Exceptional support: You get a direct line to decision-makers, no getting passed around a call center, just clear answers and fast action from a professional team.
HARD MONEY LENDERS WASHINGTON STATE
Get secure funding in days, not months
We help borrowers who have equity in real estate but, for whatever reason, cannot qualify for conventional bank financing. Our streamlined process provides the capital you need to secure your opportunity and maximize your ROI.
Your ideal lending partner
As a dedicated lending partner for borrowers and real estate investors, Hopkins Financial offers a variety of hard money loans and private money loans to help you secure your next profitable investment. With a professional team that understands the Washington State market, we provide the financing you need to succeed. Our offerings include:
Our most common loan products include:
Owner-Occupied Residential Loans (Idaho only)
We provide financing assistance to help you purchase or refinance a residential property you plan to live in.
Commercial or Residential Investment Loans
We offer loans for the purchase of investment properties or commercial buildings.
Construction or Development Loans
We’ll help your new construction, reconstruction, or rehabilitation projects.
Bridge Loans
Short-term loans to bridge the gap between selling one property and acquiring another.
Additional loan products
In addition to our hard money loans and private money loans, we also offer a range of specialized services and opportunities for Washington borrowers and lenders, including:
Experience personalized service big lenders can't match
Our clients choose us for our unparalleled service and expertise. Here’s what you can expect when you partner with us:
Get funded in 3 simple steps
Our approval process is designed for one thing: speed. We cut the red tape so you can get your funding and get to work. Just follow these steps:
Apply now
Transparent hard money loan terms
Transparency builds trust, and that starts with clear terms. Here’s a look at our typical terms for private money loans in Washington State.
| Loan feature | Typical terms |
|---|---|
| Interest rates | Starting at 8–15% |
| Loan-to-value (LTV) | Up to 80% of purchase price |
| Loan term | 6 months to 30 years |
| Approval time | Typically within 24–48 hours |
Insights for Washington borrowers
Government Shutdown 2025: What It Means for Mortgages — and Why Private Lending Through Hopkins Financial Services Isn’t Affected
As of October 1, 2025, the U.S. federal government is officially in a shutdown — leaving many borrowers, real estate professionals, and lenders…Read more
Late-Summer Rate Dip Sparks Market Movement — But Private Lending Still Has a Vital Role
Mortgage rates may have edged up last week, but their steady slide over the summer had a powerful effect: buyers are…Read more
Frequently asked questions
Are there any prepayment penalties with hard money loans in Washington State?
It depends. Most short-term loans don’t have prepayment penalties, but longer-term loans (20–30 years) may include one for the first few years. The good news is that we offer flexible loan options, so talk to your loan professional to find the best fit for your needs.
How does a private money lender differ from a traditional bank?
A private money lender offers flexible financing solutions with faster approval processes and fewer income documentation requirements. This makes them a preferred lending partner for borrowers seeking quick funding without hidden fees.
Can I get a construction loan from a hard money lender?
Yes, many hard money lenders in Washington State provide construction loans to fund new construction or rehab projects. These loans help borrowers manage their project budgets while ensuring steady cash flow throughout the building process.
What is the typical approval process for hard money loans?
The approval process is streamlined and efficient, often providing a term sheet within 24–48 hours. Because the focus is on the real estate investment‘s value, borrowers can close deals in as little as seven to thirty days, without the lengthy paperwork required by conventional lenders.
Can I refinance an investment property using private money loans?
Absolutely. Private money loans can be used to refinance investment properties, providing Washington borrowers with flexible options to improve cash flow, fund new projects, or consolidate existing debt with competitive terms.
Ready to fund your next Washington deal?
Don’t let financing be a bottleneck. Let’s discuss your project today and get you a funding quote within 24 hours. Our team of real estate finance experts is ready to help you secure your next profitable investment.