Higher price points
Our $100,000 to $400,000 range fits most Saratoga County single-family projects, and finish quality drives the ARV.
Saratoga County · Direct Private Lender
Hard Money & Private Money Lender in Saratoga Springs, NY
Private money for Saratoga County investors working at higher price points and shorter exit windows. Certainty of terms up front, and a lender who answers the phone.
Local Underwriting
What We Know About Lending in Saratoga Springs
Seasonal demand
Track season and summer inventory move quickly. Knowing the calendar changes how a 12-month loan should be structured.
Speed with certainty
Terms you can rely on, quoted once, without a repricing at the closing table.
Neighborhoods and areas we fund in Saratoga Springs
DowntownEast SideGeyser CrestSaratoga LakeBallston SpaWiltonBallston SpaWiltonMaltaStillwaterBallston Lake
Loan terms for Saratoga Springs investors
- Loans from $100,000 to $400,000
- 12-month interest-only loans, with a 3-month minimum interest amount
- 12%–14% interest, interest only; 1–3 points, depending on the transaction
- Purchase financing may be available up to 90% of the purchase price for qualifying transactions
- Renovation financing may be available in arrears, subject to approval and project conditions (budgets generally up to $75,000)
- Renovation draws are advanced as work is completed and documented; interest generally applies only to funds advanced
- $48 credit and background check, paid directly to TransUnion
One call, one decision maker
We are a direct lender using our own funds, based right here in the Capital Region. No brokers, no credit committee, no out-of-state processing team. Call and you speak with the person who approves your loan.
Call the Decision-MakerRecently funded nearby
Colonie, NY
Fix & Flip
Stillwater, NY
Fix & Flip
Ballston Lake, NY
Fix & Flip