Frequently Asked Questions
Answers to common questions about our lending programs and investment financing.
What is a hard money loan?
A hard money loan is a short-term real estate loan primarily based on the property’s value rather than traditional lending requirements. These loans help investors close quickly on time-sensitive investment opportunities.
How quickly can I get funded?
Many loans are approved within 24–48 hours, with funding often available within just a few business days after underwriting and closing.
Do I need perfect credit?
No. While credit history is considered, we focus on the strength of the investment, your experience, and your exit strategy.
What types of properties do you finance?
- Residential Investment Properties
- Fix & Flip Projects
- Rental Properties
- New Construction
- Select Commercial Real Estate
Who can apply?
We work with:
- First-Time Investors
- Experienced Investors
- LLCs
- Partnerships
- Business Entities
What is the maximum loan amount?
Loan amounts vary based on the property’s value, project scope, and investment strategy. Contact Greenwood & Archer Lending for a customized financing solution.
What documents are required?
- Purchase Contract
- Property Information
- Renovation Budget (if applicable)
- Entity Documents (LLC)
- Exit Strategy
- Additional supporting documents as requested
Are there prepayment penalties?
Loan terms vary by program. Your lending specialist will explain all fees, repayment terms, and any applicable prepayment provisions before closing.
Can you finance renovation costs?
Yes. Many of our loan programs finance both the purchase price and approved renovation costs, allowing investors to complete projects with one financing solution.
How do I get started?
- Complete our online application.
- Speak with one of our lending specialists.
- Submit your property information.
- Receive a customized financing solution.
- Close quickly and fund your investment.
Still Have Questions?
Our lending specialists are ready to help you finance your next investment property with fast approvals, flexible underwriting, and exceptional service.
