lending Group Company Description:
Triangle Lending Group is a distinguished hard money lender in Raleigh, North Carolina, dedicated to providing exceptional financing solutions for real estate investors and developers. With a strong focus on customer satisfaction, timely funding, and an in-depth understanding of the local market, Triangle Lending Group has rightfully earned its reputation as one of the best hard money lenders in Raleigh, NC.
Service Offerings:
Triangle Lending Group specializes in a variety of financing options designed to cater to the diverse needs of its clients. Their service offerings include fix and flip loans, rental property loans, bridge loans, and commercial property loans. Understanding the importance of speed and efficiency in the real estate industry, Triangle Lending Group ensures a fast approval process, enabling clients to secure the funds they need as quickly as possible. Their expertise in providing tailored financing solutions has made them a trusted partner for real estate investors and developers in Raleigh.
Rates:
Triangle Lending Group offers competitive rates on its hard money loans, with interest rates starting as low as 8% and loan-to-value ratios of up to 75%. Their transparent pricing, flexible loan terms, and no prepayment penalties make it easy for borrowers to customize their financing options according to their specific needs and objectives. By providing affordable and adaptable lending solutions, Triangle Lending Group consistently delivers value to its clients.
Team Members:
The team at Triangle Lending Group consists of experienced professionals with extensive backgrounds in real estate, finance, and investment. Their dedicated staff works closely with clients to understand their unique needs and provide expert guidance throughout the loan process. By leveraging their industry expertise and local market insights, the team at Triangle Lending Group consistently delivers exceptional results and fosters long-lasting relationships with its clients.
Triangle Lending Group has established itself as one of the best hard money lenders in Raleigh, North Carolina, by offering tailored financing solutions, competitive rates, and exceptional customer service. With a dedicated team of professionals and a strong commitment to client success, Triangle Lending Group is the ideal partner for anyone seeking hard money loans in the Raleigh area.
5. Raleigh Mortgage Group
- Phone Number: (919) 803-8471
- Address: 8414 Falls of Neuse Rd STE 202, Raleigh, NC 27615
- Visit Their Website
- Open In Google Maps
Raleigh Mortgage Group Company Description:
Raleigh Mortgage Group is a leading hard money lender in Raleigh, North Carolina, dedicated to providing exceptional financing solutions for real estate investors and developers. With a strong focus on customer satisfaction, timely funding, and an in-depth understanding of the local market, Raleigh Mortgage Group has earned its reputation as one of the best hard money lenders in Raleigh, NC.
Company History:
Established in 2001, Raleigh Mortgage Group has been serving the community for over two decades with an unwavering commitment to providing personalized and efficient financing solutions. Through its expertise and dedication, the company has successfully assisted countless clients in realizing their real estate goals, contributing to the growth and development of the Raleigh area.
Service Offerings:
Raleigh Mortgage Group specializes in a wide range of financing options designed to cater to the diverse needs of its clients. Their service offerings include fix and flip loans, rental property loans, bridge loans, commercial property loans, and residential mortgages. Understanding the importance of speed and efficiency in the real estate industry, Raleigh Mortgage Group ensures a streamlined approval process, enabling clients to secure the funds they need as quickly as possible. Their expertise in providing tailored financing solutions has made them a trusted partner for real estate investors and developers in Raleigh.
Rates:
Raleigh Mortgage Group offers competitive rates on its hard money loans, with interest rates and loan-to-value ratios tailored to each borrower’s unique circumstances. Their transparent pricing, flexible loan terms, and no prepayment penalties make it easy for borrowers to customize their financing options according to their specific needs and objectives. By providing affordable and adaptable lending solutions, Raleigh Mortgage Group consistently delivers value to its clients.
Team Members:
The team at Raleigh Mortgage Group consists of experienced professionals with extensive backgrounds in real estate, finance, and investment. Led by Brian Grubbs, President and Founder, their dedicated staff works closely with clients to understand their unique needs and provide expert guidance throughout the loan process. By leveraging their industry expertise and local market insights, the team at Raleigh Mortgage Group consistently delivers exceptional results and fosters long-lasting relationships with its clients.
Raleigh Mortgage Group has established itself as one of the best hard money lenders in Raleigh, North Carolina, by offering tailored financing solutions, competitive rates, and exceptional customer service. With a dedicated team of professionals and a strong commitment to client success, Raleigh Mortgage Group is the ideal partner for anyone seeking hard money loans in the Raleigh area.
Frequently Asked Questions About Hard Money Loans In Raleigh, NC
Below are some of the most frequently asked questions we have gotten from our readers on picking a hard money lender in Raleigh and information about getting a hard money loan or real estate loan in Wake County:
What Is A Hard Money Lender?
A hard money lender is a specialized financial institution or individual that furnishes real estate investors and developers with short-term, asset-based loans, primarily for the purpose of acquiring, rehabilitating, or constructing properties. These lenders typically focus on the value of the underlying real estate collateral, rather than the borrower’s creditworthiness, when evaluating loan applications.
Hard money lending is characterized by its rapid approval process, flexible loan terms, and higher interest rates compared to conventional financing options. This form of lending is particularly advantageous for investors and developers who require swift access to funds in order to seize time-sensitive opportunities in the dynamic real estate market.
Raleigh, North Carolina is growing at an exceptional rate which is why there are so many high quality hard money loan lenders in the area. We recommend you support local businesses in Raleigh as they will have a better understanding of the area compared to nationwide chains.
What Kind of Loans Does A Hard Money Lender In Raleigh Offer?
In Raleigh, a hard money lender caters to the diverse needs of real estate investors and developers by providing an assortment of short-term, asset-backed financing solutions. These loan types typically encompass fix and flip loans for property renovation and resale, rental property loans for acquiring or refinancing income-generating properties, bridge loans to bridge the gap between short-term funding needs and long-term financing, and commercial property loans for the acquisition, rehabilitation, or development of commercial real estate.
Hard money lenders in Raleigh are known for their adaptability, offering tailor-made lending options that accommodate the specific requirements and objectives of borrowers, while facilitating quick access to capital for seizing lucrative opportunities in the fast-paced real estate market.
How Do I Pick A Hard Money Lender In Raleigh?
Selecting the ideal hard money lender in Raleigh entails a thorough assessment of several key factors to ensure that the chosen lender aligns with your specific financing needs and objectives. Firstly, examine the lender’s experience and reputation within the local real estate market to gauge their credibility and track record of success. Next, evaluate their loan offerings to determine whether they provide the specific type of loan and terms that suit your project requirements.
Consider their loan approval and funding speed, as timely access to capital is often critical in the dynamic real estate landscape. Lastly, evaluate their interest rates, fees, and loan-to-value ratios to ensure that the financing options are cost-effective and match your financial capacity. By meticulously assessing these factors, you can confidently select a hard money lender in Raleigh that will cater to your unique financing needs and facilitate the successful completion of your real estate endeavors.
Is Raleigh A Good Area To Get A Hard Money Loan?
Raleigh, as part of the Research Triangle and one of the fastest-growing cities in the United States, presents a wealth of opportunities for real estate investors and developers seeking to capitalize on its thriving property market. The region’s robust economy, diverse industries, and expanding population create a favorable environment for various real estate projects, ranging from residential renovations to commercial developments.
Acquiring a hard money loan in Raleigh enables investors and developers to swiftly secure financing, capitalizing on lucrative opportunities within this dynamic market. The presence of numerous reputable hard money lenders in the area further enhances the accessibility and flexibility of financing options, making Raleigh an ideal location for leveraging hard money loans to achieve real estate success.
