News
We Think Outside the Box – Private Money Loans for Unconventional Real Estate Situations
Hopkins Financial | Creative Real Estate Lending Since 1984 We don’t live in a box—because we don’t think like a bank. At Hopkins Financial, we specialize in private money real estate loans for properties and borrowers that don’t meet traditional guidelines.…Read more
Land Loans Demystified: How to Finance Dirt When Banks Won’t Touch It
Buying or owning land can be one of the most strategic real estate moves you make—if you can get financing. But that’s the catch. Whether it’s raw land, agricultural acreage, development property, or an oddly zoned parcel, traditional lenders don’t…Read more
Creative Cross-Collateralization: Using What You Own to Get What You Want
How Real Estate Investors Leverage Equity in Existing Properties to Unlock New Opportunities When traditional banks say no, real estate investors turn to private lenders for creative solutions — and one of the most powerful, underutilized tools in the private…Read more
When Timing Is Everything: How Hopkins Funded a $5M Car Wash Acquisition for Bankable Borrowers
A Real-World Example of How Hard Money, When Used Strategically, Can Be the Smartest Move At Hopkins Financial Services, we often help borrowers who don’t qualify for traditional bank financing — due to timing, property type, or credit issues. But…Read more
Why Construction Loans Are Hard to Find—And How Hopkins Financial Can Help
If you’ve ever tried to secure a construction loan through a traditional bank, you already know the frustration: lenders are eager to finance the finished product, but few are willing to take the risk on the build itself. That’s where Hopkins…Read more
What Is a True Bridge Loan—And When Do You Actually Need One?
Understanding how short-term real estate loans can unlock big opportunities In the world of real estate, timing doesn’t always line up perfectly. Maybe you’ve found your dream home—but your current home hasn’t sold yet. Or you need to act fast…Read more
Financing Non-Conforming Properties: What Banks Won’t Touch—But We Will
In the world of real estate, not all properties are created equal. While traditional banks prefer cookie-cutter homes in suburban neighborhoods, many borrowers find themselves shut out of financing simply because their property doesn’t fit the mold. That’s where Hopkins Financial…Read more
🏡 Why Hard Money Lending Is Booming in 2025 — And What It Means for Boise Real Estate
As we head into summer 2025, one thing is clear in the world of real estate investing: hard money mortgages are having a moment. With traditional lenders tightening their standards and 30-year fixed mortgage rates hovering around 7%, investors are seeking…Read more
