Loan Products
48 hour closes
100% of rehab financed
No Minimum FICO
Fix & Flips | Rental Bridges | Refinance | LAND
We offer the fastest closings on short-term residential loans. Our hard money loans come direct from Longleaf Lending – we’ll never broker your loan. We also service your loan in-house, providing you a better experience.
There is no minimum credit score and our interest rates start at 12%.
Apply today and get pre-approved. We offer Proof of Funds letters to help strengthen your next offer.
Funding Guidelines
| Loan Value: | $75,000-$750,000 |
| LTV: | Up to 70% ARV |
| LTC: | Up to 95% |
| Interest Rate: | Starting at 12.5% |
| Points | 2.5 - 3.5 |
| Term: | 6-12 months |
| Closing Time: | As fast as 48 hours |
| Rehab: | 100% financed |
| FICO: | No minimum |
expert flip
Lower interest rate hard money product for experienced investors
If you qualify as an experienced real estate investor, we can offer you some of the lowest interest rates available for hard money products – rates starting at 12%.
Our Expert Flip program is designed for professional investors that want to scale their business and don’t want to work with national, lower cost lenders.
You still get the same fast closes, no junk fees, and simple process Longleaf Lending is known for.
Program features:
- Rates start at 12%
- Up to 75% LTV
- 100% LTC
- Longer term available (up to 18 months)
- 680 minimum credit score
Funding Guidelines
| Loan Value: | $75,000-$1,000,000 |
| LTV: | Up to 75% ARV |
| LTC: | Up to 100% |
| Interest Rate: | 12-13% (interest only) |
| Points | 2-3 |
| Term: | 6-18 months |
| Closing Time: | As fast as 48 hours |
| Rehab: | 100% financed |
| FICO: | 680 minimum |
Low hard money rates
48 hour closes
680 Minimum FICO
Low hard money rates
2 week closes
660 Minimum FICO
ground up
financing for ground up new construction projects
Don’t wait months for traditional lender approval on a ground up new construction loan. Instead get financing in a matter of days from Longleaf Lending’s Ground Up loan product.
Available for single-family residential, townhomes, and also for 2-4 unit development.
Non-dutch interest is allowed – meaning you are only charged interest on the portion of your loan that is drawn.
Funding Guidelines
| Loan Value: | $150,000-$3,500,000 |
| LTV: | Up to 70% ARV |
| LTC: | Up to 85% |
| Interest Rate: | 12-13% |
| Points | 1-3 |
| Term: | 6-12 months |
| Closing Time: | As fast as 2 weeks |
| Rehab: | 100% financed |
| FICO: | 660 minimum |
long term financing for investors seeking long or short-term rental cash flow
Rates starting at 7.5%.
We offer a solution for investors seeking to build wealth from a portfolio of cash flowing rental properties. Our 30-year fixed rate allows you take advantage of the current market and lock in lower rates for the long term.
Similar our Fix and Flip products, there is no income verification that would be required with conventional mortgage financing. We are focused on the cash flow potential of your project.
This product is available for both short-term rentals (vacation rentals) and long-term leases.
Funding Guidelines
| Rental type: | Short (vacation rental) or long-term |
| Loan Value: | $75,000-$2,000,000 |
| LTV: | Up to 80% (as is) |
| Interest Rate: | Starting at 7.5% |
| Points: | 2-3 |
| Term: | 30 year fixed; adjustable options |
| Closing Time: | As fast as 2 weeks |
| FICO: | 600 minimum |
Lock in Low Rates
Up to 80% LTV
1-4 family units
5-30 units
Up to 2 year terms
interest only, value add
MULTI-FAMILY
multi-family bridge loans for 5-30 unit value add opportunities
We now offer financing for investors seeking to pursue value-add opportunities in multi-family properties.
Our Multi Family bridge product is available for up to 30 units.
Low hard money rates starting at 10% and terms up to 24 months are available.
Funding Guidelines
| Loan Value: | $250,000-$10,000,000 |
| LTV: | Up to 70% ARV |
| LTC: | Up to 85% |
| Interest Rate: | 10-12% (interest only) |
| Points | 1-3 |
| Term: | 6-24 months |
| Closing Time: | As fast as 2 weeks |
| Rehab: | 100% financed |
| FICO: | 660 minimum |
