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201-643-6650

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Our Loan Programs

Fix & Flip

Ground-up

Bridge

Rental

Short-term financing for purchasing and fixing up investment properties

Rates start at 10.25%
No-Points Loans
Close 7-15 days

Apply Now More Info

Build your next investment property from the ground-up

Rates start at 10.25%
No-Points Loans
Close 7-15 days

Apply Now More Info

Bridge financing to purchase, refinance, or reposition investment properties

Rates start at 10.25%
No-Points Loans
Close 7-15 days

Apply Now More Info

Build a portfolio of rental properties to maximize your passive income

Rates start at 6.25%
No-Points Loans
DSCR from 0.75x

Apply Now More Info

We fund deals in Snohomish County every day. Each day your capital sits idle is a deal you could lose. So we built our lending model around three things: speed, certainty, and execution. The goal stays the same for every borrower. Get you to the closing table in days, not weeks.

Snohomish County moves fast. Inventory is tight, and strong properties draw offers within hours. Investors who move first win the deal. The rest wait for the next one. [FLAG: insert verified Snohomish County days-to-pending or months-of-supply here once sourced.] Whether you’re flipping a dated home in Everett, acquiring a rental in Lynnwood, or breaking ground in Lake Stevens, we know these markets and we fund in them.

We are a true direct lender. Every decision gets made in-house. You always know where your loan stands. There are no middlemen. No handoffs to an outside desk. That keeps approvals quick and stops good deals from dying. Our team looks at the true value of your project, not just a rigid checklist. We review each deal on its own merits.

What sets us apart:

Speed & Certainty: Close in 7-15 business days, with in-house underwriting and funding.
No-Points Loan Programs: Keep your cash at closing. Put it toward rehab, new buys, or portfolio growth across Snohomish County.
Investor-Focused Underwriting: We look at the asset, your plan, and the upside, using real investing know-how.

We’ve funded over $1B+ across 1450+ deals closed. That kind of record only comes from years of active lending. In Snohomish County, we’ve backed fix-and-flip projects in Marysville. We’ve funded bridge buys in Edmonds. We’ve financed ground-up builds in Arlington. Our history isn’t just a number. It shows the real problems we’ve solved for investors here.

Our underwriting weighs leverage, rehab needs, and how fast a market sells. We build each loan to fit your real timeline and exit plan. Many borrowers come back for their next project. Then the one after that. Consistent execution builds trust, and trust builds portfolios.

Funding is only one part of a good investment. You also need people who stay with you. Our lending team guides you through underwriting, draw requests, and closing timelines. We’re with you from your first quote through funding and servicing. You get clarity at every stage.

Maybe you’re a first-time flipper in Marysville. Maybe you’re a seasoned developer in Mill Creek. Either way, we know the Snohomish County market. Our loan portal lets you track your deal in real time. You can upload documents securely and stay in the loop. You’ll always know where your deal stands.

Our reach across 39+ states gives us deep capital reserves and strong backing. So we can fund with certainty, even when the market gets choppy. Our size also brings speed. It lets us handle any project, big or small. We can close a $150,000 flip in Monroe. We can also fund a large mixed-use build in Everett worth several million. Both get the same focus.

We know Snohomish County’s rules and market well. Very little catches us off guard. Our financial strength holds up through every market cycle, not just the good ones. National reach is what makes our local focus stronger.

Hard Money Loans in Snohomish County

Snohomish County rewards investors who move fast. One week you chase a dated rambler in Lynnwood. Next, it’s a waterfront fixer in Mukilteo. Competition is fierce. Capital speed often decides who closes and who loses out. Sharp investors turn overlooked homes into strong assets. And they do it before the crowd shows up.

So what is a hard money loan? It’s short-term financing backed by real estate. We focus on the asset, not your credit or income. That makes these loans faster to approve and close, often within 7-15 business days. Our underwriting stays in-house. We build every loan around the investor. You can get same-day term sheets and instant pre-approvals. If you’re ready to take advantage of what Snohomish County has to offer, get started with a free consultation today.

Close in as few as 7 days with a direct lender who knows the market.

