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%
Loan Terms
1 months to 12 months
Origination Fees
2% to 5%
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
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

  • 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

Max Loan-to-Purchase Price

90%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

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

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

90

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

0%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

2

Development Experience Required

no

Minimum Number of Ground-Up Construction Projects Completed by Borrower

0

Max LTC for Ground-Up Construction Costs

90%

Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects

yes

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

$2,000

Fees which are mandatory for all new borrower clients

  • Documents Fee

Details and Requirements

Typical Closing Time (Days)

3

Fastest Closing Time (Days)

2

Payment Structure
  • Interest Only
Payment Structure Details

1% of total loan amount per month

Pre Payment Penalty

no

Will lend to a foreign national

yes

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

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

yes

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
Sometimes
Credit Check Required

yes

Minimum Credit Score Required

500

Credit Check Description

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

Appraisal Required for Residential Property

Never

Appraisal Required for Commercial Property

Never

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Get In Touch

Intrust Funding pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

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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

2010

Associations

  • 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 Loans Secured by Commercial Property

10%

Percentage of Loans Secured by Residential Property

90%

Total Number of Loans Funded to Date

1200

Total Loan Volume Funded to Date

$350,000,000

Our Team

Kyle Johanson

Business Development Manager

Carolyn Gossett

Loan Consultant

Get In Touch

Intrust Funding pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$50,000

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