Hard Money Lending New Jersey
Your Fix and Flip, New Construction, Cash Out/Refinance Hard Money Lending Partner in New Jersey
As the premier private hard money lenders in NJ, Alpha Funding controls its own funds, enabling fast financing with prequalification within 24 hours and loan closings in as little as 7-10 days. We offer 12-month, interest-only bridge financing for the following programs: Fix and Flip, New Construction, Rental Property Financing, and short-term Cash Out/Refinance. Additionally, we provide term rental loans for buy-and-hold investors.
Your Lender for Private Hard Money Loans in New Jersey
Since starting our business in New Jersey in 2007, we have become trusted hard money lenders across the state. Each area of New Jersey—from the bustling urban markets to suburban neighborhoods—presents its own unique set of opportunities and challenges. New Jersey investors are resilient and resourceful, navigating the logistics of real estate with determination. Alpha Funding’s residential hard money loans are crafted to support their diverse needs.
As experienced private lenders in New Jersey, we take pride in the strong relationships we’ve built with top local appraisers, attorneys, and title agents, ensuring that our borrowers receive the best possible service in the New Jersey real estate market.
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If you have any questions or want to discuss an upcoming opportunity please call us and one of our team members will be glad to you assist you.
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Fast Fix and Flip Financing
The ability to spot a property in need and transform it into a sale-ready home requires both vision and capital. Alpha Funding’s fix and flip loans provide real estate investors the financing needed to purchase properties and complete rehab work, becoming the link to profitability in these projects. Our fix and flip loans have been a cornerstone of Alpha Funding’s offerings, supporting both experienced real estate investors and qualified first-time borrowers alike.
Speed is critical to seizing investment opportunities, and Alpha Funding delivers financing solutions that outpace traditional lenders. We can close loans in as little as three to four days when paperwork is in order, with an average closing time of just 10 days. Our loans cover up to 85% of the purchase price and 100% of rehab costs. For more information, including rates and requirements, please explore our fix and flip loan details.
New Construction
Quick and flexible underwriting is essential to keeping new construction projects profitable under various seasonal and market conditions. Alpha Funding offers new construction loans to New Jersey investors, contractors, and builders seeking a faster, more flexible financing solution than conventional lenders can provide. These loans are available to experienced investors, who can borrow up to 70% of the land value and 100% of construction costs.
Our construction loan underwriting criteria in New Jersey are flexible, with no minimum credit score requirements, and borrowers can count on our commitment to only issue loans we believe will benefit all parties involved. For more information on rates and requirements for these 12-month new construction loans, click here.
Reliable NJ Rental Loans
Alpha Funding now offers long-term rental loans designed for buy-and-hold investors of 1-8 unit properties. These private rental loans offer a streamlined, doc-light approach, with competitive rates starting as low as 5% and leverage up to 80%. Our flexible underwriting and unique capital structure allow us to offer single rental loans up to $3M and rental portfolio loans up to $3M.
Alpha Funding provides a variety of New Jersey loan options, including 30-year amortization, ARM, and interest-only options. Whether you’re an experienced investor or working on your first rental property, Alpha Funding’s team of experts will work with top local appraisers, title agents, and attorneys to deliver an outstanding experience. If you’re ready to expand your rental portfolio with NJ rental loans, contact us today.