No Points Hard Money Loan Programs

One of the key benefits of hard money loans is that they focus on the value of the property rather than your credit history. At Accolend, we require a minimum credit score of 620, which is significantly lower than what traditional banks require. This makes it easier for investors to get approved for fast real estate financing without having a perfect credit score.

The typical loan term for a hard money loan is 6 to 24 months, depending on your project type. Whether you are working on a Fix and Flip or a new construction, Accolend offers flexible terms that align with your investment timeline, helping you maximize returns.

Accolend offers hard money loans for various types of residential properties

• Single Family Homes
• Duplexes, Triplexes, and Quadplexes
• Multifamily Properties
• Mixed-Use Properties
• Condos and Townhomes

Accolend offers hard money loans with a maximum Loan-to-Cost (LTC) of 85%, which means you will need a 15% down payment for most real estate projects. This down payment is based on the project's purchase price and construction costs, ensuring you have the funds you need to complete your investment.

Accolend offers the most competitive rates in the industry for hard money loans, with interest rates typically ranging between 10% and 11% with No-Points. For DSCR loans, our rates start as low as 7%, providing investors with even more affordable financing for rental properties. As a true no-point lender, we ensure you don’t face additional upfront fees, maximizing your investment potential. Our no-points loans help you keep your costs low while securing fast, flexible financing for your real estate projects.

At Accolend, we pride ourselves on our fast closing process. You can close on a hard money loan in as little as 7-15 business days. This speed is ideal for real estate investors who need to act quickly in a competitive market.

Yes! Hard money loans are often used to refinance real estate properties. Whether you're looking to cash out on an existing investment or reposition your portfolio, Accolend’s refinance loans give you the flexibility to adjust your financing structure. With fast approval and flexible terms, refinancing with a hard money loan can help you scale your real estate portfolio. Hard money lenders play a crucial role in real estate investing, and Accolend is committed to providing capital with speed and efficiency.

Hard money loans are short-term, asset-based loans typically used by real estate investors. Unlike traditional bank loans, hard money loans focus on the value of the property you purchase or renovate, not your credit score or income. These loans provide quick access to capital for projects like Fix and Flips, Ground-Up constructions, or Bridge loans, making them ideal for those needing fast and flexible financing.