How Hard Money Loans Work: Casa Lending's Real Estate Financing Process
A Comprehensive Guide: From Loan Application to Final Repayment
The Hard Money Loan Process: Application to Repayment
Apply for a Hard Money or DSCR Rental Loan
Start by completing our simple online hard money loan application. Whether you are applying for a fix and flip loan, a new construction hard money loan, a portfolio loan, or a DSCR rental loan, our team is ready to guide you from the first step. The application is built for real estate investors and takes only minutes to complete.
Review Your Loan Term Sheet
Once we have reviewed your initial details, we issue a term sheet outlining your loan amount, rate, term, and conditions. Casa Lending's terms are transparent and builder-forward. No surprises, no hidden fees.
Fast Underwriting & Document Review
The hard money closing process at Casa Lending is designed to move faster than traditional lenders and banks. Our underwriting team reviews your project details and documentation quickly so your timeline stays on track.
Loan Closing — Move Fast, Stay on Schedule
With closings in as little as 5 days, Casa Lending is designed to move quickly and meet your deadlines. Our team coordinates every step so you can fund your project and get started without unnecessary delays.
Draw Management for Construction & Rehab Projects
For construction and rehab loans, Casa Lending's dedicated servicing team manages draw disbursements to keep your project funded at every phase. Log into the borrower portal 24/7, choose your draw amount, and submit photos directly from your phone. No app download required. Most draws are approved within 12 business hours and funds arrive within 4 business hours of approval via wire. For borrowers who move fast, we move faster. Funds often arrive the same day you request them.
Flexible Loan Repayment for Your Exit Strategy
When your project is complete, Casa Lending makes loan repayment straightforward. Whether your exit strategy is a sale, a refinance, or a hold using the BRRRR method, our flexible repayment terms are structured around your investment approach.
Why Real Estate Investors Choose Casa Lending
Flexible Hard Money Loan Amounts for Every Project Size
Casa Lending offers hard money loans from $50,000 to $10 million, giving real estate investors flexibility across project types and scales. Whether you are funding a single fix and flip or building a pipeline of new construction projects, our loan amounts and terms adapt to your business.
Local Market Expertise Across the U.S.
Our territory managers are stationed across the United States, bringing local real estate market knowledge to every hard money loan we write. This on-the-ground expertise helps investors make faster, more informed decisions and helps deals close on time.
Keep Capital Working Across Multiple Investments
Casa Lending's real estate financing solutions are built to keep your capital productive. By moving quickly from application to closing, we help investors reduce downtime between projects and maintain momentum across fix and flip, construction, and rental portfolio strategies.
Hard Money Loan FAQs: Common Questions Answered
Explore answers to common questions about real estate financing, construction loans, and their advantages. We aim to make the process as straightforward and accessible as possible for you.
To apply for a loan, simply fill out our online application form and provide the necessary documentation. Our team will review your application and get back to you with a decision.
Loan requirements at Casa Lending vary by program. Generally, we need a credit history and property information to proceed with financing. Our comprehensive guidelines are designed to give you confidence and clarity throughout the process.
The time it takes to process your loan application depends on its completeness and the complexity of your project. We strive for efficiency to meet your needs promptly and effectively.
Interest rates are determined by the loan amount, term, and the borrower's creditworthiness. For current rates, please contact our team. We provide competitive rates that align with your financial objectives.
Our loan terms range from 3 to 24 months, tailored to fit your project's specific needs. We collaborate with you to find the ideal term that will support your success.
We offer loans ranging from $50,000 to $10 million, depending on qualifications and the scope of the project. Discuss your funding needs with our team for customized solutions.
Eligible borrowers must have a minimum credit score of 600, proof of assets, and a solid track record in real estate investment. Our team is ready to walk you through the specific requirements to help you achieve your goals.
By choosing Casa Lending for your fix and flip or new construction financing needs, you can benefit from our fast and flexible capital, competitive rates, and dedicated support throughout the loan process.
Yes, we offer pre-approval for qualified borrowers. Pre-approval can give you a better understanding of your budget and increase your chances of securing financing for your project.
Need More Information?
For additional inquiries, feel free to reach out. Our team is committed to helping you with any questions you may have.
Start the loan process today.
Whether you're planning to bid on a new property or preparing for future investments, initiate the conversation with Casa Lending today. Let us help turn your real estate visions into a reality.