Hard Money Loans for New Jersey Real Estate Investors

When you’re ready to finance your investment property purchase, working with an experienced hard money lender is an advantageous solution for prospective real estate investors. 

Stratton Equities is the leading direct private money lender with the largest library of hard money loan programs nationwide.

Our hard money loan programs for investment property loans in New Jersey are structured to meet your needs, regardless of what type of investor loan you’re looking for. 

As one of the premiere hard money lenders for real estate investors in New Jersey, our borrowers can rely on us to quickly finance their real estate deals and help them grow their business.

Are you ready to finance your loan scenario? Enter your information into our Mortgage Calculator.

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New Jersey’s Leading Direct Hard Money Lender

When it comes to New Jersey real estate investment opportunities, Stratton Equities knows how important it is to expedite the financing needed for your project. 


At Stratton Equities, we offer New Jersey hard money loans for most property types in the real estate market. 


Unlike the grueling process of a traditional loan approval process which can take upwards of forty-five days, Stratton Equities can approve your hard money loan and provide you with funds in an average closing time of just 21-35 days. 


Stratton Equities is here to quickly assist you every step of the way. We are the leading Nationwide Direct Hard Money Lender in NJ!

What is a New Jersey Hard Money Mortgage Lender?

While both banks and mortgage lenders can help borrowers receive the funding needed to purchase an investment property, there are specific differences between the two. 

A New Jersey mortgage lender offers a larger variety of hard money loan programs that are more forgiving of borrowers with fluctuating income, damaged credit, or who are self employed. Banks, who work with traditional loans, have less options, stricter guidelines and lending criteria.

Unlike conventional loan programs with traditional lenders, hard money loans are for investment properties only and no income verification regardless of the borrowers’ credit score, experience, and cash flow.

Hard Money Lending New Jersey 

At Stratton Equities, our New Jersey hard money loan programs are based on the value of an investment property rather than the borrower’s credit score. Therefore, we have the ability to fund deals for borrowers who are unable to get conventional financing due to a recent foreclosure, bad credit, or short sale. 

Even with tarnished credit, a real estate investor can obtain a hard money loan in New Jersey using the value of the investment property as collateral. 

This makes a hard money program, an asset based loan, which is a great option for anyone from beginner real estate investors with a limited credit history to experienced investors looking to free up liquidity and scale their business.

​Stratton Equities funds hard money loans on single family, multi-family, mixed-use, and commercial - investment properties. 

The interest rates on an asset based hard money loan are usually higher than those of conventional mortgages. Interest rates for hard money loans range anywhere from 7.25%-9.99%, and Stratton Equities’ competitive loan programs offer qualified investors some of the best rates in the industry.

Hard money lenders typically charge higher interest rates due to the greater risk associated with these loans, and the incredible speed in which they are able to process and fund transactions. 

Working with an experienced New Jersey Private Lender for your Hard money loans is a very strong tool for investors who need to move quickly. These short term (usually 12 months) loans are the perfect opportunity to aid any investor in developing their success.

​Want more information on hard money loans? Check out the Top 3 Reasons to Use Hard Money.

What are the 3 Steps to Processing a Hard Money Loan​?

Hard Money Loans New Jersey Summary

  • Rates Starting at 7.25%

  • $100K – $5M

  • Up to 75% LTV

  • Blanket Loan Options Available

  • Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse

  • Fixed rates/Adjustable

  • 9-24 Month Terms

  • Interest Only Payments

  • Purchase, Refinance, or Cash Out

  • Foreign Nationals Eligible

  • No Prepayment Penalty Option Available

How to Apply for a New Jersey Hard Money Loan?

Applying for a  New Jersey Hard Money Loan is a fast and easy process with Stratton Equities. If you’re a real estate entrepreneur with an investment property, reach out to a direct private money lender to assess your loan scenario.


Direct private money lenders, such as the Nationwide Direct Private Money Lender Stratton Equities, can provide a New Jersey Hard Money Loan for the following property types:​


- Single-Family

- Mixed-Use 

- Multi-Family

- Commercial


​After applying for a hard money loan, the prospective borrower will work directly with a loan officer to discuss their real estate investment goals and how a Hard Money Loan can help them achieve their goals. Apply today and close in three weeks or less!

New Jersey Hard Money Lender for Real Estate Investors

Working with a New Jersey Hard Money Lender gives you the security needed to take on a high-risk loan. 


With companies like, Stratton Equities, they have years of experience in working with real estate investors to achieve their goals. Direct Private Money Lenders provide loan programs with less underwriting and less guidelines that close within 21 - 30 days. 


Stratton Equities is the leading Nationwide Direct Hard Money and NON-QM Lender that specializes in fast and flexible lending processes. The team is owned and operated by experienced Real Estate Investors providing a reliable and knowledgeable team to help all Real Estate investors succeed.


For more information, call Stratton Equities at 800-962-6613, email us, or apply for loan pre-qualification today.

Found an investment property and interested in applying for a loan?