Capital ready when you are.

Easy to access, robust backing allowing you to jump on deals as you find them and grow your business your way.

Low Rates, Minimal Costs

Maximize your ROI with no application fee, low origination points, and high leverage. Interest rates for bridge loans as low as 6.5% and for rentals as low as 4.25%.

We're All About Speed

We leverage our technology to cut out unnecessary approval steps, move quickly and fund your projects in as few as 5 days. We bring new efficiencies to real estate financing.

Ultimate in Flexibility

Forget the red tape, our expert team focuses on you to support your individual needs & strategies. We know that each investor's situation is different and work hard to make your deal happen.

Quick approval, fund and repeat.

In real estate investing, time is always of the essence. We're your source for reliable capital, when you need it and without all the typical hassles. Learn more about our PRO programs.

Rates as low as 6.50%1

Closing fees as low as $999

Close in as few as 5 days

Borrow up to $3 million2

Immediate proof of funds

No application fee


$7+ billion

OF LOANS FUNDED

32,000+

PROJECTS FUNDED

28 states

WHERE WE LEND

Best Loan Origination Platform

2021 Fintech Breakthrough Award

Forbes Fintech 50

2019 Forbes Fintech 50

2021 HW Tech100 Winner

2021 HousingWire

“Their service is unmatched and I just closed a $360k loan in 5 days, which is super fast. LendingHome is MY HOME and I wouldn’t deal with any other hard money lender or bank.”

ROGER F.

Start your next success story with Bridge Loans

Get insights, how-tos, tips, and more

We currently lend in: Arizona, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Illinois, Kentucky, Massachusetts, Maryland, Michigan, Minnesota, Missouri, North Carolina, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, and West Virginia.

A bridge loan is a short-term mortgage for real estate investors who prefer to finance the purchase and/or rehabilitation of their investment property rather than buy fully in cash.

Bridge loans work by bridging the gap between the down payment and mortgage of a new home and any of an investor's existing mortgages or loans. It makes it possible to essentially borrow the down payment, giving real estate investors the time to renovate the home and resell it. Bridge loans are often used to help real estate investors who build a portfolio and scale a business, as it allows them to do more at once.

You have cash and liquidity constraints or would rather take a smaller cash stake in your buying to renovate/sell project(s). Or, you want to scale your existing business by taking on multiple  projects at once. Bridge loans usually do not take as long to close as other loans. For instance, you can close on one home before selling another one. Or in this case, you can buy, renovate, and sell multiple investment properties at a time. It makes it possible for real estate investors to grow and scale their business.

At LendingHome, in as few as 5 days for experienced real estate investors who have bought, renovated, and sold 5 or more homes, pending valuation.

Rates start as low as 6.5%, but can vary based on factors such as experience, leverage, and geography. To see your custom rate, click here

Business entity docs (if applicable), voided check, and scope of work (if holdback is requested).

Based on the borrower's credit score, we can offer bridge loans up to 90% of the purchase price and 100% of the renovation budget with holdback. The amount of cash-to-close that is needed for the transaction is based on deal size and state. Click here to price out your next deal.

We only lend to entities in the following states: District of Columbia, Florida, Georgia, Minnesota, New Jersey, Ohio, Oklahoma, Texas, and Virginia. Individuals can take out loans in all states we lend in.

LendingHome keeps rehab loans as a holdback. These funds are held in escrow until after the work has been completed and proof of the work has been submitted. The funds are earmarked for the borrower, but not released until the work has been confirmed, at which point a draw is done.

You can choose to obtain your draw in one of two ways. You can either take out small amounts as the renovation is in progress or wait until it is entirely done in order to make one drawdown for the full amount of the project. Draw fees start as low as $179 and can go up to $199 for each draw.

The process for obtaining a draw is simple. First, make a request in your borrower dashboard. Next, we request a third party inspection. Upon satisfactory review of the inspection report and collection of additional construction documentation (if applicable), the draw administrator releases funds within 3 to 5 business days from the time of the review.

We're happy to help! Please click here to provide a summary of your experience, name, and contact information.

Find out in three minutes. Begin by answering a few short questions, and we'll give you estimated rates. If anything you told us keeps you from qualifying, we'll let you know exactly what it is.

We've designed your borrower dashboard so there are no surprises: when we know something, you know too. Watch your loan as it goes through our process flow. See pending information requests, complete your borrower checklist, upload documents directly, message your team of loan specialists, and more.

Have questions? We're here.

1Interest rates as low as 6.50% and vary based on property location, borrower experience, and FICO score.

2 Borrow up to $3MM of total loan volume in California. All other states, borrow up to $2MM