hard money loans

Hard Money Loan Rates 2026

By on January 7, 2026   /   Hard Money Loan Rates 2026, hard money loans, Investment Property Loans  
Hard Money Loan Rates 2026

As real estate markets change in 2026, hard money loan rates will still be a significant factor for investors and borrowers who need quick, flexible financing. Hard money loan rates are affected by different things than regular mortgage rates. Knowing what these things are will help you make better borrowing selections for your next project.

What Are the Rates for Hard Money Loans?

Hard money loan rates are the interest rates that private lenders charge for short-term, asset-based loans. Because hard money loans are meant to be quick to finance, don’t need strict credit checks, and are mostly backed by the value of the property, these rates are usually higher than regular mortgage rates.

People typically employ hard money loans for fix-and-flip ventures, bridging loans, construction financing, and other unusual investment opportunities.

Hard Money Rates in 2026: What to Expect

Hard money loan rates usually vary from 10% to 14% per year in 2026, but the exact rates depend on a few important things. These interest rates are higher than those on regular bank loans, but hard money lenders can close deals in only a few days, which can be a big plus for real estate investors who need money urgently.

These numbers are just rough estimates and can change depending on the lender, the state of the market, and the borrower’s credentials.

Factors That Influence Hard Money Loan Rates

There are a number of things that affect the interest rate on a hard money loan:

The Loan-to-Value (LTV) Ratio: Lower LTV ratios usually mean better rates because the lender’s risk is lower. In 2026, a lot of hard money lenders want LTV levels between 65% and 75%.

Credit Profile: Hard money loans are more concerned with the value of the property, but having a good credit history can still help you get good rates.

Type and condition of the property: Properties that are in better shape or have a higher resale value usually get cheaper interest rates. Properties that are in bad shape or that are not typical may cost more.

Market Dynamics: Lenders change the prices of hard money loans based on the level of risk they are willing to take on. This is because local real estate activity, interest rate patterns, and the state of the economy all affect the prices of these loans.

Points and Fees You Should Know

Hard money loans usually come with origination points and fees in addition to interest rates. It’s normal to have to pay 2 to 4 points up front, which means you pay that percentage of the loan amount when you close.

Knowing these fees lets you compare the overall cost of borrowing, not just the interest rate, when you look at lenders.

The Hard Money Tradeoff: Rate vs. Speed

Hard money loans are mostly about speed and chance. It can take traditional lenders weeks or even months to accept a loan, but hard money lenders can typically do it in only a few days. The higher rate can be a strategic cost of doing business for investors looking for auctions, fix-and-flip deals, or bridge loans.

Do Hard Money Loans Make Sense in 2026?

If you need money quickly, hard money loans with low interest rates can open up real estate options that regular loans can’t. The most important thing is to understand how rates are set and what affects them so you can get terms that fit your plan.

Moving Forward

Are you ready to look into the interest rates on hard money loans for your next project? Brad Loans has quick, clear loan solutions that are made just for you. Call us today to compare rates, talk about your goals, and obtain a personalized hard money loan quotation in 2026.

Phoenix Hard Money Real Estate Loans

If you’re interested in getting involved with real estate investing and need the capital to purchase properties hard money is a great way to get started.  Brad Loans has extensive experience in both real estate investing and hard money lending and is proud to offer Phoenix Valley real estate investors the financing they need.  It is easy to get started applying for hard money loan and Brad Loans is able to work with clients with bad credit and no credit. We are your source for hard money when traditional banks say no.  Read more about Brad Loan’s hard money loan programs or get started fill out our hard money loan application or give us a call to ask questions at 602-999-9499.

Back to Top

Uses For A Hard Money Loan in 2026

By on January 7, 2026   /   Flipping Houses In Arizona, hard money loan approval, hard money loans, Investment Property Loans, Uses For A Hard Money Loan in 2026  
Uses For A Hard Money Loan in 2026

Hard money loans are still very significant for real estate investing and short-term finance in 2026. Hard money loans are based on assets, are easier to get, and are more flexible than regular bank loans. They are often employed when the timing, condition of the property, or the borrower’s situation makes traditional financing impossible.

Knowing the most common reasons people get hard money loans can help borrowers figure out if this form of loan is good for them.

Projects to Fix and Flip Real Estate

Fix-and-flip real estate projects are one of the most common uses for hard money loans. Traditional lenders may not want to lend money for houses that are in bad shape, while hard money lenders are more interested in the property’s value following repairs. They can often close in days instead of weeks.

Bridge Financing for a Short Time

People sometimes employ hard money loans as bridge loans. This kind of loan enables people who are buying and selling homes or moving from one loan to another fill in short gaps. For instance, an investor might take out a hard money loan to buy a new property before selling an old one.

Bridge financing is still a good option for transactions that need to be done quickly in the fast-paced real estate market of 2026.

