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Get Start How It WorkUnited Financial Group: Short-term, interest-only bridge loans for rehabbing, redeveloping, or fixing-and-flipping single-family homes.
Rehab and redevelopment of single-family homes is our foundation. With deep expertise in these projects, we understand their unique needs better than anyone. That's why we offer flexible terms, competitive rates, and the fastest closing times in the hard money industry.
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✓ Providing Lending solutions Across All 50 States
✓ Top Rated Hard Money Lenders
✓ Up to 92.5% of Purchase Price Financed
✓ As Low as 5.9% Interest Rate
✓ Up to 100% Construction Financed
From Construction To Renovation And Everything In Between, In All 50 States. Ask Us How Well-Qualified Borrowers Can Get Up To *$7,000 Extra Before or After Close On All Programs
At United Financial Group, our vision is to be the leading provider of innovative and flexible funding solutions for real estate investors and developers nationwide. We strive to set the standard for excellence in the hard money industry by offering unparalleled expertise, competitive rates, and the fastest closing times. Our goal is to empower our clients to achieve their real estate investment dreams through customized financial solutions that drive growth, success, and lasting impact.
(Owner Occupied) These are loans made to individuals who are acquiring or refinancing a residential property, and occupy or intend to occupy the property, as a primary or secondary residence. These loans are typically referred to as “Mortgage Loans” and are subject to substantial government regulation and oversight. We structure our loans to comply with all applicable regulations.
We now offer Hard Money loans Nationwide
If the loan request is to purchase a residence, United Financial Group, Nationwide Direct will utilize Investors portfolio up to the less or of eighty (80%) percent of the purchase price or the appraised value. The borrower will need to complete an application and provide third party proof of the ability to repay the loan. The last two years tax returns, Bank statements, pay stubs, W-2, or bookkeeper/accountant prepared statements will provide the necessary proof of ability to repay. The borrower will receive all required notices and disclosures. Mortgage loans are a five year note with the interest rate and amortization based on the value of the property and the borrower’s capacity to repay.
If the loan request is a refinancing of existing debt, United Financial Group will lend the payoff amount provided that amount is less thaneighty (80%) percent of the appraisal. All of the requirements and note terms for a refinance are the same as a loan request for a purchase.
Loans available for Non-owner occupied single family residences (SFR). The loan can be new construction for sale, or an existing SFR to be a rental or rehabbed for sale. Loan amounts up to 80% of the lesser of the purchase price or appraised value. If the request is for new construction or rehab, up to 80% as completed United Financial Group will advance rehab funds based on invoiced and approved completed work.
Terms are negotiable with one to five-year maturities, amortization up to twenty years, and fixed and floating interest rate options. Debt service coverage on rental properties is negotiable.
If the land is purchased for residential lot development we will lend up to sixty five (65%) percent of the total land plus development cost or the as completed appraised value. The portion of the loan allocated to construction costs will be held back and advanced on invoices for approved completed work. The customary ten (10%) percent retainage will be withheld to final completion. All lots must be contracted prior to closing the loan. Both the contracts for sale and the builder/lot purchaser must be approved by United Financial Group prior to closing.
Final terms on all Land loans as to note maturity, repayment, and interest rates are negotiable based on planned use.
Loans available for acquisition of unimproved land for investment, new construction of a commercial facility for lease, sale, or as an owner occupied facility. We will also provide land loans to “land bank” tracts for future development, to refinance existing loans, and to develop residential lots for sale to approved home builders.
If the request is a refinance of existing debt on unimproved land held for investment, the amount financed must be less than 33% of appraised value and the note must pay on a ten year amortization.
If the request is for the purchase of raw land for investment and resale we will lend up to seventy (70%) percent of the lessor of the purchase price or appraised value. Unimproved land with no planned short term use must amortize on a ten year basis. All other terms and conditions are negotiable.
