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Hard money lenders in Massachusetts

Browse 198 lenders offering hard money loans in Massachusetts as of November 13, 2026. Compare NMLS numbers, specialties and markets served.

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All 198 lenders offering hard money loans in Massachusetts

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  • Joshua Sprague NMLS 2278722

    NMLS #2278722

    • Conventional & Gov.
    • Hard/Private/Non-QM

    I'm an investor and a lender, in that order. I own rentals, flip houses, and look at every deal the same way you probably do: Does it make sense? Does it cash flow? What's the best way to structure it? Because I'm actively investing myself, I understand the challenges that come with finding deals, raising capital, managing cash flow, and choosing the right financing strategy. My goal isn't just to get you to the closing table—it's to help you build wealth and be someone you can bounce ideas off long before you're ready to buy. I primarily help investors with DSCR loans, fix-and-flip financing, bridge loans, commercial and multifamily financing, construction loans, and portfolio growth strategies, but I also work with first-time buyers, owner-occupants, and experienced investors using conventional, FHA, VA, USDA, jumbo, and other financing options. Whether you're buying your first rental or your fiftieth, I'm always happy to talk shop, run through a deal, or help you find the financing that makes the most sense for your goals. Cheers to a brighter future and BiggerPockets!

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  • Lakewood Business Capital Inc

    No NMLS on file

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +8 more

    Lakewood Business Capital Inc. is a nationwide private, direct lender, we provide retail and wholesale lending options for short-term fix and flip financing, long-term DSCR financing, and ground-up construction financing for real estate investors . We also partnered with leading lenders and investors to come up with an all around solution to small business challenge of financing. We have a cutting-edge technology to evaluate your business based on its actual performance, not personal credit. We created a quick and easy process to borrow money. We will jump through hoops to give your business the funds it needs to grow today.

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  • Lendevity, Inc.

    NMLS #1740672

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Conventional Loan
    • +13 more

    Lendevity is a wholesale mortgage broker partnered with over 60 highly rated lenders in the nation. We offer more options compared to the cookie-cutter solutions provided by traditional banks. Our access to a wide range of lenders and loan products allows us to tailor solutions to fit the unique needs of each client. This flexibility ensures that we can find the most cost-effective and suitable mortgage options, even in complex situations. Plus, we can shop for lower rates on the wholesale lending side, ensuring the best possible deal for our clients. Furthermore, our team is comprised of industry experts with over 30 years of experience. We help you orchestrate the transaction from start to finish. You have us in your corner to handle underwriting, realtors, title, escrow, and closing, so you can continue with your day-to-day life while buying or refinancing your home. Loan Products: - HELOC / HELOAN - DSCR - Ground Up Construction - Multi Family (5+ Units) - Purchase Home Loans - Refinance - Reverse Mortgage - FHA & VA - Bank Statement Loans - Portfolio Blanket Loans (2 or more homes under 1 umbrella mortgage) - Asset Depletion - Private Money - Fix & Flip We’d love to give you more details and provide a no-obligation quote, all without affecting your credit score. Interested in finding out how much you could qualify for? Let’s get you started!

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  • Lenten Mortgage Advisors @ Edge Home Finance

    NMLS #2542333

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +11 more

    Real Estate wealth is built with actual numbers, not just “trust me”. We help investors understand what the numbers mean, determine what works and build a personalized financing strategy around their long term goals. Every investor, property and portfolio is different instead of starting with a loan product. We start by understanding the deal cash flow, available Capital, monthly payment, reserves, timeline and future plans. From there, we structure financing that works for the investment today without losing sight of what you want to build next. As a mortgage broker, we can compare multiple lenders, programs and loan structures to find the right fit. My financing options include DSCR, conventional investment property loans, renovation loans, bridge, and fix and flip financing, bank statement programs, cash out refinances and other alternative income solutions. We believe you should understand the full picture before making a decision, including the rate, cash required, prepayment penalties, and potential trade-offs. If the numbers work, we’ll show you why if they don’t I’ll tell you that too. Whether you’re purchasing your first rental or expanding an established portfolio the goal is the same understand the deal, structured the financing and build a lasting wealth with a plan that is personalized to you.

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  • LoanIQ Team|Powered by Loan Factory

    NMLS #320841

    5.0 (2) · BiggerPockets reviews

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +10 more

    Sharon Vasvani | LoanIQ Team | Powered by Loan Factory Serving real estate investors with the lending expertise to help you move quickly when opportunity strikes. 📩 Reach out anytime — "I'm happy to talk strategy, even before you're ready to close". Whether you are acquiring your first rental property, expanding your portfolio, or looking for creative ways to leverage your existing assets, we provide the guidance, speed, and financing expertise you need to move forward with confidence. Being investors ourselves we understand that timing and the right financing strategy can make the difference between securing a great deal and missing out. Our lending solutions, offer both QM and Non-QM loan programs for purchases, refinances, and cash-out loans, including: ✅ DSCR Loans ✅ Bridge & Alternative Financing Options ✅ Bank Statement Loans ✅ HELOCs (Home Equity Lines of Credit) ✅ Asset-Based Lending ✅ Home Equity 2nd Mortgages ✅ Fix-and-Flip & Private Money Loans ✅ Delayed Financing Solutions When you work with us you get to experience the power of Loan Factory, one of the nation’s highest-volume mortgage brokerages. Check out the 5,000+ 5-Star GOOGLE reviews to hear more about our competitive rates, streamlined service, and fully digital client friendly platform. Sharon Vasvani | NMLS # 1849781 | 2022 Top Originator - Scotsman Guide Call or text: 858-774-5204 | [email protected] |NMLS # 1849781

