Your Questions, Answered

Frequently Asked Questions

Straight answers about hard money lending from a direct lender who does this every day. No jargon, no runaround — just the information you need to make smart decisions.

General

Qualification

Process & Timeline

Costs & Terms

Property Types

Still Have Questions?

Every deal is different, and the best answers come from a real conversation. Tell me about your project and I'll give you a straight answer — usually within 24 hours.

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Frequently Asked Questions

General

What is a hard money loan?

How is Harvey Capital Funding different from a bank?

Who typically uses hard money loans?

What areas does Harvey Capital Funding serve?

Is Harvey Capital Funding a direct lender or a broker?

Qualification

What credit score do I need?

Do I need real estate investing experience?

Can I get a loan if I'm self-employed or have non-traditional income?

Do you lend to LLCs and entities?

What do I need to apply?

Process & Timeline

How fast can you close?

What does the loan process look like from start to finish?

How are rehab funds disbursed?

Can I get pre-approved before I find a deal?

What happens if my project takes longer than expected?

Costs & Terms

What are your interest rates?

What are origination points?

Are there prepayment penalties?

What is the maximum loan-to-value (LTV) you offer?

Do you require an appraisal?

Property Types

What types of properties do you finance?

Do you finance new construction?

Can I finance a property that needs major rehab?

Do you lend on commercial properties?

Will you finance a property I plan to hold as a long-term rental?

Still Have Questions?