Bridge Loans

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Hard money doesn’t have to be difficult! Empower understands the value of fast closings. Ability to close quickly can be difference between making the deal and losing the deal. And because private money loans are short term in nature, you don’t have time to endure a long underwriting process. Empower is your source for simple, straightforward funding for your deals:

loans for real estate investorsloans for real estate investors

Empower Funding lends private funds to investors who are acquiring or own real estate with at least 25% equity (75% LTV). We will lend from $25k – $1M towards the acquisition and improvements on the property. We lend primarily in a first mortgage position.

auction lendingauction lending

Unlike most hard money lenders, Empower Funding lends to investors on the courthouse steps. In counties where Empower Real Estate provides foreclosure data, we lend to investors to make purchases at the local real estate auction. Investors can also work with the Empower Real Estate investor network and use Empower’s ForeclosureHub to make huge profits at the auction.

loan termsloan terms

Loan terms are dependent on the borrower(s) and the property. Origination points range from 2-6% of the loan amount. Most loans require interest only payments, with interest rates from 8-15%. All loans are short term, from 6-12 months.

approval requirementsapproval requirements

We take into consideration the value and condition of the property. We also take into consideration the investment plan, creditworthiness, income, assets and experience of the borrower(s).

loan termsloan criteria

  • Property Types
  • single family
  • residential construction
  • apartment complex
  • commercial buildings
  • Borrower Types
  • individual
  • trust
  • LLC
  • corporation
  • estate
  • partnership
  • Project Types
  • construction
  • rehab
  • mobile/land setup
  • must be on real property
  • raw land
  • land development
  • Property Condition
  • any
  • Loan Purpose
  • buy and hold
  • fix and flip
  • fix and rent
  • any real estate
  • secured inv. or biz loan
  • Loan Terms
  • 6 months to 2+ years
  • interest only payments
  • rates from 10 to 18%
  • typically 10% to 12.9%
  • fees based on contract term*
  • Approval Guidelines
  • no credit requirements
  • no income requirements
  • no prepayment penalty
  • realistic plan for repayment
  • (few exceptions apply)
  • Lending Areas
  • Washington
  • Oregon
  • Idaho
  • Colorado
  • California
  • Alaska (others considered)