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201-643-6650
Lowest cost of Capital lender
Our investors recognize Accolend for low rates, no points and client friendly service.
We deliver fast and no‑suprises loan closing.
Purchase LTC
Up to 90%
Up to 65%
Up to 80%
Up to 80%
Construction LTC
Up to 100%
Up to 100%
Refi 75%
-
ARV
Up to 70%
Up to 65%
-
-
Rates, with points
From 5.99%
From 5.99%
From 5.99%
-
Rates, no points
From 7.5%
From 7.5%
From 7.5%
From 3.75%
Loan size
150k-15m
300k-15m
150k-15m
150k-2m
Property Type
SFR 1-4, MF 5+, MU
SFR 1-4, MF 5+, MU
SFR 1-4, MF 5+, MU
1-4 Family
Closing Time
5-12 days
7-15 days
5-12 days
30 days
Experience
Not required
Required
Not required
Not required
Min FICO
620
650
620
620
Term
Up to 18 months
Up to 24 months
Up to 12 months
30 years
Purchase LTC
Up to 80%
Up to 80%
Construction LTC
Refi 75%
-
ARV
-
-
Rates, with points
From 5.99%
-
Rates, no points
From 7.5%
From 3.75%
Loan size
150k-15m
150k-2m
Property Type
SFR 1-4, MF 5+, MU
1-4 Family
Closing Time
5-12 days
30 days
Experience
Not required
Not required
Min FICO
620
620
Term
Up to 12 months
30 years
FAQ
Are you a lender?
Yes, we are a direct lender.
What is total loan cost?
Cost is around $1,900. $150 paid for credit reports when deal terms are agreed upon and term sheet is signed by borrowers; $1,750 paid at deal’s closing.
Do you have any upfront fees?
No, we do not charge any fees upfront.
Please specify the loan fees?
Legal and Documentation fee, Background and Criminal report, servicing setup and wire fee.
Do you charge for application?
We do NOT charge application fee.
Loan type?
Non-owner occupied and investment properties strictly.
What type of properties do you finance?
1-4 family, Condos, Mixed use, Multifamily (up to 50 units).
How fast can you fund?
As little as 3-5 days, but typically 7-10 days.
LTV or ARV?
We lend based on cost. We DO NOT lend on ARV basis.
Do you offer 100% LTV?
We only finance up to 85% of purchase and up to 100% of rehab.
Do you allow 2nd liens on your loans?
We offer 2nd liens only if we are First Lien Holder.
Do you cross-collaterize loans?
Yes, we can cross colaterize existing loans to get higher LTV.
Minimum FICO score?
Minimum FICO Score of 620.
Criminal background?
Not allowed.
Citizenship?
Green Card Holder or US Citizen.
Personal guarantees?
Required.
Do you offer loans to LLC?
Yes, loan to LLC but with Personal Guarantees.
Can you lend to individuals?
Yes, we do but prefer to lend to LLC.
Personal loans?
We do NOT offer any personal loans.
Ground up construction?
Yes, we finance ground up. But previous ground up experience is required.
Information required for underwriting?
Tax returns, bank statements, real esate holdings, credit, background and criminal reports.
Do you need appraisal?
Yes, we do.
Commerical Real Estate?
We do NOT offer commerical real estate loans.
Can a broker or another intermediary refer a client?
Yes, you can. Please give us a call to discuss how we can work together.
Where do you lend?
We lend in 40 US states, but we do not lend in AK, AZ, HI, ID, MN, NV, ND, SD, OR, UT.
What differentiates you from the other hard money loan lenders?
No points programs, low rates, great customer service, smooth execution and pragmatic underwriting.
Are you a hard money direct lender?
Yes, we a direct lender. We are private hard money lender but our rates are low and we don’t charge points so most clients don’t even consider our loans as hard money financing.
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