Apply Now

Fix and Flip loans in Snohomish County

Our fix and flip loans are built for investors who buy and renovate quickly. We fund both the purchase and the rehab. That gives you leverage to maximize your capital and scale your portfolio. Resale demand runs strong across Everett, Marysville, and Lake Stevens. Premium buyers wait near the Edmonds and Mukilteo waterfront. Fast closings mean less time waiting and more time rehabbing while demand is hot.

Leverage: Up to 90% of purchase price and up to 100% of rehab costs
Rates: Starting at 10.25% with no points
Timeline: Close in 7-15 business days

Bridge loans in Snohomish County

A bridge loan gives you short-term capital to cover a financing gap. Use it three ways. Buy a new property before your current one sells. Hold and steady an asset before you lock in long-term financing. Or move fast on a time-sensitive deal. We offer instant pre-approvals and same-day term sheets. You get certainty before the window closes.

Leverage: Up to 75% of purchase price
Rates: Starting at 10.25% with no points
Timeline: Close in 7-15 business days

Construction loans in Snohomish County

Our construction loans are made for builders and developers. We fund both the land and the build across Snohomish County’s growing submarkets. That includes Arlington, Marysville, Lake Stevens, and Stanwood. Building from scratch is hard. We help you handle city permits, draw schedules, and your budget at every phase.

Our draw process keeps your project moving and cuts delays. These loans fit experienced developers well. Build single-family, multifamily, or mixed-use. We’re one of the region’s active builders’ lenders. We fund the growth that Snohomish County keeps demanding.

Leverage: Up to 65% of land value and up to 100% of construction costs
Rates: Starting at 10.25% with no points
Timeline: Close in 7-15 business days

DSCR loans in Snohomish County

With a DSCR loan, you qualify on the property’s cash flow alone. There’s no personal income check. Your growth rides on deal strength, not on W-2s or tax returns. Use it to buy or refinance. We build the loan around what the property earns. Rental demand holds firm in transit-served markets like Lynnwood and Mountlake Terrace. It’s also strong near the big employers around Everett. In a busy buy-and-hold market, certainty and speed win.

Leverage: Up to 80%
DSCR Minimum: As low as 0.75x
Rates: Starting from 6.25% with no points

Fix and Flip purchase loan funded for a multifamily property in North Plainfield NJ with $415k loan and $43k construction budget

Fix and Flip | Purchase North Plainfield, NJ Property Type: Multifamily Loan amount: $415,000 Construction Budget: $43,000

Fix and Flip refinance loan funded for a condo in Brooklyn NY with $4M loan and $220k construction budget

Fix and Flip | Refinance Brooklyn, NY Property Type: Condo Loan amount: $4,000,000 Construction Budget: $220,000

Fix and Flip purchase loan funded for a single family home in Philadelphia PA with $115k loan and $45k construction budget

Fix and Flip | Purchase Philadelphia, PA Property Type: Single Family Residence Loan amount: $115,000 Construction Budget: $45,000

Ground-Up refinance loan funded for a single family home in Westport CT with $2.1M loan and $1.5M construction budget

Ground-Up | Refinance Westport, CT Property Type: Single Family Residence Loan amount: $2,100,000 Construction Budget: $1,500,000

Fix and Flip purchase loan funded for a mixed-use property in Trenton NJ with $530k loan and $315k construction budget

Fix and Flip | Purchase Trenton, NJ Property Type: Mixed-use Loan amount: $530,000 Construction Budget: $315,000

Bridge purchase loan funded for a single family home in Maplewood NJ with $412k loan for 2-unit property

Bridge Loan | Purchase Maplewood, NJ Property Type: Single Family Residence Loan amount: $412,000 Unit Count: 2

Fix and Flip purchase loan funded for a triplex in Jacksonville FL with $290k loan and $123k construction budget

Fix and Flip | Purchase Jacksonville, FL Property Type: Triplex Loan amount: $290,000 Construction Budget: $123,000

Fix and Flip purchase loan funded for a multifamily property in New Brunswick NJ with $920k loan and $310k construction budget

