Home Improvement

AHL Hard Money Network-Marketing understands how crucial it is to keep your home in great condition, as well the importance of rehabbing a property. We have a wide variety of investors to help you with home-improvement funding!  

Most hard money loans are relatively short-term funding from small private investors and come with higher interest rates. Terms usually only range from 6 months to five years. Credit history, income verification and debt-to-income ratios are not thoroughly evaluated, if at all.

Often times, hard money is a great option for those who wish to improve a property and/or “fix-and-flip”, as loan-to-value ratios (LTV) typically go by a property’s after repair value. Commonly referred to as an ARV, the property’s after repair value is an estimate of its worth after the completion of the improvements. Hard money lenders typically lend the 65-70% ARV range of a home. 

Hard money home improvement loans are more flexible than traditional loans, and they help homeowners acquire funding to complete construction and property renovation projects. 

The notion that hard money lenders calculate the value of a property after its improvements have been completed is far more different from the underwriting in the conventional mortgage industry. This allows borrowers a chance to acquire more funding from a hard-money lender than they may get from a bank. Usually, in traditional mortgage programs, lending is based on the property’s value as-is. 

However, the borrowers will be responsible for the repair costs.

In regards to home improvement loans, borrowers will likely be required to present lenders with structure plans, an appraisal, a building budget and contractor bid sheets to justify the property’s expected post-improvement price. Lenders may also ask borrowers to pre-pay fees for underwriting, processing, a lockbox and rate points.

After the improvements are made to the home, there should be an increase in the property’s appraisal value, which will help the borrower refinance a mortgage. 

Hard money lenders have even taken a more keen interest in the luxury-home improvement market.

AHL Hard Money Network-Marketing has the support of many various investors in the state of Florida who specifically excel in home improvement financing. Along with our extensive knowledge and experience in the hard money industry, our services can be a great asset to any home-improvement project you’re trying to complete in locations such as:

•    Tampa
•    Miami
•    Orlando
•    Jacksonville
•    Daytona
•    Ft. Lauderdale
•    And many more!

AHL Hard Money Network-Marketing prides itself of responding in a quick and professional manner. Please call us at (813) 516-5210 or email us at HardMoneyNetworkk@gmail.com.


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