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Hard Money Loan Nj,Hard Money Loans New Jersey,Private Money Lenders New Jersey,Commercial Private Money Lenders,Hard Money Lender Calculator,Hard Money Loan Requirements,Hard Money Lender Requirements,Hard Money Lending Terms,Rental Loan New Jersey

At Stratton Equities, we are a nationwide hard money and private money lender for real estate investment properties. Our innovative hard money loan programs for Real Estate Investors are structured to meet your needs. No matter what type of mortgage loan you’re looking for your investment property! 

As one of the leading asset-based lenders for real estate entrepreneurs, our borrowers can rely on us to quickly finance their real estate goals and help them grow their businesses.

Find out How to Get a Hard Money Loan with Stratton Equities. Looking for all the documents and requirements for your Hard Money Loan, visit our Document Library​ to discover what you need throughout the loan process.


Ready to calculate your loan scenario? Enter your investment property overview in our Mortgage Calculator.

Get the latest tips and tricks on Hard Money Lending in our blog section!

Hard Money Loan Programs for Real Estate Investors

If you are looking for financing on an investment property in the United States but cannot apply for conventional financing or a traditional loan due your employment, reported income, or credit score -  an asset based private money or  Hard Money Loan  might be the right option for you.

When it comes to investment opportunities, Stratton Equities knows how important it is to expedite the financing needed and working capital for your rental property or investment project. At Stratton Equities, we offer asset based lending programs for most property types. Unlike the grueling process of a traditional loan 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.

Hard Money Loan Summary

Hard Money Loans are for investment properties only and are considered an asset-based bridge loan. The financing is based on the Loan to Value (LTV Ratio) of the asset (the investment property) and has 9-24 month terms for private investors looking to invest in real estate.

There are less restrictions on this type of mortgage loan versus other traditional loans, where the investor would have to present income verification during the approval process. When applying for a Hard Money Loan the borrower will have to go through full underwriting, however there is no minimum FICO score required and the borrower will not have to worry about bankruptcies, foreclosures, collections, etc. 

Here is an overview of a Hard Money Mortgage Program:

  • 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

Found an investment property and interested in applying for a Hard Money Loan?

The Benefits of Working with a Hard Money Lender

There are several benefits to working with an experienced Hard Money Lender for your loan scenario. When applying for a Hard Money Loan, working with an asset-based lender gives you the security needed to take on this high-risk loan.

One of the main benefits of a hard money mortgage program is even if the borrower has poor credit, they can obtain a hard money loan using the value of the investment property as collateral.

A true Hard Money Loan is an asset-based loan that is based on the value of the collateral - which in this scenario is the investment property. Given that hard money, loans are based on the value of an investment property (purchase price) rather than the borrower’s credit scores, working with asset-based lending can fund loans for private investors who are unable to get conventional financing or a traditional loan due to a recent foreclosure, bad credit, or short sale. 

Additionally, a hard money loan is a great option for anyone from beginner investors with a limited credit history to experienced real estate investors looking to free up liquidity and scale their business.

A private money lender can provide hard money loans on the following loan scenarios: single-family, multi-family, mixed-use, rental property, and commercial-investment properties.

Working with a Hard Money Lender will allow you to have your loan approved in half the time a traditional bank loan takes, with less underwriting and guidelines, giving you the opportunity to quickly purchase high in demand 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%-10.99%, 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.


Hard money loans are 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​?

What's the difference between Hard Money vs. Fix and Flip Loans?

Hard Money Loan Application Process

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.

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