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Hard Money &
Bridge Loan Financing
Hard Money Mortgage Loans
Hard Money Mortgage Loan Programs Natiojnwide. California, New York, Florida, Texas, Massachussettes, Washington, Vermont

*brokers protected

Hard Money Loans to 20 million. High LTVs. True equity
based lending. No income check available. Foreclosures ok.

  • $200,000 to $20,000,000 available on hard money.
  • Nationwide - All 50 States - California, New York, Texas, Florida, Washington, Vermont, CT..
  • Bad credit OK - for a bad credit or hard money mortgage loan.
  • All Hard Money Loan situations considered including bankruptcy, foreclosure, leins, and title encumberances.
  • 24 Hour Approvals / Emergency Closings
  • Hard Money Program designed for Quick Close and Credit Rebuilding
  • Based on property value -We will a
  • Additional Real Estate, Business property, or other Assets may be used to approve a larger hard money loan amount.
  • Rate: 10%-15%
  • LTVs on Hard Money up to 70%
  • All property types considered both residential and commercial. All types of Commercial Property.
  • Hard Money payment reduction program. Let us make hard money affordable while credit is rebuilt.
  • Hard Money Loan on actual property/project value, not contracted purchase price.

  • For immediate information, on a hard money mortgage loan,
    call Mike Williams at 1-516-364-1500 or email Eastland.
    Let our experience work for you.

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    Additional Hard Money Mortgage Loan Information

Hard Money Mortgage Loan - Real Estate Appraisals

Eastland Mortgage offers hard money on residential homes, investor homes and commercial real estate property, for emergency loan purposes. Hard money is an expensive alternative to conventional financing and is not reccommend unless it is for short term use. Hard money mortgage loans can supply financing to a home or property owner when, traditional bank financing will not due to other credit factors. Hard money mortgage loan financing is based primarily on the value of the real estate collatoral. We will consider an existing real estate appraisal to mimimize unneccessary time delays or cost. The appraisal will be reviewed for acceptability. If for any reason it is deemed unacceptable, Eastland Mortgage or it's investors may require a seperate real estate appraisal of the property required for collatoral on a hard money mortgage loan. Appraised values are not discounted, but are considered to be conservative to assure security of the hard money mortgage loan to lenders and investors.


If a larger loan amount is needed on a hard money mortgage loan that is offered based upon collatoral, additional assets such as other real estate, business property or equipment may be collatoralized at the sole option of the homeowner or property owner. This is known as cross collatoralization or "Cross Collatorizing" a loan. It is an effective tool that will allow a lender to finance a larger loan amount, that may be used to either buy down the payment, or create a subsidy account to lower the hard money mortgage loan payments for a specific period of time. For an additional $24,000.0 loan, two thousand dollars may be reduced from the hard money mortgage loan payment for a period of up to one year. The reduction of payment along with other financing tequniques, such as the "interest only" hard money or bridge loan option, can vastly minimize monthly payments to a borrower.

Eastland Mortgage has been offering unique and prompt solutions for hard money mortgage loan financing since 1992. All hard money loan programs are not the same. Commercial hard money, private hard money lenders for commercial mortgage financing, may have different terms based on property type, and use. Long Term thirty year mortgage options are available for residential hard money. Interest reduction for timely payments may be offered after one year. Refinancing a hard money mortgage loan may be more cost effective once credit rating, mortgage payment history, clear title have been restored.

Hard money or bridge financing in California may not be identical to Hard Money Financing in other States.

Commercial hard money apppraisals in and around major cities have been shown to have a lower than average capitalization rate or return on investment for the commercial property owner. Additional collatoral, lower loan to value, or additional rental/leasing information may be required to obtain maximum financing. Private commercial hard money options for high loan to value properties with low capitalization rates (cap rate) may be offered.


New York properties requiring bridge financing, condominium conversions, emergency financing, or hard money for foreclosure avoidance may be approved rapidly. The fastest emergency mortgage approval has been in 15 minutes, and closing and funding in one business day. That is not typical, but is possible for fast hard money bridge financing. For rapid closing of a hard money mortgage, keep important payoff information on hand and available. Title insurance in and around New York City or the five borroughs may be completed in some cases in one business day. Contact a senior loan officer to determine the time needed to approve and fund a hard money loan in New York.



Luxury Estate & Luxury Home Hard Money or Bridge Loans

Up to 20,000,000 fast bridge financing on luxury property to 70 LTV for prime property. Fast answers and immediate hard money closing and funding. Two appraisals not neccessary. Broker opinion of value letter considered with an older appraisal.