We are the leading nationwide Hard Money Lenders. NLDS Corp makes Hard Money Loans to real estate investors and commercial property owners. 2014 is our 16th year lending to investors! We lend on 1-4 unit investment properties in 48 States and Commercial Properties Nationwide! If you dont see what your looking for in our programs, just fill out the short application just to the right, and we will get right back to you. New 65% ARV 100% financing program just rolled out for 2014 in 42 states!!
Purchase Money Loans - These loans in are available in 45 states. In this program we lend a % of the purchase price only, with the borrower or a gap funder providing the down payment and rehab funds. This program is not credit driven.
Purchase and Rehab 65% ARV with 100% financing - As of 2/1/2014 we have rolled out a purchase and rehab program that mirrors our 15k and up hard money program that so many have used over the last 5 years. In this program we can lend up to 100% of the purchase/rehab/closing costs if the numbers work. This program is ONLY available in the states listed on this page here. This program includes in house gap funding.
Note - NY, NJ, Long Island, CA rehab program is still at 60-65% ARV max with 10-20% cash in the deal from you the borrower.
NEW SOFT MONEY PROGRAM - For turn key purchases, refinances of properties that have been rehabbed only. NOT FOR PROPERTIES THAT NEED REHAB. 1-4 unit, 5+ unit and commercial properties - must have 650 fico (no exceptions) for this program, rates from 8.5%-9.5% and 1-3 points. If you have too many properties and you cant get bank financing this is the program for you. 3 or 5 year fixed - 30 year terms. 1-4 unit properties to 70% loan to value. Available in 38 states. Minimum loan amount 125k (no exceptions) Call us to discuss
Cash Out Loans - These are provided in 45 states where the equity in the property will be used to rehab said property or cash out on a completed property to further investments.
Commercial Lending - We will consider loans on just about all types of commercial properties especially cash flowing ones nationwide. We are lending on commercial properties in many states without considering the financials of the property (100% asset based).
Long Term Commercial Private Money - We have some available funds for commercial properties on terms up to 15 or 30 years, for commercial properties only, with no pre payment penalty. This is for borrowers that want the added time to get perm financing on their commercial property.
New Construction - We will consider new construction in CA, Tampa, Naples FL, Houston, Dallas, Austin, San Antonio, Manhattan NY, Southampton NY, South Beach FL, Georgia, Birmingham AL, Charlotte NC, St Louis and Kansas City, MO
What we do NOT offer - NO PERSONAL LOANS, NO OWNER OCCUPIED HOMES, NO BUSINESS LOANS
We can provide loan approvals in as little as 24 hours in most cases.
We are direct lenders not brokers.
We will not take your loan application and shop it around.
We have the funds to lend!
If you look under the tab hard money loan programs up top and hover over it, you will see different loan programs for different states. If you dont see the state your looking for then view the hard money purchase refi new page.
Contact us today with all of your loan scenarios at 516-526-8445
Credit is not a major deciding factor for us. We welcome borrowers with credit issues. If you are purchasing a short sale, REO, a property in foreclosure, in need of rehab, a commercial property, or you need cash out to rehab a property you own, we want to see your loan request.
If you need a commercial hard money lender, or a hard money lender in Arizona, a hard money loan in CA, our new 65% ARV program in CA , or anywhere from coast to coast we are interested in speaking with you today. Please review the rest of our site for all of our loan programs.
We lend in 49 states - if you do not see what you are looking for just ask.
Click the hard money loan programs tab on top to view our programs.
The Wall Street Journal recently had a great article on hard money and its benefits for investors.
If you are looking for a bridge loan, we can provide that temporary bridge from the time you purchase until you get permanent financing on your project. Our loan programs are different in every state and from city to city due to the fact that not every real estate market in the country is the same. Submit your loan request to the right by clicking the purple apply for loan box and let us review your request and get back to you right away with a decision.
Let us show you why we are the leading hard money lenders for hard money loans in the country.
Looking for Hard Money Lenders to fund your real estate deals? Well you have come to the right site. We are the leader in funding real estate investment and commercial deals in the country. If you deal makes sense we will get it funded. With some of the most aggressive loan to values in the industry, we can structure your deal correctly to get the funding your looking for.
Please complete the short application below fully, and send us a short summary of your loan request and we will get back with you in under 1 hour. Let us show you why we are the leading Hard Money Lenders in NY, NJ, CA and the rest of the country.
Hard money lenders are already well-recognized in the real estate industry considering the huge increase in the number of real estate investors who seek their help in the event that they need immediate financial resources to finance their properties. But if you are one of these investors, then you might be confused as to whom you should choose since hard money providers also tend to continuously increase in number. Because of this, it is vital for you to create a list of the specific qualities that make up a reliable lender. You should also conduct an extensive research as to the most valuable tips that will surely assist you in choosing the best hard money lenders.
One tip in finding the best hard money lenders in your area is to choose someone whom you can easily work with. Note that being able to establish rapport with your chosen loan provider is extremely important for those who are involved in real estate investments. Finding a lender whom you can easily access or who is always readily available can make all your transactions easier to handle. This is also a good way in building a better reputation which is helpful in getting great results from your future investments.
The best hard money lenders are also those who share with your perspectives when viewing a specific property. Consider choosing one who sees what you actually see on a specific project. You should work with someone who believes that your property or proposed project has a potential of earning huge profits and use this perspective to approve your loan application. You also need to assess the speed and flexibility of a specific lender before choosing him. Honest and reputable hard money lenders are fully aware of why most real estate investors ask for their assistance. Consider working with them if you want to enjoy the speediest loan approval and transactions and receive the most flexible deals and loan terms.