Lakewood Hard Money Loans
Lakewood’s diverse mix of residential neighborhoods, rental demand, and commercial redevelopment opportunities make it one of the most attractive investment markets in the Denver metro area. At Independent Home Financing, Inc., we offer Lakewood hard money loans designed to help investors close quickly, fund renovations, and build portfolios—without the delays and restrictions of traditional lending.
Whether you're flipping a fixer-upper in Edgewood, renting out a duplex near Belmar, or investing in commercial space along Colfax Avenue, our asset-based lending solutions are built for speed, simplicity, and results.
Why Hard Money Loans Are a Smart Fit in Lakewood
Lakewood is a fast-moving market where good deals don’t stay available for long. Traditional loans often take too long to process—especially for properties that need work or don’t qualify under conventional guidelines. That’s where hard money comes in.
Our Lakewood hard money loans provide:
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Fast approval and funding, often within a few days
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Financing based on property value, not your credit score
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Flexible terms tailored to short- or mid-term investment strategies
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Options for self-employed investors or borrowers with non-traditional income
If your focus is speed and flexibility, hard money lending is one of the most effective tools in your real estate toolbox.
Fast Funding
Hard money loans offer a quick and streamlined approval process, often providing funding within days rather than the weeks or months required for traditional loans. This speed is ideal for borrowers who need immediate access to capital for time-sensitive investments or expenses.
Flexible
Unlike conventional loans, hard money loans are asset-based, meaning the primary focus is on the value of the property used as collateral rather than the borrower’s credit score or financial history. This flexibility makes hard money loans accessible to individuals with credit challenges or inconsistent income.
Customizable
Hard money loans provide more adaptable repayment terms and can be tailored to meet a wide range of financing needs. Whether you're an investor looking to fund a short-term property flip or a business owner needing a bridge loan, the terms can be customized to align with your specific project goals and timeline.
Popular Investment Areas in Lakewood
We’ve helped investors close deals throughout Lakewood’s most active neighborhoods:
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Belmar and Green Mountain: Great for rental properties or value-add renovations in desirable residential areas
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Edgewood and Two Creeks: Prime for fix-and-flip strategies and BRRRR investors working with older housing stock
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Union Square and Kendrick Lake: Known for steady appreciation and demand among young professionals and families
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Colfax Avenue and Wadsworth Boulevard Corridors: Popular for small commercial and mixed-use properties that need fast acquisition and rehab financing
Hard Money Loan Programs in Lakewood
No matter your investment goal, we offer Lakewood hard money loan solutions to support it:
2nd Mortgage Hard Money Loans
Maintain your existing first mortgage and unlock equity to fund a new purchase, rehab, or business expense.
Bad Credit Equity Loans
If you have equity in a property but face credit challenges, we can still help you access fast funding.
DSCR Loans (Debt Service Coverage Ratio)
Perfect for income-producing rental properties. Approval is based on rental cash flow, not your income.
BRRRR Financing
We support each stage of the Buy, Rehab, Rent, Refinance, Repeat strategy—perfect for long-term investors.
Commercial Hard Money Loans
Need capital to purchase or renovate an office, retail, or light industrial property? We offer fast, flexible solutions for commercial real estate investors in Lakewood.
Common Hard Money Questions
Why Independent Home Financing, Inc.?
At Independent Home Financing, Inc., we bring deep experience and local market knowledge to every deal. We know the Lakewood area, and we know what investors need: fast closings, creative lending solutions, and a team that gets the job done.
With us, you get:
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Quick decisions—often within 24 to 48 hours
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Funding available in just a few business days
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A lender who looks at equity, not just your credit
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Strategic support for all types of investment properties
Take Action with Confidence
Lakewood offers the perfect mix of opportunity and momentum for real estate investors. Don’t let bank delays hold you back. A Lakewood hard money loan from Independent Home Financing, Inc. gives you the speed, flexibility, and local support you need to succeed.
Contact us today or apply online to get started.
How much do you qualify for?
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