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1st Nationwide Mortgage

Colorado Hard Money Loans

Hard money loans for Colorado real estate investors and developers. Asset-based purchase and fix-and-flip financing with fast close. Business-purpose lending, available in all 50 states.

Colorado Hard Money Loans

Hard money loans are short-term, asset-based loans secured by real property. Qualification is based on the property’s value and the deal’s exit strategy — not personal income documents, tax returns, or credit history. Colorado real estate investors use hard money financing for fix-and-flip acquisitions, bridge needs, lot purchases, and value-add projects where speed and flexibility matter.

Hard money loans are business-purpose loans — underwritten on the asset and the exit, not on personal income. We originate hard money loans across all 50 states.

Check Hard Money Loan Eligibility Talk to a Loan Specialist — (833) 350-9185

Common Uses

  • Fix-and-flip — purchase + renovation capital in one short-term loan
  • Bridge loans — short-term financing between a sale and a new purchase, or while permanent financing is arranged
  • Lot acquisition — builders who need fast close on buildable lots
  • Value-add multi-family — bridge financing during repositioning before DSCR refinance
  • Distressed property purchase — properties that don’t qualify for conventional financing due to condition

Typical Loan Terms

FeatureTypical Range
Loan amounts$100,000 – $5,000,000+
LTVUp to 70–75% ARV; up to 90% of purchase + rehab
Term6–24 months
Close time7–21 business days
Income docsNot required — asset-based underwriting
Pre-paymentNone on most programs

Frequently Asked Questions

Most hard money loans close in 7–21 business days. Repeat borrowers with demonstrated experience often close on the faster end. Rush closings in 5–10 days are available in some circumstances.
Credit is reviewed but is not the primary underwriting factor. Most programs have a minimum around 640 FICO. Strong property fundamentals, a clear exit strategy, and adequate equity can offset thin or imperfect credit.
Up to 70–75% of After Repair Value (ARV) for fix-and-flip deals. For purchase + renovation structures, up to 85–90% of total project cost. Loans on stabilized properties typically go to 65–70% of current appraised value.
Yes. Hard money loans are available on commercial, multi-family (5+), mixed-use, and 1–4 unit residential investment properties. Minimums and LTVs vary by property type.
Colorado is unusual. Foreclosure is non-judicial, but it runs through the county Public Trustee — a public official, not a private trustee as in most deed-of-trust states — under C.R.S. §38-38-101. After default the lender files a Notice of Election and Demand, and the sale is typically set 110 to 125 days later, putting the full process around four and a half months. Colorado also preserves a statutory post-sale redemption process for junior lienholders through the Public Trustee, which most non-judicial states do not. Verified as of September 2026.
Several do, and it is easy to miss because Colorado has no statewide real estate transfer tax. Home-rule resort municipalities levy their own — Aspen at 1.5%, Vail at 1%, and Telluride at 3%. On a $3,000,000 Telluride exit that is $90,000 payable to the town, separate from any other closing cost. If your deal is in a resort market, confirm the municipal rate before you model the exit rather than after. Verified as of September 2026.
Check Hard Money Loan Eligibility Talk to a Loan Specialist — (833) 350-9185

Hard money loans are business-purpose loans secured by investment real property. Not consumer mortgage products. Terms, LTV, and rates vary by deal. Not all properties or borrowers will qualify. 1st Nationwide Mortgage, NMLS 1281.

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Talk to a licensed loan officer about your options — no obligation.

Check Hard Money Loan Eligibility Call (833) 350-9185

Available Loan Programs

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