Direct Lender for Investment Real Estate in Western Washington State

Intrust Funding provides short-term financial solutions for novice and veteran real estate investors and non-conventional borrowers in the Seattle metro area and Western Washington. Through our simple, efficient and transparent loan process, we help our clients present all-cash offers in as little as 48 hours to secure the best property deals fast and finance construction draws within 72 hours for time-sensitive rehab projects — maximizing ROI. Our unmatched ability to understand investor challenges and tailor loans that match their needs is why first-time borrowers become long-standing Intrust Funding partners.

Please note: we do not offer loans secured by owner-occupied homes.

Property Geographic Area Details

Puget Sound Region only

Loan Amounts

$50,000 to $5,000,000

Interest Rates

12% to 12%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

2% to 5%

Loan Terms

1 months to 12 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Bed and Breakfast
  • Commercial Condominium
  • Condominium
  • Gas Station
  • Gym
  • Hotel
  • Industrial
  • Manufactured Home
  • Mixed-Use
  • Mobile Home
  • Motel
  • Multifamily
  • Office
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Retail
  • School
  • Single Family Residence
  • Student Housing
  • Winery

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Commercial Property Value Add
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction

Specialty Loan Types

  • Reverse 1031 Exchange

Purchase Loan

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Family

Rehab Value Add Loan

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw


Construction Loan

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only

Payment Structure Details

1% of total loan amount per month

Pre Payment Penalty


Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Self-Directed IRA

Documentation Required

  • Credit Report
  • Bank Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Minimum Credit Score Required


Credit Check Description

Asset based lender and the property is far more important than the credit score

Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Processing Fee

Documents Fee

Extension Fee

Loans that go past the maturity date are extended for 45 days for 1% of the total loan amount with the fees added to the principal amount and paid at closing.

Minimum Origination Fee Amount


Fees which are mandatory for all new borrower clients

  • Documents Fee

Hard Money Loan Programs for Real Estate Investors in Seattle & Western Washington

• No Appraisals | No Draw Inspections

• Rehab & Construction Loans

• Funding in 48 Hours

As Western Washington’s leading private money lender, Intrust Funding is known for its transparency. With expertise in every step of the real estate investment process, our professional loan consultants aren’t interested in just signing loans. We’ve developed and hold to our own hard money loan underwriting principles and processes, because we know they work, and they ensure our clients are getting the highest returns on their investments. Your success means our success.

Intrust Funding knows the fast-paced environment of local real estate investing, which is what makes us the best private money lenders of the Puget Sound Region. Our bridge loans for residential property and commercial investments provide fast capital, so our clients can cover closing costs quickly. With our short term loans, borrowers present all-cash offers in as little as 48 hours to secure the best properties fast. We are revolutionizing the lending industry through our unwavering commitment to efficiency, transparency, and integrity throughout the loan process.

Year Established



  • Real Estate Association of Puget Sound
  • Real Estate Investors of Washington

Office Locations

14508 NE 20th Street, Suite 200, Bellevue, Washington 98007

Primary Capital Source

  • Own Funds

Alternative Capital Sources

  • Private Equity Funds

Loan Structure for Majority of Loans

  • Own Balance Sheet

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Real Estate Investing
  • Residential Real Estate Investing

Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Buy and Hold


Percentage of Loans Secured by Land


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2017 Number of Loans Funded


2017 Loan Volume Funded


Kyle Johanson

Business Development Manager

As Business Development Manager for Intrust Funding, Kyle establishes relationships with real estate agents, brokers, and mortgage professionals to grow external loan sales. He also serves as a loan consultant, servicing loans and building long lasting relationships with new clients as they grow their investment portfolios. With over 10 years of experience in commercial real estate, mortgage and lending, Kyle has built a reputation that has followed him throughout the years. Kyle lives in Sammamish with his wife and his dog and enjoys spending time outdoors and traveling.

Carolyn Gossett

Loan Consultant

As a loan consultant for Intrust Funding, Carolyn establishes a relationship with clients from the initial point of contact. She is responsible for servicing loans, managing accounts and contracts, connecting with current and future clients, managing lending portfolios, and building borrower loan files. With over 10 years of experience, she has built a reputation for providing clients with unparalleled customer service.

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


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Add links to photos here.


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