If the land is purchased for commercial development we will lend up to seventy (70%) percent of the total land plus development cost or the as completed appraised value. The portion of the loan allocated to construction costs will be held back and advanced on invoices for approved completed work. The customary ten (10%) percent retainage will be withheld to final completion.
Apply online, and receive approval within 48 hours
Upload supporting documents, such as tax returns, purchase contracts, and 1003 mortgage application?
Find Out MoreLoan closing with United Financial Group, Nationwide Direct’s title company
Find Out MoreUnited Financial Group, Nationwide Direct is more experienced in hard money and private money than any other Nationwide hard money lender with more than 30 years of combined experience from the experts of John Davinci and Clarissa Lewis and their staff.
We can get you approved as quickly as the same day with no hard credit inquiry. We can get you funded as quickly as 24 hours.Traditional mortgages often require extensive documentation, which can be time-consuming and burdensome. United Financial requires less paperwork and documentation, streamlining the borrowing process.
We strive to provide the best financing products and terms to meet your qualifications. United Financial Group, Nationwide Direct offers flexible terms, which can be customized to meet the specific needs of the borrower and the project. We work together with the borrower to fit the unique circumstances of the transaction.
We call ourselves Primary Source Lending for a reason. We are the primary source for the funding of loans, therefore we can offer more competitive rates than others.Borrowers with poor credit histories may still qualify for hard money loans as long as the property’s value justifies the loan. This can be a lifeline for individuals with credit challenges.
Hard money loan interest rates today are higher compared to the lows seen in 2020-2022. While conventional interest rates have tripled in some cases, hard money loan interest rates have only increased marginally. Hard money loan interest rates today are currently in the range of 9.5-12% for a 1st position loan. 2nd position hard money loan interest rates range from 12-14%.
Close your loan in as little as 7 days. With our small team and primary source of funds we can close fast. Closing times vary depending on complexity of loan.
When our investors close a loan at a local escrow, title, or attorney's office, we leverage our structured approach using Tier 1, 2, and 3 investors to ensure a smooth and efficient process. Each loan is meticulously managed by our Private Investment Group, which oversees the entire transaction to guarantee compliance and satisfaction. This tiered investment structure allows us to provide flexible and competitive financing solutions, ensuring that each deal is tailored to meet the unique needs of our clients. Our commitment to excellence and meticulous management ensures that every loan closing is executed with precision and professionalism.
At United Financial Group, we pride ourselves on delivering exceptional service and innovative financial solutions. But don't just take our word for it—hear directly from our satisfied customers about their experiences and successes with our funding solutions.
"United Financial Group, Nationwide Direct Made What Seemed Like An Impossible Loan Process A Breeze. We Were Struggling To Close On Our Dream Home In Charlotte, But Their Team Stepped In With Excellent Communication And Unmatched Expertise. They Handled Every Challenge With Grace And Ensured We Got The Best Possible Terms. Highly Recommend Them For Any Difficult Residential Loan Needs!"
"Securing financing for our apartment purchase in San Diego was a daunting task, but United Financial Group, Nationwide Direct turned it into a seamless experience. Their understanding of underwriting guidelines for non-bankable loans was impressive, and their consistent communication kept us informed every step of the way. We couldn't have done it without their skilled team."
"United Financial Group, Nationwide Direct was instrumental in helping us secure a rehab loan for our project in Miami. They expertly navigated the complexities and put together a deal that worked for us. Their experience and dedication were evident throughout the process, and their communication was second to none. We are thrilled with the outcome!"
"Purchasing a hotel is no small feat, but United Financial Group, Nationwide Direct made it possible with their exceptional service and deep understanding of the market. Their ability to close difficult loans and their thorough knowledge of underwriting guidelines made all the difference. We were continually impressed by their professionalism and communication."
"When we decided to invest in a 45-unit subdivision in Phoenix, we knew we needed a partner who could handle complex loan situations. United Financial Group, Nationwide Direct exceeded our expectations with their expertise and commitment. Their team was always available to answer questions, and their experience in closing difficult loans was evident throughout the process. We couldn't be happier with their service."
