Massachusetts Hard Money Lender

Rates Starting at 10%

West Forest Capital is a Massachusetts hard money lender, financing real estate investments up to $3 million. We have gained a reputation as the fastest hard money lender in Massachusetts because we know how critical each day is in Massachusetts’ competitive real estate market.

  • We are a direct lender, not a broker
  • Same day pre-approval
  • Funding in 3-5 days, although 1 day is possible
  • Loan amounts up to $5 million

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Property Types

Lending Parameters

Loan Size$100,000 to $5,000,000
LTCUp to 80% of purchase price
Rehab Funding 100%
LTVUp to 70% of the ARV
TermStandard is 12 months. 24-36 months is available
LienFirst lien; second lien as additional collateral only
Interest Rate 10%–12.5%
Points1.5–2% of the loan amount

Recently Funded Hard Money Loans

Jersey City, NJ
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Jersey City, NJ

Case study: Newark property rehab
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Newark, NJ

Elizabeth, NJ
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Elizabeth, NJ

Why Use a Hard Money Loan

  1. If you need funding fast. While a typical bank may take months to review your loan application, West Forest Capital offers same day hard money loan approval, and funding within 3-5 days.  In an emergency situation, we can even fund in 1 day!
  2. If the property isn’t stabilized. Sometimes, it’s not a question of time, but it’s the actual property that a traditional bank won’t finance.  Examples include a property that requires rehab, missing a Certificate of Occupancy (CO), or does not have a strong rental history.  Hard money lenders such as West Forest Capital will be able to fund the property when a bank can’t.
  3. If you have poor credit.  West Forest capital understands that events that negatively influence one’s credit score can happen from time to time.  Therefore, we mostly consider the value of the property, rather than FICO score or debt-to-income ratios when considering funding a loan.
  4. If you don’t want to take a loan in your personal name.  A traditional bank is likely to require that a property is owned directly by an individual they are making the loan to.  If you would like to own the property in an LLC, or if you own too many properties for a bank to finance you personally, a hard money loan is a great option.
Massachusetts Hard Money Lender

Why Choose A Massachusetts Hard Money Lender

We love Massachusetts and are proud to be a Boston area hard money lender! We are very familiar with the vibe of Back Bay, history of Beacon Hill, and the energy of the Seaport.  You won’t need to explain to us that Somerville, Cambridge, and Jamaica plain have seen vast price appreciation in recent years.  If you need a hard money loan in the Boston area suburbs – Ashland, Brookline, Framingham, Newton – you name it, we are right here to help you secure funding.  

But we don’t stop there.  If you’re looking for a hard money loan in Cape Cod, there’s great news: we provide hard money loans on the cape too! So if you’re looking to flip a property in Hyannis, Falmouth, Brewster, Chatham, Dennis, Orleans (there are a lot of towns aren’t there?) rest assured you’ll get the funding you need.

Massachusetts Investment Property

Financing your Massachusetts Investment Property

Bucking nationwide trends of movement away from northern states, Massachusetts has grown substantially in population and economic prosperity in the last several years. Many healthcare, technology, and financial services companies are located MA and take advantage of the highly educated population originating from the vast supply of colleges and universities in the area.

Massachusetts offers real estate value stability, while allowing for appreciation upside due to the population growth in many areas surrounding the city of Boston.

Asset-backed Lender Focused on Customized Solutions

With our knowledge of the Massachusetts fix and flip market, West Forest Capital is able to structure creative transactions that fit your hard money financing needs.  We fund loans based on the value of the asset so in some cases we were even able to finance more than 100% of the purchase price and rehab amount. 

West Forest Capital also offers the longest hard money loan available on the market (3 years), ideal for buy and hold investors.

Give us a call or apply for a loan today!

Borrower interview

Interview with our client, Mike, in Massachusetts

Listen to our interview with Mike, a software engineer from Massachusetts, who started in real estate to provide himself with some passive income.

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We Value our Broker Relationships

West Forest Capital is the fastest Hard Money Lender in Massachusetts

Massachusetts Hard Money Lender

We can fund hard money loans in 3–5 days

If you are looking for a Massachusetts hard money lender, give us a call

Submit a loan request

A Massachusetts direct lender you can rely on

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