Fulford Lending
Falls Church, Virginia
Family Owned Direct Private Lender for Real Estate Investors
Fulford Lending is a family owned and operated direct private money lender, established in 2006, primarily focused on real estate in the Greater Washington, DC metropolitan area.We underwrite, fund and service all of our loans. Fulford is not a broker; we lend family funds and service each of our loans. We use your equity position in the property to determine the extent of your borrowing capacity. When you call or send an application you will speak directly to a decision maker. We provide honest answers quickly regarding your prospective loan.
Flexible Strategy
We don’t use a standardized underwriting process. Instead, we evaluate each deal individually. We are an independent lender who is able to tailor deals to our clients specific needs. There is no rule book, just people working to enhance each others investments.
Fast Approval & Closing
We prioritize getting a deal done as quickly and effectively as possible. Our sole purpose is to make good deals that make sense for both parties. A mutual agreement has to deliver mutual benefits.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Property Types
- 2-4 Units Residential
- Adult Day Care
- Assisted Living Facility
- Auto Dealership
- Auto Repair
- Bed and Breakfast
- Car Wash
- Casino
- Child Day Care
- Cinema
- Club
- Commercial Condominium
- Commercial Land
- Community Center
- Condominium
- Equestrian
- Event Center
- Gas Station
- Golf Course
- Gym
- Healthcare
- Hostel
- Hotel
- Industrial
- Marina
- Mixed-Use
- Mobile Home Park
- Motel
- Multifamily
- Night Club
- Office
- Parking Lot
- Place of Worship
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- RV Park
- Ranch
- Recreational
- Rehabilitation Facility
- Religious Facility
- Residential Land
- Retail
- Senior Housing
- Single Family Residence
- Sports Facility
- Storage Facility
- Student Housing
- Vehicle Parking
- Winery
Loan Types
- Private Money
- Hard Money
- Commercial Bridge
- Residential Bridge
- Commercial Property Value Add
- Residential Fix and Flip
- Residential Rehab and Rent
- Commercial Ground-Up Construction
- Residential Ground-Up Construction
- Commercial Long-Term
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- 3rd Mortgage Equity Cash Out
- Bankruptcy Resolution
- Foreclosure Bailout
- Land Development
- Line of Credit Portfolio of Properties
- Line of Credit Single Property
- Primary Residence Business Purpose Cash Out
- Residential Long-Term Rental
- Reverse 1031 Exchange
- Subdivisions
Junior Lien Loan Amounts
$50,000 to $500,000
Junior Lien Interest Rates
10% to 15%
Junior Lien Loan-to-Value
60%
Junior Lien Loan-to-Cost
70%
Junior Lien Origination Fees
2% to 5%
We Fund Junior Position Loans
Often
Junior Lien Types
- Refinance
- Equity Cash Out
Description
For more information, please visit our website: https://www.fulfordlending.com/borrowers/
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
- Agricultural Land
Will Consider Land That is NOT Entitled
noMax LTV for Land
50%Max LTC for Land Acquisition
60%Junior Lien Types
- Refinance
- Equity Cash Out
Max Loan-to-Purchase Price
75%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
- Equity in Primary Residence
- Seller Financing
- Crowdfunding
- Family
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
75%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
5Development Experience Required
noMinimum Number of Ground-Up Construction Projects Completed by Borrower
0Max LTC for Ground-Up Construction Costs
75%Interest Charged for Construction Costs
Only on Funds DrawnWill Lend on Partially Completed Construction Projects
yesUnderwriting Fee
At your loan closing we will deduct a $195 Underwriting Fee from the loan proceeds. We do not charge any upfront fees.
Documents Fee
A Document Fee will be charged and paid out of the loan proceeds at closing. The amount varies depending on the loan amount, number of properties involved, turn around time and the closing jurisdiction. We will give you a written estimate as part of the approval process.
Get In Touch
Stay Informed About Private Lending
Prior to starting Fulford Lending in 2006, and for over 50 years, we have been involved in all aspects of real estate in the Greater Washington DC metropolitan area. We owned/own and operate various enterprises which include development, construction and management of all types of real estate ventures from simple single family rehabs, new construction, tenant build-outs, rentals (i.e. shopping centers, office buildings and even single family investment properties), farming and forestry. Our knowledge of the subject matter means you’re speaking with someone who understands your needs and can package a loan meeting those needs.
A Fast Common Sense Approach To Hard Money
As you start the process of looking for financing we would like to note the differences between Fulford Lending and other lenders. First, whenever you speak with us you are speaking with a decision maker who has in all likelihood experienced the particularities of your situation. The money that we lend is our money, and therefore, our decisions are based on a common sense approach. This allows us to make quick decisions and offer flexibility in our loan terms specific to your needs. Over sixty percent of our borrowers are repeat customers, which we believe is a direct result of our interest only rates, as well as our flexibility and our desire to make sure that our loans are viable in all respects for the success of our borrowers.
Office Locations
7138 Carol Lane, Falls Church, Virginia 22042Our Team
Nathaniel Fulford
Private Hard Money Lender
Funded Deals
Fulford Lending
Washington, DC
$200,000
Residential Long-Term Rental
Fulford Lending
Beltsville, MD
$185,000
Residential Fix and Flip
Fulford Lending
Washington, DC
$180,000
Purchase
Fulford Lending
Temple Hills, MD
$132,000
Commercial Long Term
Get In Touch
Stay Informed About Private Lending
Our Minimum Loan Amount Is
$25,000
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