Buying Investment Properties

Hard money loans are typically used by investors who can’t get regular financing because of credit problems, trouble proving their income, or the type of property they want to buy. People often utilize these loans to buy rental properties, multi-family units, or unique properties that don’t fit inside the usual lending rules.

Hard money loans are flexible for both new and experienced investors because they are mostly dependent on the worth of the property and not the borrower’s financial history.

Construction and Renovation Projects

People that borrow money may require it to build something from the ground up, add on to something, or do a lot of remodeling. In many circumstances, money is released in phases as work is done, which helps keep projects on schedule.

Buying at Foreclosure and Auction

If you buy a property in a foreclosure auction or tax sale, you usually have to pay right away. Hard money loans give investors quick access to cash, which lets them buy these properties before their competitors do. In these cases, speed is quite important, and hard money lenders are generally able to meet tight deadlines.

Business and Cash Flow Needs

Some people who borrow money employ hard money loans to meet short-term business or cash flow demands related to real estate. This could include paying for unforeseen costs, making renovations, or keeping your finances stable until you can get longer-term funding.

Let’s Get Started

Brad Loans can help you find hard money loans in 2026. Call Brad Loans immediately to talk about your project, go over your financing alternatives, and get quick, dependable cash that fits your real estate ambitions.

Phoenix Hard Money Real Estate Loans

If you’re interested in getting involved with real estate investing and need the capital to purchase properties hard money is a great way to get started.  Brad Loans has extensive experience in both real estate investing and hard money lending and is proud to offer Phoenix Valley real estate investors the financing they need.  It is easy to get started applying for hard money loan and Brad Loans is able to work with clients with bad credit and no credit. We are your source for hard money when traditional banks say no.  Read more about Brad Loan’s hard money loan programs or get started fill out our hard money loan application or give us a call to ask questions at 602-999-9499.

Back to Top

Understanding Loan-to-Value (LTV) Ratio

By on December 3, 2025   /   hard money loans  
Understanding Loan-to-Value (LTV) Ratio

What Is LTV Loan To Value Ratio

What is the Loan-to-Value (LTV) Ratio and Why Does It Matter for Getting a Loan?

Lenders need a quick and accurate way to figure out how risky a loan is when you apply for one, whether it’s a personal loan, an auto loan, or a title loan. The Loan-to-Value (LTV) ratio is one of the most essential instruments they have. If you want to borrow money against your car or another asset, knowing about LTV can help you figure out what to expect, what you can receive, and how to secure the best deal.

What Is LTV, Exactly?

The Loan-to-Value Ratio (LTV) is a statistic that shows how much you want to borrow compared to the value of the asset you want to borrow against. It is written as a percentage:

LTV = (Loan Amount ÷ Appraised Value of Asset) × 100

The LTV is 50% if you borrow $4,000 on a car that is worth $8,000. The lender can see how much of the asset’s value is being used as collateral.

Why LTV Is So Important

LTV is very important to lenders since it tells them how risky a loan is.

Less LTV means less risk.
The lender has a lot of protection when the loan amount is minimal relative to the value of the asset. This usually implies that you can get your loan approved sooner, get a better interest rate, or borrow more money.

More LTV means more risk.
The lender is less protected if the asset loses value or needs to be sold if the loan amount is close to the asset’s worth. People that borrow money with high LTV ratios may have to meet tougher standards, pay higher interest rates, or get less money.

At BradLoans.com, we do our best to look at each application on its own, but LTV is still one of the most important things that decides how much you can borrow.

How LTV Changes Auto and Title Loans

LTV is very important for auto-title loans because your car is the collateral. A lender looks at the make, model, year, mileage, and overall condition of your car to figure out how much it is worth. After that value is known, the LTV rules are used to figure out how much the loan will be.

Most title lenders will grant you money in the 40% to 70% LTV range, depending on how good the car is and how much money you have. A automobile that is well-kept and has minimal mileage can typically get the higher end of the spectrum.

How to Make Your LTV Ratio Better

Here are some useful tips to help you get approved or get a bigger loan:

Keep your car in good shape to keep its worth.

Make modest fixes or upgrades that make things look or work better.

Bring comprehensive and precise paperwork so the appraiser can check the worth.

Think about borrowing less, which will lower your LTV right now.

Even tiny changes can change your ratio enough to get you better loan conditions.

The Bottom Line

The Loan-to-Value ratio is one of the most crucial numbers on any application for a secured loan. You may borrow money with more confidence and responsibility if you know how LTV works and how lenders use it. At BradLoans.com, we promise to be honest about lending, make things straightforward, and help our customers acquire the money they need without any uncertainty.

Start your safe online application today if you want to find out what kind of loan you can get.

Brad Loans Offers Up To 100% LTV With Cross Collateral

Brad Loans offers 100% FINANCING if borrower has an another property that is free and clear or the property that has positive equity (it’s worth more than is still owed), it can be pledged as additional collateral (aka a Cross Collateralized Loan). Learn more about 100% LTV hard money loans here.

Back to Top
Translate »