WFC Lending
Hard Money Loans
Close in as few as 3–10 days — no minimum credit score.
Our flagship hard-money program funds investment real estate on the strength of the asset, not red tape. Built for speed when a deal can't wait.
How hard money financing works
Apply
Share the deal — the property and its numbers. We underwrite on the strength of the asset, not a personal financial deep-dive, and there's no minimum credit score.
Close & Fund
Once underwriting clears, we close and fund — typically in 3–10 days, so a deal that can't wait doesn't have to.
Interest-Only Through the Term
Make interest-only payments for your loan's term — 6–36 months — then repay or refinance once your exit is ready.
Program highlights
- 1st lien position only
- Interest-only payments
- Asset-based "common-sense" underwriting
- $100K – $25M loan size
- 6–36 months terms
- Closings in 3–10 days
Eligible property types
Hard money loan FAQs
What is a hard money loan?
A hard money loan is short-term, asset-based financing secured by real estate. We underwrite primarily on the strength of the property rather than conventional bank criteria, which lets us close far faster than a traditional lender.
How fast can you close?
Hard money loans close in as few as 3–10 days once underwriting clears.
Do you have a minimum credit score?
Hard Money has no minimum credit score — we underwrite primarily on the strength of the property, not a credit-score cutoff.
What fees should I expect?
Typical fees vary by property type: origination runs 0.00%–2.75% on residential deals (1.75%–2.75% on commercial), plus appraisal, underwriting, processing, and legal fees — see the fee table below for exact residential vs. commercial ranges. Exact fees are confirmed in your term sheet.
Typical fees
Fees shown where stated. Rates, fees, terms, and timelines are subject to change without notice.