When opportunity knocks in real estate, it often doesn’t wait around. Sometimes the best deals aren’t the ones that hit the open market—they’re the ones that come with a tight timeline and a motivated seller. In those moments, traditional lenders simply can’t keep up.
That’s where private lending comes in—and where Hopkins Financial Services shines.
We specialize in fast, asset-based loans that allow real estate investors, homeowners, and developers to move quickly when it counts. When banks need 60–90 days to process a loan, we can close in as little as 7–14 business days.
When Timing Is Everything
Fast closings can be the difference between closing a deal and losing it. We regularly fund loans tied to:
- Off-market acquisitions
- Bridge financing for a buy-before-you-sell scenario
- Expiring purchase options
- 1031 exchange deadlines
- Competitive investment opportunities
- Quick cash-out needs for time-sensitive purchases
Unlike banks that base their decision primarily on income, tax returns, or perfect credit, Hopkins focuses on the property, the equity, and the strategy. If it’s a good deal, we’ll move fast to fund it.
Real Story: The Neighbor Deal That Needed Speed
One recent borrower came to us with excellent credit and a great reputation—but what he didn’t have was time.
His neighbor, an elderly woman living on a large, well-maintained property next door, was preparing to move into a retirement community. She no longer had the ability to maintain the acreage and the home, and though she hadn’t listed the property yet, she was considering selling.
Seeing an opportunity to acquire the land next door before it hit the market, our client approached her directly with a fair—but below-market—offer. She was willing to sell under one condition: he needed to close fast. She didn’t want to wait months. She needed her cash in just a couple of weeks.
Traditional lenders told the borrower they couldn’t close in less than 45–60 days. That timeline would have killed the deal—and the seller’s trust. So he turned to Hopkins Financial.
We evaluated the property, structured a bridge loan using the asset itself as collateral, and moved quickly. Within two weeks, the deal was funded, and both parties walked away happy:
- The seller got the quick closing she needed
- The borrower secured a valuable property next door at a great price
- The deal stayed off-market and stress-free
This is the kind of win-win scenario that only private lending can deliver.
What You Need to Move Quickly
If you’ve got a time-sensitive real estate opportunity, preparation is key. Here’s how to fast-track your private loan:
- Know the numbers:Purchase price, payoff amount, equity position
- Provide basic documentation quickly:Title report, purchase contract, property details
- Offer collateral:Either the subject property or other real estate assets
- Explain your plan:What’s your exit strategy? Refinance, resale, or long-term hold?
We just need a solid deal and a borrower who’s ready to move.
Why Hopkins?
Since 1984, Hopkins Financial has funded over $1 billion in real estate loans across Idaho and the U.S. Our clients include:
- Real estate investors
- Developers
- Small business owners
- Retirees and high-net-worth individuals
- First-time hard money borrowers
Whether you’re buying your neighbor’s land, racing the clock on a 1031 exchange, or need quick capital to seize an investment, we deliver fast, flexible financing with no prepayment penalties and no runaround.
Ready to Move Fast?
Speed is a competitive advantage—and in today’s market, waiting for a bank can cost you the deal. If you have equity and a plan, we have the private capital to help you move forward.
Contact Hopkins Financial Services today and let us help you close the deal—on your timeline.
