Home Mortgage, Refinance, Purchase, Home Equity Loans, Rates | Home Loan Wholesale
Home Loan Wholesale offers hard money loans online to consumers looking to shop online with competitive lenders and brokers that provide hard money and non-traditional loans for all types of borrowers. Choose from several hard money loan programs from lenders all over the country.
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Home Lending Advice

Without a doubt the most coveted home loan today is the fixed rate 30-year mortgage. Whether you have a credit score of 500 or 800, chances are you are seeking a thirty year loan that has a fixed interest rate. With rates where they are at, you can't go wrong. Hard money loan rates have been a lot lower than most applicants anticipate.

Bad Credit Home Financing


Home Loan Wholesale wants to help expand you find a loan even if your fico score is below 500. If you have equity we can probably get you qualified for a hard money loan.

No Equity Loans under the Streamline Refinance Loan programs with NO Appraisal Required!

 

Hard Money

Preferred Loan Type

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Hard Money Home Loans

Hard Money Loans for Borrowers who need a private money lender because they need a stated income loan or because they have bad credit

Hard Money Home Loans

Home Loan Wholesale provides opportunities for a hard money loan for refinancing, purchase and cash out.

Even if you have not qualified with traditional lenders, give us 5 minutes and we may find you the loan you have been searching for.

A hard money loan is one made by a private investor or other private fund source (a non-prime lender), rather than a traditional financial institution. These loans generally carry high fees and much higher than normal annual percentage rates (APRs) because they carry such a high risk for lenders. Among the reasons anyone would seek these non-conforming, non-prime loans include:

  • Having low credit scores (typically credit scores below 500) - typically some who's had a recent bankruptcy, consumer credit counseling, collections, charge-offs, repossessions, judgments, tax liens, notices of default and other derogatory information on credit reports.
  • Having a loan (a borrower and/or a property) that falls outside the traditional prime and sub-prime loan underwriting guidelines.
  • Do you need help refinancing a second mortgage?

Featured Lenders for Hard Money Loans & More

Home Loan Magician
203 Washington St,
Salem MA 01970

BCLM Lenders
Hard Money, FHA and More
Hard Money Loan Lender
26500 W. Agoura Rd Suites 102-135
Calabasas, CA 91302

BD Nationwide
Home Equity, Hard Money
Loans for Hard Money
515 Encinitas Blvd.
Encinitas, California 92024

According to Fair Isaac Company, over 75 percent of mortgage lenders and over 90 percent of credit card lenders use credit scores when making their lending decisions. A low credit score may result in a denial of credit. So, if you have bad credit, and your scores are too low for even sub-prime loans, you'll need to find a home equity lender that works with non-prime credit.

The upside is that the qualification process for hard money loans is a lot simpler than that of other loans. The investor/lender reviews the real estate being used as collateral to determine whether it holds sufficient value for the investor/lender to be willing to take the risk of granting the loan. Most hard money lenders require the LTV to be under 70%. The borrower's current financial status and future potential is reviewed to determine the risk. And, because hard money loans are short-term loans of 2-18 months, an exit strategy is reviewed to determine whether the loan will be completed satisfactorily within the allotted timeframe.

Hard money loans are good for foreclosure bailouts, debt consolidation to quickly improve credit scores, paying tax liens and other quick fixes to hard financial problems. But, they are not a good idea for refinancing unless you're refinancing to help you avoid foreclosure. If possible, try to work out your financial issues with your creditors before trying for home refinance loans or home equity debt consolidation loans. Once you get to the point where your scores are high enough for a sub-prime loan (typically 540-619), then secured debt consolidation loans for consolidating revolving debt to pay off credit card debt will lower your payments and save money. You'll have many more options available for using your home equity to save money and get cash out through debt consolidation loans. Fixed rate consolidation will save you more money down the road than adjustable rate mortgages (ARMs).

Hard Money Loan

Hard Money Home Loans

  • 75% LTV Mortgage- No PMI
  • Hard Money Fico Scores under 500
  • No Verification of Mortgage Payments
  • No Verification Of Rent
  • Stated Income/ Stated Assets to 75%
  • Up to 55% Debt to Income Ratio
  • No seasoning on Bankruptcy
  • 75% LTV up to $1,000,000 jumbo loans
  • Stated Income Refinancing 75% CLTV
  • No Qualifying Trades Lines Required
  • Prior Bankruptcy OK
  • Prior Foreclosure OK

Home Lender

Purchase Loans

Home Loan Wholesale, your source for the latest hard money loan news. If you need a bridge loan, land loan or alternative financing from a private money source, let HLW connect you with multiple companies that specialize in hard money transactions.


Loan Types
Alt-A Loans
Sub Prime Loans
Hard Money Loan
Sub Prime 2nd Mortgage
1st-2nd Combo Loans