What is a Hard Money Loan?
Hard Money Loans from 12 Stone Consulting

12 Stone Consulting offers hard money loans to businesses and individuals who need quick and flexible financing. Hard money loans are asset-based loans, meaning that the loan is secured by the value of the underlying asset, rather than the borrower’s creditworthiness. This makes hard money loans a good option for borrowers who have difficulty qualifying for traditional bank loans. Hard money loans can be used for a variety of purposes, including:

Purchasing investment properties Renovating properties Refinancing existing debt Bridging the gap between buying and selling a property
12 Stone Consulting offers hard money loans with competitive interest rates and terms. We have a streamlined approval process and can close loans quickly. If you are considering a hard money loan, contact 12 Stone Consulting today to learn more about our options and how we can help you achieve your financial goals. Loans are usually up to 80% Loan-to-value (LTV) based on the After-Repaired-Value (ARV); 100% of acquisition/construction can be financed with no problem;

Both residential and commercial properties are allowed Low credit scores No income Foreclosure and bank REO properties Interest only and “no payment” options can be available

All loans must be for business or investment purposes no primary residences Cash-out refinances of land or existing structures. Here are some examples of how 12 Stone Consulting can help you with hard money loans:

Purchase a property that needs to be renovated: If you are a real estate investor, you can use a hard money loan to purchase a property that needs to be renovated before it can be sold or rented. Refinance an existing property with high interest rates: If you have an existing property with high interest rates, you can use a hard money loan to refinance into a new loan with lower interest rates. Bridge the gap between buying and selling a property: If you are buying a new property and need to sell your existing property, you can use a hard money loan to bridge the gap between the two purchases. Hard money loans can be a valuable tool for businesses and individuals who need quick and flexible financing. If you are considering a hard money loan, contact 12 Stone Consulting today to learn more about our options and how we can help you achieve your financial goals.