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Certain Lending

Lender
4.9 stars
141 Reviews

Markets served


Nationwide

Except the following states:

North Dakota
South Dakota
Vermont
West Virginia

Licenses


Company NMLS
#1716495
Additional info available at the NMLS consumer access website

More ways to connect


(206) 237-0105

About us


Certain Lending is a technology-driven lender dedicated to real estate investors. We lend nationwide on 1-10 unit residential properties including fix-and-flip, bridge, construction, and rental/DSCR loans—designed to meet the diverse needs of investors. Our intuitive platform streamlines the financing process, enabling quick closings and efficient draw funding. With a focus on transparency and reliability, we empower both new and seasoned investors to scale their portfolios confidently. Backed by deep industry expertise, we act as a true partner to our clients—offering responsive, high-touch service that ensures a smooth and supportive lending experience from start to finish.

Specialties


Hard/Private/Non-QM

Fix & Flip
DSCR (long-term rental)
Rehab for Buy & Hold
Bridge Loan
Foreign National Loan
Refinance (investment)

Reviews (141)


4.9 stars
141 Reviews
4.9 stars
141 Reviews
0.0 star
0 Reviews

reviewer image
5.0 stars
|
2 months ago
Reviewed by Ali Gonzalez Art
The house remodels went smooth I got everything done in 6 months. Thanks to Isreal and his team. I appreciate everything they helped me with.
reviewer image
5.0 stars
|
2 months ago
Reviewed by Michael Oziel
Israel was great to work with. I needed a fairly fast closing, even with a last-minute modification to the PSA Israel was able to pivot, and we closed in less than 20 days.
reviewer image
5.0 stars
|
2 months ago
Reviewed by Joe Strickland
Working with Certain Lending was a pleasure. As a home builder and land developer lending isn’t always easy or efficient. Working with Pepe and his team made the process go so smooth. They are so efficient and answer any questions or concerns right away. Their document portal was easy to navigate which helped keep track of what was still needed to close the loan. I couldn’t recommend Certain Lending any more to someone needing construction financing. Sincerely Joe S. Skyline Development LLC
reviewer image
5.0 stars
|
3 months ago
Reviewed by Chaitali Nandan
Israel and his team handled my transaction with great expertise. From the start they explained everything to prepare me for a smooth closing. There were so many things to take care of on this transaction as I was not available to do the closing in person and they thought of everything. It would have been so easy to miss one thing and that would cause delays. But their experience really showed and we were well taken care of. Thanks!
reviewer image
5.0 stars
|
3 months ago
Reviewed by Ruth Otengo
Eddie did Ana amazing job to help me get out my hard money loan. Timely and very professional. Was able to refinance my loan in less than a month. Thanks Eddie appreciate you
reviewer image
5.0 stars
|
5 months ago
Reviewed by Alan Sit
I have been working with Certain Lending for a quite a few years now. Alex Chin is my contact at Certain Lending and I just want to give him a shout out. He is professional, down to earth, and easy to work with. We have done some acquisitions and some DSCR loans in the past and they all have been smooth transactions. He does a good job of setting the expectation. Recently, I got a large apartment building under contract and I came to Alex for a quote. In the end; I move forward with another lender, but I appreciate Alex doing his best to try get to management to get me the best pricing possible for this deal. Even though this deal didn't work out with Certain Lending; I plan to shop new deals with them in the future!
reviewer image
5.0 stars
|
5 months ago
Reviewed by Kelvin Jones
⭐️⭐️⭐️⭐️⭐️ Highly Recommended – Tim Is the Real Deal! Working with Tim and his lending company has been one of the best experiences I’ve had in real estate. From start to finish, Tim was professional, knowledgeable, and genuinely invested in helping us succeed. He communicates clearly, moves quickly, and always follows through on what he promises, which is rare in this business. Tim even helped me out of a bind when another company screwed me over the week of a closing. I called Tim and he was able to step in, took over of the situation, and made sure everything stayed on track. That alone speaks volumes about his character and his commitment to his clients. What I appreciate most is that Tim doesn’t just provide financing… he provides solutions. He understands the investment side, he understands timelines, and he goes above and beyond to make sure the numbers work. Whether you’re a first-time investor or experienced in real estate, Tim makes the process smooth, transparent, and stress-free. If you’re looking for a lender who is trustworthy, responsive, and truly cares about their clients, Tim is your guy. I can’t recommend him enough.
