Private – Hard Money Loan Programs 2023-07-23T16:35:30+00:00


Simple… Speed is Essential. We close fast.


Upfront Fair Pricing to best work with your clients and your hard money lender deals.


We build partnerships founded on trust, reputation and meeting your goals.

Fast, Flexible Financing Products

Our flexible financing solutions succeed where others do not. Flex Mortgage Group works hard to meet your goals while ensuring fair pricing, quick closings and reliable funding.

This information is intended for use by licensed lending, hard money lenders & real estate professionals only and is not to be distributed to the public. Flex Mortgage Group is not a direct lender. This is not to be construed as an offer to lend.


Investment loans in all states.


PH/SMS: 818-964-1877

Our investors are open to guideline exceptions.

Below Are General Hard Money Guidelines.

Purchase / Refinance

  • Loan to purchase – up to 80% LTV
  • Term: 12-36 months
  • 75% LTV Cash-Out
  • Owner-Occupied considered with Business Purpose

Fix n’ Flip / Rehab

  • 70% LTV of purchase + 100% rehab costs
  • Term: 12 months
  • No Pre-Payment Penalty

New Construction

  • 75% of Total Construction Cost (Hard & Soft)
  • Term: 18-24 months
  • No Income Qualification
  • Minimum FICO 620

Apartments (5+ Units)

  • 75% LTV Purchase or R/T
  • 65% LTV cash-out
  • Term: 12-36 months

2nd Trust Deeds

  • Up to 65% CLTV Cash-out refinance
  • Term: 12 – 24 months

Foreign Nationals

  • Up to 60% LTV
  • Term: 12-36 months
  • FICO not req.
  • Passport, US Visa &  2m Bank Statements

General Hard Money Guidelines*

  • Business Purpose Only
  • Owner-Occupied considered for business purpose
  • FICO: All credit scores are considered.
  • Fast 7-10 Day Close
  • Fixed Rate, interest only payments
  • No Prepayment Penalty options
  • Typically, 12 to 36 Month Terms
  • $3 Million Maximum Loan Amount / Commercial Loans have No Loan Amount Limit
  • Estimated Fees: $1,850 underwriting + appraisal

Loan-to-Value ratio (LTV) = Loan Amount divided by lesser of the Sales Price or Appraised Value.

Rates, Fees, and Programs are subject to change without notice.

Commercial Loan programs, guidelines, requirements, and fees may differ.

*Subject to change without notice. Consult with us today to get upfront pricing and requirements on your specific deal.

Hard Money Loan Application

Other items may be required to complete the loan.

Step 1:

    • FYI. You can skip application items if not known, or if you are unclear. We can clear up later.


Step 2:

  • 2 ID’s
    • 2 ID’s needed such as driver’s license + passport, social security card,
  • Most current bank statement
  • Current mortgage statement, if applicable.
  • Hazard insurance statement or declaration, if applicable.
  • Lease agreement on subject property, if applicable.

*Other items may be required to complete the loan.

Why Chose Us For Hard Money Loans?

  • Quick and Efficient: We pride ourselves on providing swift approvals and streamlined processes, ensuring you get the funds you need in record time.
  • Flexible Solutions: Unlike traditional lenders, we focus on the value of your collateral and the potential of your project, not just credit scores, allowing us to tailor loan packages to your specific needs.
  • Expert Guidance: Our team of experienced financial experts will guide you through the entire loan process, offering personalized attention and support.
  • Diverse Borrower Profiles: We consider a wide range of borrowers, giving you a better chance of securing financing, even if you don’t meet strict criteria elsewhere.
  • Confidentiality Assured: Your financial matters are treated with the utmost confidentiality and professionalism, providing peace of mind throughout the lending process.
  • Proven Track Record: Our successful deals and satisfied clients speak to our commitment to excellence and delivering on our promises.
  • Empowering Success: We are passionate about empowering our clients with the financial resources they need to achieve their goals.
  • Industry Expertise: Our deep understanding of the hard money lending landscape allows us to offer industry-leading solutions.
  • Responsive Customer Service: Our dedicated team is always ready to assist you, ensuring a seamless experience from start to finish.
  • Transparent Terms: We provide clear and transparent loan terms, so you can make informed decisions without any surprises.

Over 1,500+ properties and $200+ million funded

Loan Amount $850,000

Loan Amount $765,000

Loan Amount $625,000