Residential Loans > Hard Money Loans
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Asset-based lending, simplified.
At GreenBridge Loans, we understand the unique challenges and opportunities facing residential real estate investors today. Our mission is to provide flexible, fast, and fair financing solutions to help you achieve your investment goals. Whether you are looking to acquire, refinance, or rehabilitate SFR's, condos, townhouses, or multifamily properties, we are here to empower your success.
Less restrictions, fast funding.
No minimum credit score
We believe in your investment, not just your credit history. Our residential hard money loans are designed with your needs in mind, focusing on the value of the assets rather than your credit score. This approach ensures that more investors have access to the financing they need, when they need it.
Asset-based expertise
Our expertise in asset-based lending allows us to provide loans tailored to the specific needs of SFR, condo, townhouse, and multifamily properties. We evaluate the potential of your investment, offering loans that reflect the value and opportunities of your property
Transparent & Fair Practices
Trust is the cornerstone of our business. At Greenbridge Loans, we pride ourselves on our transparency, integrity, and commitment to fair lending practices. We offer clear, straightforward terms and are always available to answer your questions and provide guidance throughout the loan process.


Residential Hard Money Loan Program
Basic Guidelines & Qualifying Criteria
Understanding the nuts and bolts of this program is the first step toward leveraging the opportunities in front of you. From condos to multifamily, our program is crafted to support a wide range of property types, providing the flexibility and speed needed in today's market.
Trust is the foundation of any successful partnership, and at GreenBridge Loans, we build that trust by offering transparency and support through every step of the way. Our lending guidelines are designed to be clear and straightforward, ensuring you know exactly what it takes to qualify for a loan with us. With no minimum credit score requirements and a focus on asset-based lending, we open the door to possibilities that traditional financing options might leave closed.
Whether you're looking to purchase, refinance, or rehabilitate, our residential Hard Money Loan Program is structured to align with your objectives, offering tailored solutions that pave the way for your success. Let's embark on this journey together, transforming your real estate ambitions into tangible achievements with a trusted financial ally by your side.
$250,000
$20,000,000
65%
Minimum Loan
Maximum Loan
Maximum LTV
No minimum
OK
OK
Credit Score
Foreclosure
Bankruptcy
10.75% +
12 Months
Interest-Only
Rates
Terms
Payments
Lending Territory
The residential hard money loan program is currently available in most states, each listed below. We prefer major metro areas and their surrounding suburbs, however, we will consider all property locations except for rural.
Approved States
Alabama
Arkansas
Colorado
Connecticut
Delaware
Florida
Georgia
Indiana
Illinois
Maine
Maryland
Massachusetts
Michigan
Missouri
New Hampshire
New Jersey
New Mexico
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Virginia
Washington
Washington, D.C.
West Virginia
Wisconsin


How does the funding process work?
Pre-qualify
The first step is the most important, discovering if your unique scenario qualifies for a Residential Hard Money Loan. This can be done in under 3 minutes right here on our website without any sensitive information; our main focus will be on the property. You can call us toll-free at 888-860-3612 to discuss your scenario with a Loan Advisor.
Loan Approval
Once you've been prequalified you'll receive a detailed quote, along with your loan application. After completing and e-signing your loan application you'll receive access to our loan portal where you can upload all required documents necessary to pre-underwrite and approve your loan.
Appraisal
Once we've issued your loan approval, the next step is a property appraisal. While we wait for the completed appraisal report, we're still actively working on preparing your loan for funding. We use this time wisely, and to our benefit, by working to clear any final conditions, such as updating your property insurance policy.
Funding
The big day! The good news is that we make closing simple and straightforward. Just pick a day, time, and location that works best for you and the closing attorney or title company will send a settlement agent to meet you with your closing package. We make sure that your Loan Advisor will be available during closing in the event you have any specific questions.
Ready for your custom Hard Money Loan quote?
Pre-Approval will not impact credit.
QUICK QUOTE: Hard Money Loan
Please complete all required fields below to generate your Quick Quote. There is no sensitive information required to receive initial loan pricing and terms. To ensure accuracy, please answer all questions to the best of your ability as it will directly impact loan pricing.
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What credit score is required for a stated income loan?Options are available for applicants seeking no minimum credit score, and it will depend on the loan-to-value (LTV) ratio and property type. There is no minimum credit score required if the LTV is 50% or less. For LTVs between 50.01% and 60%, a minimum credit score of 600 is needed. If the LTV exceeds 60%, a credit score of 650 is required.
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What types of commercial properties are eligible for stated income loans?Commercial: multifamily (5+ units), mixed-use buildings, office spaces, retail properties, warehouses, and self-storage facilities.
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What does “stated income” mean?Stated income loans allow borrowers to qualify without providing traditional income verification documents.
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What is the minimum loan amount for stated income loans?For commercial real estate there is $250,000 minimum loan amount. For residential investment properties we have a $75,000 minimum loan amount.
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What loan terms are available?Loan terms can be up to 30 years, with both fixed rate and interest-only rate options.
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Is there a maximum loan amount for stated income loans?The maximum loan amount is $6,000,000 for commercial real estate.
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What is the loan-to-value (LTV) ratio for stated income loans?The maximum LTV is 75%. The maximum combined loan-to-value (CLTV) is 90%, which only applies if you have, or will have, a second mortgage.
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Do you have a minimum occupancy rate?Yes, at least 70% of the units must be rented. For example, a 20-unit multifamily building would require at least 14-units (70%) to be currently rented to tenants.
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What documents are required to apply?We offer light documentation. Standard documents include a completed loan application, photo ID, proof of property insurance, and lease agreement(s). Additional documentation may be required depending on the specifics of your scenario.
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Are stated income loans available for self-employed individuals?Yes, self-employed individuals often benefit from this program since no tax returns are needed.
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How long does it take to get approved?Approvals can be issued within 48 hours, with funding timelines varying based on loan conditions.
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Can I use a stated income loan for commercial properties?Yes, these loans are a great option to finance commercial properties. Fixed rates allow for stability and predictable cash flow.
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Are there prepayment penalties?Prepayment penalties may apply depending on the loan terms.
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What industries are eligible for stated income loans?Any borrower meeting the credit and property requirements can qualify, regardless of industry.
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Can I refinance with a stated income loan?Yes, stated income loans can be used for refinancing.
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Do stated income loans require a down payment?Yes, down payment requirements vary based on the LTV and credit score.