We don't fit you in a loan..We custom design the loan to fit you!

BENEFITS OF CHOOSING CREATIVE HOME LOANS

Expertise You Can Trust

With decades of experience in hard money lending, we understand the intricacies of real estate investing. We’re not just lenders—we’re partners in your success. We know how to evaluate deals quickly and efficiently, giving you the edge in a competitive market.

Quick Closings

Time is money, especially in real estate. We pride ourselves on fast approvals and even faster closings, so you can lock in deals that others miss due to slow-moving traditional lenders.

Flexible and Customizable

No two real estate deals are the same, which is why we offer custom loan structures tailored to your specific project. Whether it’s an interest-only payment plan or a loan term that fits your timeline, we work with you to create the best solution.

We Do the Deals Others Can’t

While traditional lenders may shy away from unique or high-risk deals, we thrive on them. We focus on the value of your investment, not just your credit score or income. If the deal makes sense, we can help make it happen.

Testimonials

"I was nervous about missing out on my first fix-and-flip deal because traditional lenders were dragging their feet. But Patrick came through fast. I got the loan in just 7 days, which allowed me to secure the property and start renovations immediately. Their flexible terms meant I could make interest-only payments, so my cash flow stayed intact. I flipped the house in no time and am now working on my next project with them!"
Sarah M.
Phoenix, AZ
"Expanding my rental portfolio was becoming a challenge because banks didn’t want to deal with my existing mortgage load. Patricks lenders didn’t hesitate—they offered me a 75% LTV loan with interest-only payments. The process was quick and straightforward, letting me close on my multi-family property fast. Now, I’m generating positive cash flow and already planning my next investment with their help!"
John R.
Dallas, TX
"I needed fast capital for a new construction project, but the red tape with banks was delaying everything. Patrick got me approved in just 10 days—no credit pull needed—and I was able to break ground without losing my contractors. The process was seamless, and I ended up selling both units at a great profit. Couldn’t have done it without them!"
Emily J.
Miami, FL

Why Our Team Stands Out

Our team’s combined expertise and commitment to excellence set us apart in the hard money industry. We take pride in our ability to offer exclusive, non-nationally advertised programs and tailored solutions that other lenders simply can’t match. When you work with us, you’re partnering with a team that is dedicated to your success every step of the way.

recent loans

$4.3M Bank Statement Deal with Low Expense Ratio

We can accept a letter from a CPA, tax preparer, or enrolled agent to lower your clients’ expense ratio, maximizing their qualifying income.

Loan Details:

  • Location: Miami Beach, FL
  • Loan Program: P&L Only Program
  • Loan Amount: $4,295,000
  • Transaction Type: Cash-Out Refinance
  • Property Type: SFR
  • Loan Term: 7/6 ARM Interest-Only
Bank Statement 2nd for an Investment Property

No tax returns needed on this standalone 2nd! This property was worth $4.4MM with a $2.25MM 1st mortgage.

Loan Details:

  • Location: Park City, UT
  • Property: SFR Investment
  • Loan Amount: $390,000
  • Transaction Type: Cash-Out
  • CLTV: 60
  • Loan Term: 30-yr Fixed
No Ratio Loan Closed in 15 Business Days

This borrower is an experienced investor with multiple properties who was looking to access the equity from one of his homes to reinvest and upgrade his portfolio of real estate.

Loan Details:

  • Location: San Diego, CA
  • Loan Program: No Ratio DSCR
  • Loan Amount: $519K
  • Transaction Type: Cash-Out Refinance
  • Property Type: SFR
  • Occupancy: Investment Property
  • LTV: 44%
  • Credit Score: 677
  • Loan Term: 30-yr Fixed

Why Work With Us

We provide fast and flexible hard money loans designed for real estate investors who need quick financing without the red tape of traditional lenders. With closings in as little as 48 hours, custom loan terms, and the most aggressive loan-to-value (LTV) you will find, our process ensures you maximize leverage while freeing up your capital. Whether you’re fixing and flipping or investing in rental properties, we offer tailored solutions with no credit pull. Our nationwide reach and expert team ensure your project succeeds from start to finish—choose us for reliable, efficient funding that works for you.

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