Fix and Flip | Purchase New Brunswick, NJ Property Type: Multifamily Loan amount: $920,000 Construction Budget: $310,000

Bridge purchase loan funded for a multifamily property in Orange NJ with $1.6M loan for 11-unit building

Bridge Loan | Purchase Orange, NJ Property Type: Multifamily Loan amount: $1,600,000 Unit Count: 11

Rental cashout loan funded for a mixed-use property in Pemberton NJ with $605k loan for 6-unit property

Rental | Cashout Pemberton, NJ Property Type: Mixed-use Loan amount: $605,000 Unit Count: 6

Ground-Up purchase loan funded for townhouses in Ridgefield NJ with $3M loan and $2.115M construction budget

Ground-Up | Purchase Ridgefield, NJ Property Type: Townhouses Loan amount: $3,000,000 Construction Budget: $2,115,000

Ground-Up cashout loan funded for a duplex in Irvington NJ with $465k loan and $407k construction budget

Ground-Up | Cashout Irvington, NJ Property Type: Duplex Loan amount: $465,000 Construction Budget: $407,000

Fix and Flip refinance loan funded for a multifamily property in Brooklyn NY with $2.675M loan and $2.25M construction budget

Fix and Flip | Refinance Brooklyn, NY Property Type: Multifamily Loan amount: $2,675,000 Construction Budget: $2,250,000

Ground-Up purchase loan funded for a condo in Jersey City NJ with $850k construction budget

Ground-Up | Purchase Jersey City, NJ Property Type: Condo Loan amount: $338,000 Construction Budget: $850,000

Rental cashout loan funded for a single family home in Jersey City NJ with $437k loan and DSCR 1.08

Rental | Cashout Jersey City, NJ Property Type: Single Family Residence Loan amount: $437,000 DSCR: 1.08

Accolend funded Ground-Up purchase loan for a single family home in Short Hills NJ with $2.37M loan and $1.4M construction budget

Ground-Up | Purchase Short Hills, NJ Property Type: Single Loan amount: $2,375,000 Construction Budget: $1,400,000

Fix and Flip purchase loan funded for a condo in Medford MA with $965k loan and $240k construction budget

Fix and Flip | Purchase Medford, MA Property Type: Condo Loan amount: $965,000 Construction Budget: $240,000

Ground-Up purchase loan funded for a single family home in Columbus OH with $250k loan and $250k construction budget

Ground-Up | Purchase Columbus, OH Property Type: Single Loan amount: $250,000 Construction Budget: $250,000

Accolend funded Fix and Flip cash-out loan for a single family home in Riverview FL with $245k loan and $85k construction budget

Fix and Flip | Cashout Riverview, FL Property Type: Single Loan amount: $245,000 Construction Budget: $85,000

Fix and Flip purchase loan funded for a single family home in Commack NY with $980k loan and $250k construction budget

Fix and Flip | Purchase Commack, NY Property Type: Single Loan amount: $980,000 Construction Budget: $250,000

Bridge loan funded for a 23-unit multifamily property in Newark NJ with $2M loan

Bridge Loan | Purchase Newark, NJ Property Type: Multifamily Loan amount: $2,000,000 Unit Count: 23

Fix and Flip purchase loan funded for a single family home in Northridge CA with $990k loan and $400k construction budget

Fix and Flip | Purchase Northridge, CA Property Type: Single Loan amount: $990,000 Construction Budget: $400,000

Accolend funded Fix and Flip cash-out loan for a mixed-use property in Newark NJ with $5M loan and $1.1M construction budget

Fix and Flip | Cashout Newark, NJ Property Type: Mixed-use Loan amount: $5,000,000 Construction Budget: $1,100,000

Bridge cash-out loan funded for a 36-unit mixed-use property in Jersey City NJ with $8.6M loan

Bridge Loan | Cashout Jersey City, NJ Property Type: Mixed-use Loan amount: $8,600,000 Unit Count: 36

Accolend funded Fix and Flip loan for single family home in New Windsor NY with $330k loan and $90k construction budget

