When it comes to investing in the world of finance, it’s easy to get caught up in a bad deal if you don’t know where to invest your money or place your trust. Hard money brokers can alleviate some of your worries and protect your decision-making by ensuring your hard money loan broker is trustworthy and reputable. Titan Funding can make the entire hard money lending process easy for you to understand. Arm yourself with this knowledge before using our hard money brokers for your next project. Simply put, hard money refers to a certain type of short-term loan that is secured by real property. The property can be all types, including a single-family residence, multifamily home, commercial property, or even a piece of land. Unlike other loans that come from commercial banks, mortgage companies, credit unions, or other traditional lenders, private investors authorize hard money loans. You might seek out a hard money loan when you need financing but it’s not yet available. Hard money brokers at Titan Funding protect and ensure that your hard money comes from a reputable company or companies. Since hard money loans are usually sought out for making real estate investments or flipping houses, it’s vital to avoid bad loans as the profit margins are already small in these fields. Our banking professionals consist of CEOs, entrepreneurs, and investment professionals to help you meet your capital needs. Because of our many years of working in the business, we have fostered strong relationships with various funding sources. That way, we can solve complex capital requests by using both internal and third-party resources. Also, we can internally underwrite and evaluate most hard money loan requests. At Titan Funding, we offer a short-term bridge loan. Once you purchase residential property, you may need time to improve the residence, place tenants in it, or sell the property. A bridge loan, also known as a hard money loan, can give you the funds you need to hire a real estate professional, investor, or contractor to purchase, build, fix, or flip property. For instance, you might need a bridge loan to purchase another property if your primary residence is on the market to be sold. This short-term loan is typically used to finance the acquisition of a property until you can secure more permanent financing. If you own a piece of property free and clear or have substantial equity in the residence, you can use this as your collateral for the loan. When you use Titan Funding to secure a hard money loan, you can rest assured that we will keep you informed every step of the way. We work directly with you to secure the loan for your Florida location, although we do authorize loans in other states on a case-by-case basis. Other benefits to using us as your reputable hard money broker include the following: Both corporations and individuals can take advantage of hard money loans through Titan Funding. One of the more popular reasons for going with this type of loan is the speed at which you can acquire the funds. Other types of financing may take weeks to be approved and then it takes some time for processing. With us, you can expect a decision within 48 hours and obtain your loan in as fast as four days. The amount of money you can secure through Titan Funding ranges from $100,000 to $5 million, and it all depends upon how much of your property you want to back up your loan as well as how much money you want to finance. When you’re attempting to increase your portfolio, this increase in liquid funding can boost your numbers. Hard money loans usually only last 12 months, although you can have them last as long as three years. You also receive a constant interest rate on your loan rather than a variable one found with an institutional loan, so you know exactly how much you owe and how much each month’s payment is. When you start paying off your loan, you make interest-only payments for the short-loan lifespan. Our underwriting standards are based almost solely on the overall value of the real estate. The loan decision is less about credit scores and more on the property value. We do this because we know the real estate acquisition is a bigger deal than the credit scores and can back up your loan with a physical asset. We also know that if we offer you outstanding service, you will pass that along to your clients. By using the loan-to-value (LTV) ratio, we assess the risk of a potential loan. To determine the LTV, take the desired loan value and divide it by the current appraised value of the property. Loans must have an LTV ratio of no more than 60% for you to qualify for one of our private loans. You can discuss your LTV with one of the professionals that make up our stellar team to make sure a hard money loan is a solid choice in your situation. Both borrowers and investors can take advantage of the knowledgeable private money brokers at Titan Funding. As a private money lender in South Florida, we provide outstanding service, expertise, and knowledge needed to quickly and efficiently secure nontraditional residential and commercial mortgages. Our team of passionate banking professionals has decades of experience and strives to help both businesses and individuals with nearly every type of commercial and residential loan. Contact us today for more information about how our hard money brokers can help you attain your financial goals and take that next step in your financial plan.What Is a Hard Money Loan?
What Does a Hard Money Broker Do?
