Fulford Lending
Falls Church, Virginia
Fulford Lending is a privately owned and operated direct lender, founded in 2006, that provides customized lending solutions for real estate investors in the Greater Washington, DC metropolitan area. We underwrite, fund, and service all of our loans in-house, without relying on external brokers or investors. Our family-owned status allows us to provide personalized attention and transparent lending practices to every borrower.
We use the equity position in your property to determine the extent of your borrowing capacity, and we evaluate each loan application individually. Unlike other lenders, we don’t use a standardized underwriting process. Instead, we tailor each deal to our clients’ specific needs. Our flexible strategy allows us to offer a range of lending solutions that are designed to meet your unique investment goals.
We prioritize speed, efficiency, and reliability in all of our lending decisions. When you contact us, you will speak directly to a decision maker who can provide you with an honest answer quickly regarding your prospective loan. We work tirelessly to ensure that our approval and closing processes are as fast and seamless as possible, and that each deal delivers mutual benefits to all parties involved.
At Fulford Lending, we pride ourselves on our flexible strategy, fast approval and closing processes, and personalized approach to lending. Contact us today to learn more about how we can help you achieve your real estate investment goals.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Residential Fix & Flip
Residential Rehab & Hold
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
- Church
- 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
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
- Commercial Bridge
- Commercial Property Value Add
- Commercial Ground-Up Construction
- Commercial Long-Term
Specialty Loan Types
- 2nd 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
70%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
- Family
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
70%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 Fulford Lending, we strive to offer a transparent and competitive lending process for our clients. As part of our lending process, we charge an underwriting fee of $750 - $2000, which is designed to cover our costs for evaluating the borrower's financial documents, site visit, underwriting the loan application, and other factors that determine their eligibility for the loan. 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.
Contact Fulford Lending
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Fulford Lending is a direct hard money lender that specializes in providing fast, flexible, and common-sense lending solutions to real estate investors, developers, and flippers. With over 50 years of experience in all aspects of real estate in the Greater Washington DC metropolitan area, we bring a wealth of knowledge and expertise to every lending opportunity. Our direct lending approach allows us to make quick decisions and offer customized lending solutions that meet the unique needs of our clients. We pride ourselves on our commitment to personalized attention, transparent lending practices, and the success of our borrowers. Contact us today or visit fulfordlending.com to learn more about how we can help you achieve your real estate investment goals.
Office Locations
Falls Church, Virginia 22042Our Team
Nathaniel Fulford
Private Hard Money Lender
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Our Minimum Loan Amount Is
$50,000
What We Do
- Short-term loans for real estate investors
- Commercial bridge loans
- Residential bridge loans
- Construction loans
- Fix-and-flip loans
- Short-term loans for real estate investors
Not Available
- Personal or consumer loans
- Loans for owner-occupied residential properties
- Loans for speculative projects without a clear exit strategy
- Loans for projects that do not have a clear and viable business purpose