Fix and Flip | Purchase New Windsor, NY Property Type: Single Family Residence Loan amount: $330,000 Construction Budget: $90,000

Accolend funded Bridge loan for multifamily property in Irvington NJ with $2.83M loan for 18-unit apartment building

Bridge Loan | Purchase Irvington, NJ Property Type: Multifamily Loan amount: $2,830,000 Unit Count: 18

Accolend funded Ground-Up cashout loan for single family home in San Clemente CA with $2.7M loan & $2.06M construction budget

Ground-Up | Cashout San Clemente, CA Property Type: Single Family Residence Loan amount: $2,700,000 Construction Budget: $2,060,000

Accolend funded rental cashout loan for single family home in Monroe NY with $300k loan and DSCR 1.25

Rental | Cashout Monroe, NY Property Type: Single Family Residence Loan amount: $300,000 DSCR: 1.25

Fix and Flip loan funded for single family home in Westfield NJ with $1.05M loan and $380k construction budget

Fix and Flip | Purchase Westfield, NJ Property Type: Single Family Residence Loan amount: $1,050,000 Construction Budget: $380,000

Bridge loan funded for multifamily property in Irvington NJ with $3.08M loan for 19-unit apartment building

Bridge Loan | Purchase Irvington, NJ Property Type: Multifamily Loan amount: $3,080,000 Unit Count: 19

Ground-Up cashout loan funded for single family home in Philadelphia PA with $1.43M loan and $1.26M construction budget

Ground-Up | Cashout Philadelphia, PA Property Type: Single Family Residence Loan amount: $1,430,000 Construction Budget: $1,256,000

Rental cashout loan funded for single family home in Dallas TX with $165k loan and DSCR 1.12

Rental | Cashout Dallas, TX Property Type: Single Family Residence Loan amount: $165,000 DSCR: 1.12

Fix and Flip loan funded for single family home in Union NJ with $410k loan and $70k construction budget

Fix and Flip | Purchase Union, NJ Property Type: Single Family Residence Loan amount: $410,000 Construction Budget: $70,000

Fix and Flip loan funded for single family home in Los Angeles CA with $2,000,000 loan and $600,000 construction budget

Fix and Flip | Purchase Los Angeles, CA Property Type: Single Family Residence Loan amount: $2,000,000 Construction Budget: $600,000

Fix and Flip loan funded for single family home in Lafayette LA with $150,000 loan and $131,000 construction budget

Fix and Flip | Cashout Lafayette, LA Property Type: Single Family Residence Loan amount: $150,000 Construction Budget: $131,000

Fix and Flip loan funded for single family home in Millburn NJ with $1,100,000 loan and $450,000 construction budget

Fix and Flip | Purchase Millburn, NJ Property Type: Single Family Residence Loan amount: $1,100,000 Construction Budget: $450,000

Fix and Flip cashout loan funded for mixed-use property in Bronx NY with $5,950,000 loan and $5,600,000 construction budget

Fix and Flip | Cashout Bronx, NY Property Type: Mixed-use Loan amount: $5,950,000 Construction Budget: $5,600,000

Fix and Flip loan funded for single family home in Montclair NJ with $2,800,000 loan and $825,000 construction budget

Fix and Flip | Purchase Montclair, NJ Property Type: Single Family Residence Loan amount: $2,800,000 Construction Budget: $825,000

Bridge loan funded for multifamily property in East Orange NJ with $4,700,000 loan for 25-unit building

Bridge Loan | Refinance East Orange, NJ Property Type: Multifamily Loan amount: $4,700,000 Unit Count: 25

Bridge loan funded for single family home in Dix Hills NJ with $565,000 loan and no points

Bridge Loan | Purchase Dix Hills, NJ Property Type: Single Family Residence Loan amount: $565,000 No points

Ground-Up cashout loan funded for single family home in Long Island NY with $1,830,000 loan and $1,500,000 construction budget

Ground-Up | Cashout Long Island, NY Property Type: Single Family Residence Loan amount: $1,830,000 Construction Budget: $1,500,000