Types of Private Lending Products Available
Advantages of Using a Titan Funding Private Loan
The Bottom Line
Frequently Asked Questions - FAQ
TL;DR: Titan Funding’s hard‑money brokers arrange short‑term loans secured by real estate. The firm bases lending decisions mostly on property value rather than the borrower’s credit and offers decisions within about 48 hours and funding in as little as four days for loans between $100 000 and $5 million. Borrowers repay interest‑only at a fixed rate for terms generally ranging from 12 months to three years.
What is private money lending?
Private money lending refers to financing provided by individuals or non‑bank entities for real‑estate investments. These loans are asset‑based rather than credit‑based and usually have short terms with higher interest rates compared with traditional bank loans.
How do I qualify for a real‑estate investment loan through Titan Funding?
Titan Funding evaluates the property’s value and the loan‑to‑value ratio rather than focusing on credit scores. Maintaining an LTV around 60 % and providing a clear plan for the investment increases your chances of approval.
What documents are needed for hard‑money loans?
Documentation typically includes proof of property ownership or purchase contracts, appraisals, and, for construction loans, detailed plans and budgets. Because underwriting is asset‑based, credit documentation is less critical than in conventional lending.
How quickly can I get funded for a property in Florida?
Titan Funding’s underwriting process usually takes about 48 hours, and approved borrowers can receive funds within four days for hard‑money, rental or bridge loans. Some commercial bridge loans provide funding in as little as 10 days.
Does Titan Funding lend to foreign nationals?
Yes. Titan Funding offers hard‑money programs for non‑U.S. citizens seeking to buy or refinance property in South Florida, using asset‑based underwriting to bypass conventional loan barriers.
What types of loans does Titan Funding offer?
The company provides various short‑ and long‑term real‑estate loans, including hard‑money and bridge loans, residential and commercial bridge loans, multifamily financing, fix‑and‑flip loans, rental property loans, ground‑up construction loans, bridge‑to‑permanent loans and cash‑out refinance options.
How does LTV work in real‑estate loans?
Loan‑to‑value ratio is calculated by dividing the loan amount by the appraised value of the property. Lenders, including Titan Funding, set maximum LTV thresholds (often around 60 % for hard‑money loans) to manage risk.
Which states does Titan Funding serve?
Titan Funding primarily serves Florida but may authorize loans in other states on a case‑by‑case basis. Applicants can discuss their specific property and location with the company’s professionals.
How do I calculate return on investment (ROI) for fix‑and‑flip projects?
ROI is determined by subtracting total costs (purchase price, renovation expenses, loan interest and fees) from the final sale price, then dividing the result by total costs. Titan Funding’s guide on calculating fix‑and‑flip ROI emphasizes factoring in loan terms and interest to evaluate profitability.
What are the risks of hard‑money loans?
Hard‑money loans carry higher interest rates (often 10 %–15 %) and points compared with traditional financing. They are short term, so borrowers need a clear exit strategy and must account for appraisal and origination fees in their budgets.
What is a hard money loan and who authorizes them?
Hard‑money loans are short‑term loans backed by a physical asset such as a single‑family home, multifamily building or land. Unlike traditional bank loans, these loans are funded by private investors rather than institutions and are often used when conventional financing is unavailable.
What role do Titan Funding’s hard‑money brokers play?
Titan Funding’s brokers help borrowers identify reputable lenders, ensuring funds come from trusted private investors. They underwrite and evaluate most requests internally and use established relationships to solve complex capital needs.
What advantages does Titan Funding offer to hard‑money borrowers?
Borrowers receive loan decisions within about 48 hours and can access funds in as little as four days. The loans range from $100 000 to $5 million, carry fixed, interest‑only payments and are available to corporations and individuals with repayment terms typically between one and three years.
How does Titan Funding evaluate hard‑money loan applications?
Underwriting is based primarily on the property’s value rather than the borrower’s credit score. Loans must have a loan‑to‑value (LTV) ratio of no more than 60 %, and applicants discuss their LTV with a Titan professional to determine eligibility.
How long do hard‑money loans last and how are payments structured?
These loans typically last around 12 months but can extend up to three years. Borrowers make fixed, interest‑only payments during the term, which helps them budget without worrying about variable monthly obligations.
Do Titan Funding’s hard‑money brokers lend outside Florida?
Although the company focuses on Florida properties, it can authorize loans in other states on a case‑by‑case basis. The decision is still based on property equity and the project’s viability rather than the borrower’s location or credit score.