ACC Mortgage

WE ARE THE LENDER!
We can do owner-occupied loans in most states. Residential & Commercial Lending To 80%
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AAMG

I have a “warehouse” full of hard/soft money capital to loan to you or your clients right now. Lots of deals fail when borrowers aren’t represented properly.. so we quickly assess your deal for its best shot. We have done deals even when a hard money lender turned down.
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Insula Group

Insula Capital Group is a hard money and commercial lender led by a team of property flippers and investors with decades of hands-on experience under our belt! We lend nationwide and underwrite in-house for closings as fast as 72 hours! Never get caught waiting on the funding you need again! First time investors are welcomed!
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Loan Mac

We normally close with NO APPRAISAL
We can CLOSE IN DAYS with minimal paperwork
Most Property types
Most loan purposes fixnflip, buy/hold, reposition, construction
We can handle last minute Non-QM, bank, or hard money fallout
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BANC

We are the BANK and lend in all 50 states.  
Many loans are bankable if structured correctly.  
Let our experts examine your situation.
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Posh Lending

“Commercial Real Estate Loans”
Hotel Loans
Construction and Mobile Home Park & Self Storage Loans 
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If you are buying an investment property remember that having “skin in the game” is crucial to getting your loan. The term “skin in the game” refers to having a vested interest in the property or investment. Every lender wants you to having something to lose if the loan goes south. Think of it like this, would you sell your house to someone for just a monthly payment with no money down. Sounds like a risky venture, right? Hard Money Lenders think the same way. Most lenders structure their loans based on a percentage of the quick-sale value of the subject property. This is called the loan-to-value or LTV ratio and typically hovers between 50-75% of the market value of the property. This changes with the economy, strength of the deal and borrower. The LTV can also go much higher if you have other properties to cross collateralize or other assets the lender may see as desirable. We have seen instances of a large wine collection, art and coins to name a few.
If you are looking for a hard money loan on an investment property, a hard money residential refinance, a land loan or a commercial transaction you need to talk to the lenders below. They can provide you with the facts on how to get your hard money loan. Most are strictly based on LTV (Loan-to-Value Ratio) and can fund quickly. They are waiting for your call and have money to lend you today.


Ditch the Bank Maze, Embrace the Bluegrass Boom: Hard Money Loans Made Easy

Kentucky’s investment landscape is ripe with opportunity, but traditional bank loans can feel like a dusty, dead-end trail. That’s where hard money loans come in, injecting your vision with the fuel it needs to blaze a trail of success.

Forget the endless paperwork and months-long waits. We’re your one-stop shop for connecting with multiple qualified hard money lenders across the Bluegrass State, all eager to back your ambitious plans.

Here’s how we make Kentucky hard money loans smooth as bluegrass:

  • One application, endless possibilities: Submit your loan details once, and we’ll match you with competing lenders vying for your business. No more county-by-county applications or wasted time.
  • Local expertise, statewide reach: Our network boasts lenders who know the Kentucky market inside-out, offering competitive rates and flexible terms tailored to your specific needs.
  • Speed is key: Forget months-long wait times. Our lenders understand the urgency of investment opportunities and can close your loan quickly and efficiently.
  • Flexibility matters: We cater to a wide range of borrowers and property types, from fix-and-flips and vacation rentals to land acquisition and commercial projects.
  • Transparency is our promise: No hidden fees or surprises. We believe in clear communication and upfront pricing throughout the process.

Focus on your vision, not the paperwork:

  • Let us handle the lender matching process, leaving you free to focus on your investment strategy.
  • Get competitive offers from multiple lenders, ensuring you secure the best possible terms and rates.
  • Experience stress-free financing with a simplified process that’s as smooth as a Kentucky bourbon.

Ready to unlock your Kentucky investment potential?

Fill out our quick online form and tell us about your dream project. We’ll connect you with the perfect hard money lender to fuel your Bluegrass empire.

Don’t wait any longer. Submit your loan request today and let’s get your Kentucky hard money loan journey started!

Our lenders serve all of the main metropolitan cities in Kentucky including:

Alexandria, Ashland, Bardstown,   Bellevue, Berea, Bowling Green, Buechel,  Burlington, Burning Springs,  Campbellsville,   Cannonsburg, Corbin,   Covington, Coxs Creek,  Cynthiana, Danville, Edgewood, Elizabethtown, Elsmere, Erlanger,   Fairdale, Fairdealing,  Fayette, Fern Creek,  Flaherty,  Flatwoods, Florence, Fort Campbell, Fort Campbell North,  Fort Knox,   Fort Mitchell,    Fort Thomas,   Frankfort, Franklin, Georgetown, Glasgow, Grants Lick, Harrodsburg,   Hebron, Henderson, Highland Heights, Highview,  Hillview,  Hopkinsville,   Independence, Jeffersontown,  Keavy,  Leitchfield, Lexington-Fayette, Louisville, Lyndon, Madisonville, Mayfield, Maysville, Middlesborough,  Mount Washington,   Murray, Newburg, Newport, Nicholasville,   Oak Grove, Okolona, Owensboro,   Paducah, Paris, Pikeville, Pine Grove, Pleasure Ridge Park,   Princeton, Radcliff,   Richmond, Russellville, Shelbyville, Shepherdsville,   Shively,   Somerset, South Williamson,  Spottsville,  St. Dennis,  St. Matthews, Taylor Mill,Valley Station, Versailles, Villa Hills,   Winchester, and most others.

Most Kentucky Hard Money lenders structure their loans based on a percentage of the quick-sale value of the subject property. This is called the loan-to-value or LTV ratio and typically hovers between 50-75% of the market value of the property. This changes with the economy, strength of the deal and borrower. The Kentucky Hard Money lenders LTV can also go much higher if you have other properties to cross collateralize or other assets the lender may see as desirable. We have seen instances of a large wine collection, art and coins to name a few. 
If you are buying an investment property remember that having “skin in the game” is crucial to getting your loan. The term “skin in the game” refers to having a vested interest in the property or investment. Every Hard Money lender wants you to having something to loose if the loan goes south. Think of it like this. would you sell your house to someone for just a monthly payment with no money down. Sounds like a risky venture, right. Kentucky Hard Money Lenders think the same way.
Typically Kentucky hard money or private money loans close quickly with localized lenders. This is one of the most important parts of the equation. A local Kentucky lender knows your area and therefore has a greater comfort level. Many times a local lender can make a decision on the spot and forgo the appraisal and other due diligence factors a lender who is far away can’t. 
If you are looking for a hard money loan on an investment property, a Kentucky hard money residential refinance, a land loan or a commercial transaction you need to talk to the lenders below. They can provide you with the facts on how to get your hard money loan. Most are strictly based on LTV (Loan-to-Value Ratio) and can fund quickly. They are waiting for your call and have money to lend you today.