Rental purchase loan funded for single family home in Newark NJ with $275,000 loan and DSCR 1.13

Rental | Purchase Newark, NJ Property Type: Single Family Residence Loan amount: $275,000 DSCR: 1.13

Simple, Straightforward Requirements

We build approval around the asset, not your finances. No W-2s. No tax returns. No debt-to-income math. We cut the hurdles that slow banks down, so we close in days, not weeks. Eligibility is mostly asset-based. Here’s what you generally need:

Minimum FICO Score: 620 for most loan programs, 650 for ground-up construction.
Investment Experience: None needed for Fix and Flip or DSCR loans. Ground-up construction loans need at least one finished new build.
Background Check: A clean record, with no recent felony convictions or major financial misconduct.
Loan Amounts: We lend from $115,000 to $8,000,000, based on the program and market.
Property Requirements: The property must be a non-owner-occupied investment in an eligible Snohomish County market. Rural properties don’t qualify.

We don’t require income verification or tax returns. Your deal’s potential is what matters most.

Snohomish County hard money loan eligibility

Minimal Paperwork for a Streamlined Process

We keep paperwork light for a fast, smooth process. Each deal is unique, but you’ll usually need:

Personal Information Documents: Driver’s License, 2 Months Bank Statement, Proof of Experience if applicable, Social Security Card
Property Information: Purchase Contract, Scope of Work, Property & Liability Insurance, Title Commitment
LLC Information: Formation Doc, EIN, Operating Agreement, LLC Resolution

Our team will give you a clear checklist for your loan. It keeps the path to closing smooth.

Ready to fund your next Snohomish County deal?Call 201-643-6650 or email sales@accolend.com for a free consultation.

Snohomish County documents for hard money loans

Competitive Rates

We are a direct lender backed by institutional capital. With a low cost of capital, we pass the savings on to our clients, helping to protect their profit margins.

Fast Service

All processing, underwriting, and closing are handled in-house by our team members. This enables us to fully control and expedite the process to meet our clients' timelines.

Certainty of Execution

As a Direct Lender and Asset Manager, we have complete control over the underwriting process and our strategic direction. Our funding sources are diversified and have proven reliable across various market cycles.

No Points

We launched our signature no-points programs in 2016. Since then, they have saved our borrowers millions of dollars, and allowed our broker partners to better compete.

Your next investment starts here.
Secure funding for your next investment.

Apply in minutes

You provide us with the application, including property and deal information.

We send you the proposed terms of our loan, outlined in a term sheet that includes all relevant expenses and documentation requirements.

Our underwriting team sets up your loan on our website portal to ensure a smooth documentation submission process. We coordinate with vendors such as appraisal and inspection companies, title, insurance, and legal counsel to facilitate seamless communication.

We work with you, your legal counsel, and the title company to schedule a closing date. On the closing date, we review all executed documents from your lawyer or the title company/closing agent and wire the funds.

You reach out to our draw manager with your draw request. A property inspection will be scheduled to verify completed work, and upon satisfactory completion and review, we will fund the draw. Our closing agent will wire the funds per draw request.

Our servicing team will assist you with extension and/or payoff requests. Extension approval requires 30 days of advance notice and the completion of an extension application.

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Accolend’s rates start at 10.25% with no points and 8.25% with points.

Accolend can close a hard money loan in Snohomish County in 7-15 business days.

The minimum FICO score required for hard money loans in Snohomish County is 620.

Accolend can finance the following type of properties in Snohomish County for a hard money loan:

Single Family Residence (SFR)
2-4 Unit Properties
5+ Unit Properties
Condominiums
Town Houses
Mixed use

Accolend offers following type of hard money loans in Snohomish County:

Fix and Flip
Bridge
Ground-Up
DSCR
Rental

Yes, Accolend offers no-points loans in Snohomish County.

The minimum and maximum loan amounts offered by Accolend in Snohomish County depend on the type of loan. Generally, our loans range from $115,000 to $8 million. If you have a specific project in mind, reach out to our team for tailored financing options.

Sales Team Phone

201-643-6650 x 1 Email

sales@accolend.com