(866) 531-3885



Equity-Based Private Money Loans for Residential and Commercial Real Estate Purchases and Refinances

JPM Financials provides equity-based, private hard money loans for residential and commercial real estate of all types. We have programs for borrowers that need hard money, private money, or a bridge loan in 10 days or less.


JPM Financials is the leader in residential and commercial real estate loans for purchasing and refinancing. Contact us today to apply for equity-based loans.

Our Hard Money Loan Parameters

We have easier guidelines, more flexible terms, and a faster, simpler process than conventional loans:

  • Residential Property Types – Fix and flips, as well as buy and holds (non-owner occupied).
  • Commercial Property Types – Industrial, office, retail, apartment complexes (5+ units), shopping centers, restaurants, mixed-use, automotive, hotel, special purpose, land, gas stations, and specialty properties.
  • Up to 75% of costs, including purchase and rehab
  • Up to 65% Loan-to-Value
  • Loan amounts from $75,000 up to $10,000,000
  • From 6 months to 10 years – interest-only, partially-amortized, and fully-amortized loans
  • No limit on the number of properties we will fund
  • We will loan to individuals, corporations, trusts, LPs, IRAs, and LLCs

We specialize in the immediate funding of loans to borrowers with cash down or existing real estate equity.

If you are buying REO, short sale, or other distressed properties, our private money loans will provide the money you need to buy and fix up the property to either sell it quickly or to hold onto it for a rental.

With a hard money loan, you can receive the necessary funds much more quickly and easily than with a conventional loan, so you can take advantage of opportunities as they arise. We will structure our hard money loan according to your wants and needs. We are as good as an ALL CASH offer, freeing you to make the offer and then use our money.

If you want to be even more prepared, we can pre-qualify you for a private money loan and provide pre-approval letters for your offers. Getting pre-approved and even funded for a hard money loan with JPM Financials will not take more than 10 days from the receipt of a complete loan application.

Private Money Loans for Residential Buyers

At JPM Financials, we provide hard money loans to residential, non-owner occupied buyers nationwide. Two of our most popular loan programs are the Buy and Hold program and the Fix and Flip program. The Buy and Hold program suits the needs of the investor looking for long-term fixed income potential. The Fix and Flip program was designed to assist investors looking to rehab and sell property. Fix and Flip loans are a specialty of ours and we work with many real estate investors who fix and flip homes on a very regular basis.

We offer both interest-only and term loans for up to 10 years, allowing you to choose a payment schedule that best fits your needs. There is no limit on the number of properties we will finance for you and we move quickly to ensure you can take advantage of those special opportunities as they arise and not be delayed by funding challenges.

Buy and Hold Hard Money Loans

Investors looking for income or looking to build a real estate portfolio while the market is strong can benefit from our buy and hold hard money loans. These loans allow buyers to borrow for the purchase of a rental property. We understand the need to move quickly when opportunities arise. Our application, appraisal and approval process can be accomplished in just a few days to ensure you are able to negotiate effectively with the property holder.

We can provide long term financing of up to 10 years, with partial or full amortization.

Fix and Flip Hard Money Loans

If you’re an investor or flipper interested in buying properties that require all cash or hard money to fix and flip, consider our Fix and Flip hard money program. Our Fix and Flip private money loans provide up to 75% of the project cost, which is the purchase price plus the cost of the rehab. These loans have no prepay, which allows you to sell the property as quickly as you can.

Hard Money Loans for Commercial Buyers

Business owners, trusts, corporations and private partnerships often secure hard money loans for their commercial property needs. These private money loans can be used to rehabilitate or pay off mature notes on these commercial properties. These are often known as bridge loans or gap loans.

As a hard money lender with years of experience in the commercial lending sector, we understand the needs of business owners and investors. We will work with you to make sure that your commercial hard money loan meets your needs and offers the best rates at reasonable terms.

Our Commercial Hard Money & Bridge Loan Parameters:

  • Property Types: Industrial, office, retail, apartment complexes (6+ units), shopping centers, restaurants, mixed-use, automotive, hotel, special purpose, land, gas stations, and specialty properties.
  • Loan Amounts: $75,000 – $10,000,000
  • Term: 6 months to 10 years – interest-only, partially-amortized, and fully-amortized loans available
  • Loans are available to individuals, trusts, corporations, and limited partnerships

Choosing a Hard Money Lender & Applying for a Hard Money Loan

Before you can apply for a residential or commercial hard money loan, you’ll need to choose a hard money lender. JPM Financials is a highly regarded and successful hard money lender with the expertise needed to help you pursue real estate financing nationwide. We’ll help you secure the hard money loan that you need.

To initiate the process, call us or fill out our Loan Submission Form. We can pre-qualify you quickly so you can spend your time finding and acquiring the right property. Call us today! 866.531.3885

26741 Portola PkwyFoothill Ranch, Ste. 1E #817, CA 92610 | (866) 531-3885

This funding program works directly with banks and business lenders to obtain the best

terms possible for each of our clients. We can help you access the capital you need to

finance your business and realize your dreams.

Copyright © 2021 | All Rights Reserved