Private Money Lenders

Hard Money Loans for Real Estate Investors in Seattle & Western Washington

• No Appraisals | No Draw Inspections

• Rehab & Construction Loans

• Funding in 48 Hours

Private Money Lenders

• No Appraisals | No Draw Inspections

• Construction & Rehab Loans

• Funding in 48 Hours

Hard Money Lenders Serving Western Washington

We Help With

Hard to fund real estate investments
Real estate investors with no or bad credit history
Closing quickly with all-cash offers

Our Services

Free ARV for borrowers
Expert investment counseling

Loan Program Details

Up to 90% Loan-to-Value
First Loan Draw within 48 Hours of Closing
Loan amounts: $50,000 – $7,000,000+

As Western Washington’s leading private money lender, Intrust Funding is known for its transparency. With expertise in every step of the real estate investment process, our professional loan consultants aren’t interested in just signing loans. We’ve developed and hold to our own hard money loan underwriting principles and processes, because we know they work, and they ensure our clients are getting the highest returns on their investments. Your success means our success.

Intrust Funding knows the fast-paced environment of local real estate investing, which is what makes us the best private money lenders of the Puget Sound Region. Our bridge loans for residential property and commercial investments provide fast capital, so our clients can cover closing costs quickly. With our short term loans, borrowers present all-cash offers in as little as 48 hours to secure the best properties fast. We are revolutionizing the lending industry through our unwavering commitment to efficiency, transparency, and integrity throughout the loan process.

The Best Hard Money Loan Program for Real Estate Investors

Fixated on Real Estate's Tarl Yarber Interviews Will Heaton of Intrust Funding

How did Will Heaton make 6 figures turning the old into the new?

How do you keep old world charm in a house that you want to flip? Is it worth all the hassle? Most flippers just rip it all out! In conversation with Tarl Yarber of Fixated on Real Estate, Intrust Funding’s Will Heaton shows us his Modern Euro Cottage in Seattle WA and how keeping the old will net him over six figures in profit, making all the hassles worth it!

Hard Money Loans Funded

1,500

Borrower Default Rate

1%

Hard Money Loans Funded

1,500

Borrower Default Rate

1%

Simple. Efficient. Reliable.

Intrust’s loan process is typically completed within 24 to 48 hours.

Brief Overview of Hard Money Loan Programs

For real estate development and investment, investors trust Intrust Funding’s simple and efficient short-term hard money loan process. For both private investors and commercial brokers, we differ from traditional lenders because we lend on short term projects, rather than long term, with hard money.

The Intrust Borrower Advantage:

  • Cash on hand without money out of pocket;
  • Maintain cash position during investment process;
  • Quick hard money loan process, with no bank red tape;
  • Credit score is not a significant factor;
  • Find funding for difficult to fund projects.

Not Traditional Lenders: Intrust Funding is Western Washington’s Most Trusted Private Money Lender

Unlike a conventional loan or conventional mortgage, our types of loans take into consideration LTV ratios. Loan to Value (LTV) is how loan terms are decided for private lenders like Intrust Funding. It is defined as the ratio of the loan amount to investment property’s After Repair Value (ARV). And unlike conventional lenders, where origination fees for mortgages sit between .5% and 1% of the loan amount, origination fees for hard money loans can differ depending on the lender. Another difference is that hard money loans cannot fund properties that are owner occupied. This is a restriction every hard money lender follows.

Our unmatched ability to understand client needs and counsel investors before, during, and after the hard money loan process is just one of the many reasons why our borrowers become partners.

Standard Hard Money Loan

Loan Terms

  • Interest Rate: 12%
  • Loan Fee: Starts at 2%
  • Length: 0 – 12 Months
  • Property must be non-owner occupied

*No Additional Paperwork or Extensions

Rehab/Construction Hard Money Loan

Loan Terms

  • Interest Rate: 12%
  • Loan Fee: Starts at 2%
  • Length: 0 – 12 Months
  • Property must be non-owner occupied

*No Inspections or Appraisals Required

*Draws within 24-72 Hours

What Is a Hard Money Lender?

A hard money lender is a private lender who funds real estate investments with cash loans. Real estate investors love hard money lenders. Why? In part it’s because the types of loans, the application process, and the short term loans offered through hard money.

