Hard Money Lenders in Arvada, Colorado

By admin, Hard Money Lenders IO

Hard Money Lenders in Colorado

Arvada is a city in Jefferson and Adams counties in Colorado, and has a population of just over 124,000 people according to the 2020 U.S. census. It is the seventh biggest city in the state, and is known for being a Denver suburb with the Olde Town Arvada district. It has lots of wildlife refuges and is known for being a center for the humanities and arts. 

According to Niche, Arvada is one of the best places to live in Colorado. It’s a place that gives residents a dense suburban feel and where most people own their homes. There are many parks in Arvada and like the rest of Colorado it’s known for having a plethora of health and fitness and outdoor activities. IT has great weather and is a great place to raise a family. With lots of bars, Arvada is a place where there is great night life. It’s home to many young professionals and families, as well as above average public schools. Arvada has a median home value of $424,100 and a median rent of $1444.

Right now, as of June 2022, Arvada is a seller’s market. Homes are selling very fast and for higher than listing price, and it is a place that’s a housing bubble. Like most of the rest of the country, Arvada has skyrocketing housing prices where real estate investors are getting into bidding wars over the best real estate in town.

Hard money loans might be the best way to invest in real estate in Arvada. Hard money loans are an alternative source of financing to traditional mortgage loans — they are usually used for transactions where real estate investors try to flip houses. They are used for fix and flips, long-term rentals, and other major transactions. Hard money loans have a tremendous advantage in seller’s markets — they can be approved in a couple of days, which is much faster than traditional mortgage loans can be approved. Mortgages often take more or less a month to be approved, which means a lot of investors might lose out on desired properties in the time they’re waiting to get approved for traditional financing. Hard money loans make investors instantly competitive because time is money in real estate investing. 

There are many fundamental differences between hard money loans and traditional mortgage loans. Hard money loans don’t use the credit score of the borrower as an asset, like mortgages do. Hard money loans use the property as the asset and collateral, which means if a borrower defaults on a hard money loan, there isn’t a foreclosure process like there usually is for a mortgage. With hard money loans, the lender will become the homeowner if the borrower defaults on a mortgage, and it’s a process that involves a lot of risk for the lender.

This also means hard money loans have a plethora of disadvantages and cons. They come with higher interest rates, shorter repayment periods, and lower LTV ratios than traditional mortgage loans. Hard money loans have interest rates anywhere from 8–15%, which is much higher than the 5.6% interest rates of 30 year mortgages. They also need to be repaid within a year, which means monthly payments are very high. 

It’s essential to only choose the best hard money lenders, which is where we have you covered at Hard Money Lenders IO. Here are the best lenders in Arvada.

Hard Money Lenders IO

The team at Hard Money Lenders IO have been lending on investment properties to real estate investors. Every member of our team is dedicated to providing the clients we serve with fast, affordable financing solutions so that they can have access to the funding they need. Hard Money Lenders IO has adjustable guidelines and customized lending programs for borrowers.

Loan Amounts from
100K to 5M+

Rates starting at

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LendingOne is a private money lender, specializing in the financing of non-owner occupied residential investment properties. Lending One provides Mortgage Brokers and Real Estate Investors with a fast and cost effective funding source for their real estate investment needs.

LendingOne uses our own capital, an easy online application and our extensive real estate experience to provide quick and reliable funding for our clients.

Our Loan Programs include:

Fix & Flip
Buy & Hold
Rate & Term
Cash Out Refinance
Bridge Financing
Wholesale Lending

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