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Visio Lending is a national hard money lender with a dedicated customer support system like all of the other best hard money lenders on our list. In terms of reputability, they have funded over 5,500 loans and they have bought, sold, or financed over $275 million in residential real estate.
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· Hard money lenders take a different approach: they lend based on collateral securing the loan, and they are less concerned about your ability to repay. If anything goes wrong and you can’t repay, hard money lenders plan to get their money back by taking the collateral and selling it.
What Happens When You Default on a Hard-Money Loan? – Hard money interest rates run from 12 percent to 18 percent or higher and are the same for residential or business loans. The loans are amortized over 15 to 30 years but have a balloon payment usually.
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