Funding Criteria:

Unlike traditional lenders who use credit scores or personal finances, hard money lenders fund the purchase price or rehab cost of an investment property based on loan-to-value ( or LTV ratios). This means they will lend up to a certain percentage of a property’s current market value. Others lend based on a property’s after repair value (ARV), which is the expected value of the property after renovations are complete. This is a core component to hard money lending, because it allows lenders to fund loans for investors with less than stellar credit histories, since lenders are primarily concerned with the asset being financed rather than the borrower’s financial history.

For Real Estate Investors:

Although loan terms and interest rates differ between different companies, another difference to conventional loans is that hard money loans can only fund non-owner occupied investments. Because Intrust Funding is founded by real estate investors for real estate investors, the focus of lending is on real estate investments particularly, and not on owner-occupied properties.

Short Term Loans:

Because a hard money loan is a short term financing option, it is sometimes referred to as a “bridge loan.” Hard money lenders like Intrust Funding require exit strategies before a loan can be funded. Typically these involve the real estate investor either using a “buy and hold” strategy, where the investment property is bought, renovated, and held, in order to rent out. Another common strategy is the “fix and flip” strategy, where an investor buys a property and funds the renovation with a hard money loan, and then sells the property once renovations are complete. Some investors use a hard money loan as a construction loan to get renovations moving quickly and beat their repayment schedules by paying off their loans early. As a hard money lender, Intrust Funding does not penalize payoffs that happen ahead of schedule: we encourage it!

  • Simple Application

    The application process is easy with quicker approval/disapproval times than conventional lenders like banks.

  • Financial Information

    Less scrutiny of the borrower’s personal financial situation (including income and historical tax returns, etc.).

  • Property Focused

    Perfect credit and substantial amounts of disposable income is not needed from borrowers, instead the focus is on the merits of the investment property.

  • Self Employment is OK

    Self-employment is not seen as unacceptable to hard money lenders, whereas banks view self-employment negatively and prefer lending to professionals with very steady income.

  • Less Resources and Time

    Borrowers can allocate less time to seeking financing and avoiding rejections by banks. The draw process at Intrust Funding is simple.

  • Rehab Funds

    Hard money loans don’t just cover closing costs. You can also include the cost of renovations and repairs in your loan amount.

Borrower Reviews

Where Borrowers Are Partners

Rhonda and Francisco explain why Intrust Funding’s hard money loan process is simple, efficient, and reliable for real estate investors.

Rachelle Boyer
Rachelle Boyer
03:05 26 Apr 19
We love working with Carolyn... she’s so professional, fast and really helpful! Customer Service at its finest!!
Savage Real Estate
Savage Real Estate
00:47 26 Apr 19
We’ve done a number of hard money loans with Intrust Funding and I highly recommend them. They are professional, fair and communicate well. Carolyn and Will have been especially awesome over the years. Feel free to message me for further insight. I’m not being paid for this, just a happy customer!read more
Graydon Manning
Graydon Manning
22:52 25 Apr 19
I was introduced to Carolyn and Intrust by my conventional lender when we needed to close quickly with a construction budget on a renovation project in Tacoma. We have done more deals since and they have proven to be a solid financial partner. Looking forward to more in the future!read more
David Salfer
David Salfer
16:35 27 Mar 19
Intrust Funding gave me a chance when nobody else would. Funded my project in just a few days. Experienced personal had solutions for difficult situations like mine. I tried many other companies. They wanted fees, lengthy appraisals, and didn't have the answers to deal with difficult home owners. Intrust funding changed the way I look at private lenders. They care about my success and help me achieve it. Thanks David Salfer ALL PROP INVESTMENTS LLCread more
David Carl Williams
David Carl Williams
23:57 05 Mar 19
This company is the best company I have ever used for financing of real estate! The terms are very good, the people are very nice, and the company is understanding of each individual customer's circumstances. The best!
Jon Gutter
Jon Gutter
03:22 20 Feb 19
David and the team are centered around customer service and focused on providing the optimum lending product for the seasoned to novice investor. I call them "the lenders who care" because they are ! If you need quick project funding, prequalification letters and investor lending from skilled, qualified, lenders, who make decisions in house, who care and want you to succeed, Intrust Funding is for you !read more
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