Program Guidelines
Private Mortgage Financing Partners provides short-term private mortgage financing, also known as hard money loans, nationwide, secured by investment and commercial real estate. Our loans range from $400,000 to $5,000,000 for acquisition, refinance, rehabilitation, and equity cash out. In judicial foreclosure states, our minimum loan amount is $800,000.
No Credit Check
A true asset-based lender. No credit check or detailed application forms required — decisions are based on the property value.
No Upfront Fees
No application fee or due diligence fees due upfront. You only pay when the deal closes.
Fast Close — 48 Hours
When time is critical, we can close in as fast as 48 hours. Preliminary decisions within 24 hours.
Funded When Banks Say No
We lend when institutional or conventional loans are too slow or unavailable.
Loan Pricing
Straightforward pricing with no hidden fees. Interest rates start at 13% with loan points of 3-4%.
Maturity
1 to 5 years
Amortization
Interest only or 25 years
Interest Rate
13%
Prepayment Penalty
0% to 2%
Loan Points
3% - 4%
Loan to Value
Up to 65%
Property Types: Commercial, Multi-Family, Industrial, Retail, Hospitality, Medical, Self Storage, and more. Single family is available for experienced investors. Raw land is lent at 25-30% LTV. Every loan is backed by an MAI appraisal to confirm property value.
From Application to Funding
Submit Application
Fill out our simple online application with basic property information. No credit check required.
24-Hour Review
We contact you within 24 hours. Preliminary decision made within 24 hours of receiving your information.
Letter of Interest
Approved loans receive a Letter of Interest outlining all terms, rates, and conditions.
Appraisal & Due Diligence
MAI appraisal ordered. Title report and survey reviewed. Loan presented to pre-approved investors.
Close & Fund
Closing and funding at local title company. We can close in as fast as 48 hours.
Types of Commercial Financing
Hard money is our core program. Here is how it compares to the other routes commercial borrowers weigh, written up by our managing partners.
Commercial Hard Money
Short-term, asset-based financing where the property is the focus, not the borrower’s credit. This is PMF Partners’ core program.
Commercial Bridge Loans
Used to bridge the gap until long-term financing can be secured. Typically six months to two years, often interest-only with a balloon payment at the end.
Private Mortgage Loans
Made by private lenders instead of banks or government agencies, offering a short-term financing alternative when conventional sources will not move.
Conduit / CMBS Loans
Commercial mortgages pooled and sold to investors on a secondary market. Longer five to ten year terms with 20 to 30 year amortization and a balloon.
SBA 7(a) Loans
The Small Business Administration’s flagship loan, used to purchase land or buildings, construct new property, or renovate existing space.
Traditional Commercial Mortgage
The conventional bank route for office, industrial, multi-family, and other commercial properties, when the deal and the timeline allow for it.
Invest in Trust Deeds
Earn attractive returns secured by real property. Our opportunities offer 10-14% yields on loans with LTV below 65%, backed by MAI appraisals, title insurance, and surveys. Minimum investment is $50,000, and you can invest through self-directed retirement funds.
High Yields
Earn 10-14% returns on trust deeds secured by real property with LTV below 65%.
Asset Backed
Every loan has an MAI appraisal, title insurance, and survey. Real collateral, real security.
Monthly Income
Receive monthly interest payments via ACH, less a 1% annual servicing fee.
Legal Protection
Each loan is owned by a separate series of a Texas Series LLC, isolating your investment.
Ready to talk through a deal?
Borrowers, investors, and brokers all start here. No application fee and no credit pull to get a preliminary read.
Questions first? Read the Hard Money Loan FAQ.
Rates, points, and terms shown here are estimates based on information available at the time and are subject to full underwriting, verification of information, market conditions, and property-specific risk factors. No quote, estimate, or Letter of Interest is a commitment to lend. Final pricing for your loan is set in the loan documents. PMF Partners is a true direct lender, not a broker or intermediary; loans are made by Private Mortgage Investments, LLC. We originate loans for business, commercial, and investment purposes only, secured by non-owner-occupied real estate, and do not make consumer-purpose loans.
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