Washington State Hard Money Lenders for Real Estate Investors
Need a hard money loan secured by real estate in Washington? This page has a list of direct hard money lenders that offer quick funding for a Washington property purchase, refinance, fix & flip, rehab & rent, ground-up construction, and equity cash out in 1st lien position. Hard Money lending is only for investment properties, not for homesteads. The loans are mainly based on equity in the subject property. For most lenders, the maximum LTV is typically 70% for a purchase and 65% for an equity cash out loan. Scroll to see the list of lenders.
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Washington Hard Money Stats
According to private lending data provider, Analytics Logics, the average interest rate for hard money loans in Washington State is 11.14%. Lenders are charging an average origination fee (points) of 2.10%. The average loan-to-value (LTV) for hard money loans in Washington State is 59%, and the average loan amount is $495,807. These stats are the average of all the loans which were funded between April 1, 2023 and September 15, 2023 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Funded Hard Money Loans in Washington State

ARCH Loans, a private lender, simultaneously funded two hard money loans in 1st lien position for a productive house flipper in Grays Harbor County, WA. A cash-out refinance of an existing $285,000 loan on a current asset enabled the purchase of a fantastic fixer-upper in the Seattle area. This Borrower was initially short on funds to close the project they had under contract located in the suburbs of Seattle. We provided the cash-out of his equity, which was just what was needed to complete the acquisition and rehab for his new project. With some creative deal structuring, ARCH was able to fund both transactions for the Borrower. This SFR hard money loan was funded in October 2019.

Hard Money Loan for SFR Fix & Flip Project in Sedro-Woolley, Washington
$89,000
ARCH Loans, a private lender, funded an $89,000 1st lien position fix and flip loan for a single-family home in Sedro-Woolley, WA. Sedro-Woolley is a small rural city in Skagit County approximately 60 miles north of Seattle. The Borrower is an experienced flipper who found this opportunity and set a goal for us to fund his project in 5 business days. ARCH was able to meet that goal and provided the Borrower with 100% of his purchase cost within one week. The renovation budget was $45,000 and the after-repair value was estimated at $215,000. The loan term was set at 6 months, but the structure of the loan allows the Borrower the flexibility to prepay with no penalty if the project is completed ahead of time or extend the loan for a small fee should he need it. This SFR hard money loan was funded in July 2019.
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