U.S Hard Money

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Phone: 703-328-6464

Address: P.O. Box 241, Alexandria, VA 22314

Website: http://www.hard-money.us

Email: tom@hard-money.us

States They Lend In:

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming


Our Products
Historically, the core business of USHM has been in making direct Hard Money real estate loans with a primary emphasis on land loans. Current market conditions have caused us to redirect our focus. While we still make land loans, they MUST have contracts in place and/or a viable exit strategy.
To qualify, loans must be placed in the Continental United States and not exceed 50% of the real property’s LIQUIDATION value or purchase price or cost (LTV/LTC). The typical loan term is up to three years with no pre-payment penalty. Loans can range between $3mm to $100mm. Our ‘sweet spot’ loans are between $5mm to $10mm.


Loan To Value (LTV/LTC) is typically calculated to be the lesser of the quick sale value or the purchase price. For example, if you are able to purchase a property with a market value of $12mm for $6mm, the lower value is used for underwriting purposes. In this example we could lend between $3mm-$5.4mm. But there are exceptions. If you don’t have any money in the deal, your ability to get a Hard Money loan is slight.




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