48 hour closes

100% of rehab financed

No Minimum FICO

FIX AND FLIP

Fix & Flips | Rental Bridges | Refinance | LAND

We offer the fastest closings on short-term residential loans. Our hard money loans come direct from Longleaf Lending – we’ll never broker your loan. We also service your loan in-house, providing you a better experience.

There is no minimum credit score and our interest rates start at 10%.

Apply today and get pre-approved. We offer Proof of Funds letters to help strengthen your next offer.

Funding Guidelines

Loan Value: $75,000-$1,000,000
LTV: Up to 75% ARV
LTC: Up to 95%
Interest Rate: 10-13% (interest only)
Points 2-3
Term: 6-12 months
Closing Time: As fast as 48 hours
Rehab: 100% financed
FICO: No minimum

expert flip

Lower interest rate hard money product for experienced investors

If you qualify as an experienced real estate investor, we can offer you some of the lowest interest rates available for hard money products – rates starting at 8%.

Our Expert Flip program is designed for professional investors that want to scale their business and don’t want to work with national, lower cost lenders.

You still get the same fast closes, no junk fees, and simple process Longleaf Lending is known for.

Program features:

  • Rates start at 8%
  • Up to 75% LTV
  • 90% minimum LTC
  • Longer term available (up to 24 months)
  • 680 minimum credit score

Funding Guidelines

Loan Value: $75,000-$2,000,000
LTV: Up to 75% ARV
LTC: Up to 90%
Interest Rate: 8-10% (interest only)
Points 1-3
Term: 6-24 months
Closing Time: As fast as 48 hours
Rehab: 100% financed
FICO: 680 minimum

Low hard money rates

48 hour closes

680 Minimum FICO

Low hard money rates

1 week closes

660 Minimum FICO

ground up

financing for ground up new construction projects

Don’t wait months for traditional lender approval on a ground up new construction loan. Instead get financing in a matter of days from Longleaf Lending’s Ground Up loan product.

Available for single-family residential, townhomes, and also for 2-4 unit development.

Non-dutch interest is allowed – meaning you are only charged interest on the portion of your loan that is drawn.

Funding Guidelines

Loan Value: $150,000-$3,500,000
LTV: Up to 70% ARV
LTC: Up to 85%
Interest Rate: 8-10% (interest only)
Points 1-3
Term: 6-36 months
Closing Time: As fast as 1 week
Rehab: 100% financed
FICO: 660 minimum

Rental Loan

long term financing for investors seeking long or short-term rental cash flow

Rates starting at 6.625%.

We offer a solution for investors seeking to build wealth from a portfolio of cash flowing rental properties. Our 30-year fixed rate allows you take advantage of the current market and lock in lower rates for the long term.

Similar our Fix and Flip products, there is no income verification that would be required with conventional mortgage financing. We are focused on the cash flow potential of your project.

This product is available for both short-term rentals (vacation rentals) and long-term leases.

Funding Guidelines

Rental type: Short (vacation rental) or long-term
Loan Value: $75,000-$2,000,000
LTV: Up to 80% (as is)
Interest Rate: Starting at 6.625%
Points: 2-3
Term: 30 year fixed; adjustable options
Closing Time: As fast as 2 weeks
FICO: 650 minimum

Lock in Low Rates

Up to 80% LTV

1-4 family units

5-30 units

Up to 3 year terms

interest only, value add

MULTI-FAMILY

multi-family bridge loans for 5-30 unit value add opportunities

We now offer financing for investors seeking to pursue value-add opportunities in multi-family properties.

Our Multi Family bridge product is available for up to 30 units.

Low hard money rates starting at 8% and terms up to 36 months are available.

Funding Guidelines

Loan Value: $250,000-$10,000,000
LTV: Up to 75% ARV
LTC: Up to 85%
Interest Rate: 8-10% (interest only)
Points 1-3
Term: 6-24 months
Closing Time: As fast as 2 weeks
Rehab: 100% financed
FICO: 660 minimum