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Need personalized assistance with your loan request? Request a call back, and one of our expert loan officers will review your loan application, provide answers to your questions, and offer customized solutions tailored to your specific needs.
Latest Mortgage News on Hard Money Loans, Rehab Loans, and Commercial Construction Loans for 2024
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In 2024, the hard money loan market is seeing an increase in interest rates, with borrowers now facing rates between 10% to 18%. This is partly due to the Federal Reserve's ongoing efforts to combat inflation, which has led to higher borrowing costs across all types of loans. As a result, investors and developers are seeking more creative financing solutions to keep their projects viable (Assets America., Inc.) (Merchant Maverick).
The demand for rehab loans is surging as more investors look to capitalize on the growing trend of flipping houses. This trend is particularly strong in urban areas where older properties are being revitalized to meet modern standards. Lenders are responding by offering more flexible terms and faster approval processes to cater to the needs of these investors. Additionally, the competitive housing market has pushed more buyers towards fixer-uppers as a way to enter the market at a lower cost (Assets America., Inc.) (Merchant Maverick).
Commercial construction loans continue to be a critical component of the real estate development sector. In 2024, lenders are becoming more stringent with their requirements due to economic uncertainties. Borrowers must provide comprehensive documentation, including detailed business plans, financial projections, and contractor estimates. Despite these challenges, there are opportunities for borrowers with strong credit profiles and well-planned projects. The SBA CDC/504 loan program remains a popular option due to its favorable terms, offering up to $5.5 million with low down payments and competitive interest rates (Assets America., Inc.) (Merchant Maverick) (Fairview Commercial Lending).
These trends highlight the evolving landscape of mortgage financing, where both challenges and opportunities are present for investors and developers navigating the current economic environment.
United Financial Group can help investors navigate the high-rate market with several strategic approaches:
United Financial Group offers a range of flexible loan structures that can be tailored to meet the specific needs of each investor. This includes interest-only bridge loans, which help investors manage cash flow more effectively by lowering monthly payment obligations during the initial stages of the project.
Even in a high-rate environment, United Financial Group strives to provide competitive rates and terms. By leveraging a network of Tier 1, 2, and 3 investors, we can offer more attractive financing options compared to traditional lenders.
Speed is crucial in a competitive market. United Financial Group is known for its fast closing times, ensuring that investors can seize opportunities quickly and avoid losing deals due to financing delays.
Our experienced loan officers work closely with investors to understand their specific needs and objectives. This personalized approach allows us to craft customized loan solutions that align with each investor's strategy, whether it’s for rehabbing, redeveloping, or flipping properties.
By utilizing diverse funding sources, including private investment groups, United Financial Group can offer a variety of loan products that are not typically available through traditional banks. This includes hard money loans that can be secured quickly and with fewer documentation requirements.
In addition to providing loans, United Financial Group offers advisory services to help investors make informed decisions. This includes market analysis, financial planning, and risk management strategies tailored to current economic conditions.
We assist investors in identifying and targeting high-value markets where their investments are likely to yield the best returns, even in a high-rate environment. This strategic focus helps mitigate risks and enhance profitability.
By implementing these strategies, United Financial Group supports investors in effectively managing the challenges of the current high-rate market while maximizing their investment potential.
: toll-free 855-860-3863
: newloans@unitedfinancialgroup.us
: 1 Market Street San Francisco, CA
United Financial Group and its diversified network of lenders have the resources and capital to provide the best financing solutions for our clients. United Financial Group has long-lasting lending relationships with its network of direct lenders that is comprised of life insurance companies, banks, and conduits. Our lenders provide United Financial Group with limitless capital sources and enable us to provide our clients with a broad range of highly competitive retail financing options and loan products. United Financial Group is not a licensed Lender or Investment company, we are registered and bonded for professional services and placement of financial services.
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