Direct Private Money Loans for Real Estate


Top Hard Money Loans is one of the most experienced direct hard money lenders with over 40 years of hard money lending experience. We provide hard money loans Nationwide for real estate investors and property owners through asset-based lending for various real estate projects and transactions including single-family residential, multi-family residential and commercial.

Nationwide real estate investors rely on Top Hard Money Loans for fast approvals and funding, competitive rates and fees, flexible lending criteria and excellent service. Hard money loans for investment property can be funded within 5 to 10 days. We provide both 1st and 2nd hard money loans and lend to numerous types of borrowers including individuals, entities (LLCs, partnerships, corporations), trusts and estates. Contact Top Hard Money Loans now for a free consultation.


Our Financing Is Fast, Flexible And Structured Around Each Individual Client. Call Today!


A bridge loan is interim financing for an individual or business until permanent financing or the next stage of financing is obtained. Money from the new financing is generally used to "take out" the bridge loan, as well as other capitalization needs.

alization needs.

Probate &
Estate Loans

A probate loan is a loan taken out against a future inheritance through the use of a hard money lender. Probate loans result in monthly repayments while probate continues to process, and the lender earns money through interest. Probate loans can also be called Estate loans or inheritance loans. alization needs.

Cash Out &
Refinance Loans

Cash-out refinancing replaces your current home loan with a bigger mortgage, allowing you to take advantage of the equity you’ve built up in your home and access the difference between the two mortgages in cash. The cash can go toward virtually any purpose, such as home remodeling, consolidating high-interest debt or other financial goals

Fix and Flip

Fix-and-flip loans are short-term loans used by real estate investors to purchase and improve a property to then sell for a profit. These improvements range from minor renovations to a complete reconstruction of an existing home alization needs.

Investment &
Property Loans

An investment property loan is money you borrow to buy or build a property that has the potential to produce income for you by leasing the space out to a tenant, or by re-selling it after you increase its value. Investment property loans include construction, purchase, and rehab.

Owner Occupied Hard
Money Lenders

Owner occupied hard money loans to purchase or refinance is a niche loan program not offered by all lenders. The benefit is that you now have access to money even though you can't qualify through a bank or institutional lender. Owner occupied is when the borrower resides in the subject property.


We’ll show you your credit score, suggest ways to improve it, and stay on the lookout for savings—if we find anything that can beat your current loan terms and cut your monthly payments by lowering your Interest rate, we’ll let you know!