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Hard Money Lenders Utah
Fund your Utah real estate deal in days
Frustrated by slow banks? Our hard money loans focus on your deal’s equity, so you get the fast capital you need to secure your next investment. We are primarily designed to help borrowers who have equity in real estate but cannot qualify for conventional bank financing.
Hard money loans for Utah borrowers
At Hopkins Financial Services, we provide hard money loans for a wide range of real estate investment projects. Our private money solutions are designed to help borrowers secure financing for properties that traditional lenders and banks consider too complex or unconventional.
Owner-Occupied Residential Loans (Idaho only)
Owner-Occupied Residential Loans (Idaho only)
Hard money loans for single-family homes, condos, townhomes, and 1-4 unit multi-family investment properties.
Commercial or Residential Investment Loans
We offer funding for commercial properties, including office buildings, retail spaces, warehouses, and mixed-use properties.
Construction or Development Loans
We provide financing for land acquisitions and construction projects, helping you secure capital to build from the ground up.
Bridge Loans
We help bridge the gap in real estate transactions, allowing you to move forward on a new investment property before selling an existing one.
Our other real estate services
Aside from our hard money lending, Hopkins Financial Services offers a suite of comprehensive services to support your entire real estate investment journey. These services are:
The Hopkins advantage over banks
Here’s how our hard money lending process stacks up against the banks.
| Feature | Traditional banks | Hopkins Financial Services |
|---|---|---|
| Closing speed | 45–90 days | Seven to thirty days |
| Credit check | Strict minimum score | No minimum score |
| Property types | Standard only | Complex and unconventional |
| Decision basis | Your history | Your deal's equity |
Our simple funding process
We’ve streamlined our process to eliminate the uncertainty and delays of traditional lending. Getting the funding you need is straightforward and transparent.
Reach out for guidance
Why Utah borrowers choose Hopkins Financial Services
In real estate investing, your lender can make or break your success. For decades, borrowers have trusted Hopkins Financial Services to provide the financing they need to thrive. Here’s why:
Insights to sharpen your investment edge
Stay ahead of the curve with our expert guides on investing in the Utah real estate market. We’re committed to your long-term success, starting with the right knowledge.
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Frequently asked questions
What are hard money loans?
Hard money loans are asset-based loans from private lenders that focus on the value of your real estate investment rather than your credit score. This focus allows for faster approvals and closings, making them ideal for borrowers looking to close quickly.
How fast can I close loans with Hopkins Financial Services?
Hopkins Financial Services can close loans in less than a week to 30 days , significantly faster than traditional lenders. Our speed helps borrowers secure competitive Utah real estate deals without the typical delays of banks.
Do I need income verification or tax returns to qualify?
Unlike traditional mortgage brokers or banks, many hard money lenders in Utah, including Hopkins Financial Services, do not require extensive income verification or tax returns. Approval is primarily based on the property’s value and the borrower’s exit strategy.
Can I use a hard money loan to refinance or purchase investment properties?
Yes, hard money loans can be used for various purposes, including purchasing, refinancing, or renovating investment properties such as fix-and-flips, multi-family units, and commercial real estate.
Why should I choose a private money lender over a traditional bank?
Private money lenders offer more flexibility, faster closings, and a focus on the property’s equity rather than strict credit requirements. These advantages make them the preferred choice for borrowers in competitive markets like Salt Lake City and Park City, where they need to move quickly to secure funding.
Ready to fund your next Utah deal?
Don’t let a lack of funding or slow bank processes stop you from making a profitable real estate investment. Get a clear, fast answer on your loan today and close with confidence.