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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.

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, that work with traditional loans, have fewer options, stricter guidelines, and lending criteria.

Unlike conventional loan programs with traditional lenders, hard money loans are for investment properties only and have 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 can 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 9.99%-10.49%, 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 can 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​?

Why Choose Stratton Equities in New Jersey?

From the iconic Jersey Shore to the historic towns nestled within, New Jersey's real estate spectrum offers a myriad of opportunities. Stratton Equities is primed to help investors tap into this vibrant market with bespoke hard money loans tailored for New Jersey's unique property landscape. Whether you're eyeing a beachfront property or a colonial home, we're here to fuel your aspirations.


New Jersey's dynamic real estate arena requires more than just capital—it demands a partner who understands its pulse. Stratton Equities brings swift loan approvals, transparent terms, and unmatched expertise to the Garden State's real estate community.

Features of Our New Jersey Hard Money Loans

Unlock the full potential of New Jersey's real estate opportunities. Dive into our simplified loan application process and let's transform your real estate goals into tangible success.

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!

Hard Money Loans New Jersey Summary

  • Investment Properties Only: Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse

  • Rates Starting at 9.99%

  • $100K – $5M

  • Up to 75% LTV

  • Blanket Loan Options Available

  • Fixed rates/Adjustable

  • 9-24 Month Terms

  • Interest Only Payments

  • Purchase, Refinance, or Cash Out

  • Foreign Nationals Eligible

  • No Prepayment Penalty Option Available

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. 


Companies like Stratton Equities, 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.

Benefits of Asset-Based New Jersey Hard Money Loans for the Beginning Real Estate Investor

There are many benefits to using asset-based loans in New Jersey with a private lender for the beginning real estate investor. One of the greatest benefits is the speedy application and approval time. Unlike conventional lending, which involves a significant amount of underwriting and application materials, a New Jersey asset based hard money loan included a streamlined process and a quick approval time. If you are worried that the real estate investment property you are looking at might be bought before your loan approval has been processed, an asset based hard money loan should alleviate these worries  - due to less underwriting and higher interest rates.


Another advantage of the hard money loan in New Jersey is that cash-flow asset-based lending allows you to keep on top of expenditures, necessary purchases, and new investments while you are waiting for incoming cash payments. It doesn’t have to be used for specific purchases or items, so you can have the flexibility needed to make your investments blossom. Like its name, a bridge loan bridges that gap, so your business and investments can swim not sink.


Unlike traditional lenders, our New Jersey Hard Money Loans have a loan-to-value of 75% with rates starting at 9.99%.


How Can I Apply for a New Jersey Mortgage Loan?

Now that you’ve seen all the perks of applying for a hard money asset based loan, you might want to apply for one to help you invest in that piece of real estate you’ve been eyeing. But how do you get started? Contact Stratton Equities, the leading private lender, to speak with one of our talented and experienced loan officers at 800-962-6613, email us, or apply for loan pre-qualification today!

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

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