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  • MMC Lending

    NMLS #2812818

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +1 more

    Not Your Traditional Mortgage No tax returns. No W-2s. No traditional employment required. Real estate investors, self-employed borrowers, and high-net-worth individuals: this is your lender. No-Income Verification Home... Loan Rental Income Loan (1–8 Units) ...Deposit-Based Loan...Asset-Based Loans...Super Jumbo & Elite Mortgage Loans

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  • Merchants Mortgage & Trust Corporation LLC

    NMLS #148519

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +5 more

    With over 60 years of experience, Merchants Mortgage & Trust Corporation (MMTC) has been the private lender of choice for real estate investors across the United States. In 2022, MMTC completed a significant merger with a major global private equity firm. One of the fastest growing private lenders in the country, MMTC is headquartered in Denver, Colorado with offices in California, Arizona, Texas, and Oregon and currently lends in 42 States. We do not consider ourselves a typical private money lender and pride ourselves on what we call “The MMTC Experience.” For us, lending is about relationships and helping our clients throughout the entire loan process. From approvals to closings, our team works around the clock to ensure that our clients are given exceptional client service and the most competitive rates available. We take great pride in our ability to fund even the most complex transactions and specialize in non-owner-occupied fix & flip, ground-up construction, multifamily, bridge, and DSCR financing.

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  • Mike Stone Team - Three Point Mortgage

    NMLS #1120929

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +5 more

    Mike Stone has been helping individuals and families grow their wealth through real estate since 2012. He has built a niche in the house-hacking and real estate investment space, and he’s helped notable investors such as Scott Trench (@scott_trench, Author of Set for Life & CEO of BiggerPockets), Craig Curelop (@thefiguy, Author of The House Hacking Strategy), Rachel Richards (@moneyhoneyrachel, 2X Bestselling Author & Real Estate Investing Coach), and countless other members of the BiggerPockets community with their mortgage financing. Mike believes in a comprehensive mortgage process with education and transparency on financing options at the start of the process and ongoing monitoring and planning for optimal efficiency and wealth creation after closing.

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  • Modern Financial, LLC

    No NMLS on file

    • Conventional & Gov.
    • Hard/Private/Non-QM

    At Modern Financial, we redefine the landscape of finance with innovative solutions tailored to your unique needs. As a fully capitalized mezzanine finance lender and mortgage broker, we specialize in providing flexible, strategic funding solutions that empower businesses to grow and thrive. Our expertise lies in bridging the gap between traditional financing and entrepreneurial ambition. We offer a comprehensive suite of mezzanine finance options, designed to support mid-sized companies through their pivotal stages of growth. Whether you’re looking to expand operations, acquire new assets, or optimize your capital structure, Modern Financial delivers bespoke solutions that align with your strategic goals. In addition, our seasoned mortgage brokerage team is dedicated to navigating the complexities of real estate financing, ensuring you secure the best possible terms for your property investments. With a deep understanding of market dynamics and a commitment to exceptional service, we guide you every step of the way. At Modern Financial, we blend capital with creativity, expertise with innovation, to offer financing solutions that propel your business forward. Discover how we can partner with you to achieve your financial aspirations. Modern Financial – We finance the future

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  • MortgageRight

    NMLS #2027350

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +11 more

    Investor helping investors! I specialize in value-add and turn-key projects; with personal experience of 70+ flip/BRRRR projects completed since 2021. I have a passion for networking with and helping other investors buy property in Ohio. I offer a unique value proposition by combining lending experience with an active investing business. In addition to traditional options, I am experienced in many complex strategies including private lending, land contracts and subject to's. Whether you are a first-time investor looking to buy your first turnkey investment, or an experienced investor with a more complicated strategy, I would love to connect! I have an abundance mindset and regularly refer out vetted contractors and off market purchase opportunities I come across between Columbus and Cincinnati.

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Investment property loan types in Massachusetts

  • DSCR loans

    Qualify on the property's rental income rather than your own. Common for buy-and-hold investors with several properties or self-employed income.

  • Fix-and-flip loans

    Purchase plus rehab in one facility, drawn in stages as the work is signed off.

How to find a lender in Massachusetts

  • Use the BiggerPockets Lender Finder to match with lenders who fund the kind of deal you are doing in Massachusetts

  • Ask in the BiggerPockets forums, where investors name the lenders they have actually closed with

  • Check the NMLS number on any lender before you share financial details

  • Attend a local Massachusetts meetup and ask who other investors use

Investment property financing, explained

How many hard money lenders serve Massachusetts?

198 lenders serving Massachusetts offer hard money, private or non-QM loans, the category that covers hard money financing, as of November 13, 2026. Tell us about your deal and we'll match you with the ones who fit it.

What does a hard money loan cost?

Most hard money loans run 9 to 14% interest plus 1 to 3 points, with first-time borrowers usually at the higher end. Expect added fees for underwriting and rehab draws. Loans typically cover up to 70 to 75% of the after-repair value (often capped at 85 to 90% of purchase plus rehab), last about 12 months, and can close in 5 to 14 days, so plan your exit, a sale or a refinance, before you close.

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