Terms & Rates

Our hard money loan approval process generally takes 24 business hours once the loan application has been received. Approved loans fund in a matter of days, not weeks.

Our loans are asset-based, meaning the borrower is using the asset as collateral against the loan, instead of their personal creditworthiness. All loans underwritten by SWH require a personal guarantee from the borrower.

Current Hard Money Loan Rates

Phoenix Metro Single Family

12.9% Interest Hard Money Loan Loan15% Down Payment

• One-time $950 fee
• No points
• *APR 13.375% (based on $200,000 loan amount)

Mobile Home or Rural

14% Interest Hard Money Loan Loan amount based on $200,000

• 20% Down Payment
• One-time $950 fee
• No points
• *APR 14.475% (based on $200,000 loan amount)
•