reviewer image
5.0 stars
|
7 months ago
Reviewed by Beste Filiz
Israel and his team are fantastic! Israel is super responsive, professional, and friendly. I had to change the type of my loan and the loan amount at short notice and Israel was incredibly accommodating. We had to do a complicated reverse 1031 exchange and Israel and his team worked with the 1031 team seamlessly. Their platform is super easy to use. Israel was also personally very reassuring during a very stressful experience. I would be thrilled to work with him again and recommend him to other investors.
reviewer image
5.0 stars
|
2 months ago
Reviewed by Ali Gonzalez Art
The house remodels went smooth I got everything done in 6 months. Thanks to Isreal and his team. I appreciate everything they helped me with.
reviewer image
5.0 stars
|
2 months ago
Reviewed by Michael Oziel
Israel was great to work with. I needed a fairly fast closing, even with a last-minute modification to the PSA Israel was able to pivot, and we closed in less than 20 days.
reviewer image
5.0 stars
|
2 months ago
Reviewed by Joe Strickland
Working with Certain Lending was a pleasure. As a home builder and land developer lending isn’t always easy or efficient. Working with Pepe and his team made the process go so smooth. They are so efficient and answer any questions or concerns right away. Their document portal was easy to navigate which helped keep track of what was still needed to close the loan. I couldn’t recommend Certain Lending any more to someone needing construction financing. Sincerely Joe S. Skyline Development LLC
reviewer image
5.0 stars
|
3 months ago
Reviewed by Chaitali Nandan
Israel and his team handled my transaction with great expertise. From the start they explained everything to prepare me for a smooth closing. There were so many things to take care of on this transaction as I was not available to do the closing in person and they thought of everything. It would have been so easy to miss one thing and that would cause delays. But their experience really showed and we were well taken care of. Thanks!
reviewer image
5.0 stars
|
3 months ago
Reviewed by Ruth Otengo
Eddie did Ana amazing job to help me get out my hard money loan. Timely and very professional. Was able to refinance my loan in less than a month. Thanks Eddie appreciate you
reviewer image
5.0 stars
|
5 months ago
Reviewed by Alan Sit
I have been working with Certain Lending for a quite a few years now. Alex Chin is my contact at Certain Lending and I just want to give him a shout out. He is professional, down to earth, and easy to work with. We have done some acquisitions and some DSCR loans in the past and they all have been smooth transactions. He does a good job of setting the expectation. Recently, I got a large apartment building under contract and I came to Alex for a quote. In the end; I move forward with another lender, but I appreciate Alex doing his best to try get to management to get me the best pricing possible for this deal. Even though this deal didn't work out with Certain Lending; I plan to shop new deals with them in the future!
reviewer image
5.0 stars
|
5 months ago
Reviewed by Kelvin Jones
⭐️⭐️⭐️⭐️⭐️ Highly Recommended – Tim Is the Real Deal! Working with Tim and his lending company has been one of the best experiences I’ve had in real estate. From start to finish, Tim was professional, knowledgeable, and genuinely invested in helping us succeed. He communicates clearly, moves quickly, and always follows through on what he promises, which is rare in this business. Tim even helped me out of a bind when another company screwed me over the week of a closing. I called Tim and he was able to step in, took over of the situation, and made sure everything stayed on track. That alone speaks volumes about his character and his commitment to his clients. What I appreciate most is that Tim doesn’t just provide financing… he provides solutions. He understands the investment side, he understands timelines, and he goes above and beyond to make sure the numbers work. Whether you’re a first-time investor or experienced in real estate, Tim makes the process smooth, transparent, and stress-free. If you’re looking for a lender who is trustworthy, responsive, and truly cares about their clients, Tim is your guy. I can’t recommend him enough.
reviewer image
5.0 stars
|
7 months ago
Reviewed by Beste Filiz
Israel and his team are fantastic! Israel is super responsive, professional, and friendly. I had to change the type of my loan and the loan amount at short notice and Israel was incredibly accommodating. We had to do a complicated reverse 1031 exchange and Israel and his team worked with the 1031 team seamlessly. Their platform is super easy to use. Israel was also personally very reassuring during a very stressful experience. I would be thrilled to work with him again and recommend him to other investors.

Our Team


Hayden Whaley