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Hard Money Lender Idaho
Your trusted hard money lender, providing fast, flexible real estate loans
Since 1983, Hopkins Financial has provided over $1 billion in private money loans for borrowers with real estate equity who cannot qualify for traditional lenders due to reasons like bad credit or the need for a faster process. Decades of lending experience make us the perfect solution for real estate investors and other borrowers who need flexible hard money loans for time-sensitive opportunities. If you need speed, flexibility, and certainty, we are your premier source for hard money and equity/asset-based real estate financing.
Contact UsLearn more about our loans
Hard money loans for your needs
If you’re looking for a reliable lending partner, our team helps borrowers with real estate equity find the perfect solution for their next real estate project, securing time-sensitive opportunities when traditional lenders can’t. We offer a range of specialized loan products and hard money loans tailored to your needs, including:
Owner-Occupied Residential Loans (Idaho only)
Hard money loans for single-family homes, condos, townhomes, and 1-4 unit multi-family investment properties.
Commercial or Residential Investment Loans
We offer funding for commercial properties, including office buildings, retail spaces, warehouses, and mixed-use properties.
Construction or Development Loans
We provide financing for land acquisitions and construction projects, helping you secure capital to build from the ground up.
Bridge Loans
We help bridge the gap in real estate transactions, allowing you to move forward on a new investment property before selling an existing one.
Our other loan services
Beyond our core loan products, Hopkins Financial offers a suite of other services to support your real estate endeavors and investment goals. These services include:
Get your project funded in weeks, not months
We’ve developed an efficient process to strip away the slow, bureaucratic steps of traditional lenders to get you the capital you need to close your deal.
Reach out for guidance
Hopkins Financial: Your lending partner for non-conforming borrowers and properties
In the world of hard money, a money lender’s track record is everything. For over 40 years, we’ve been the go-to private lender for borrowers with real estate equity, but who can’t qualify for traditional lenders. We are a great company that requires certainty and delivers on its promises.
Partnering with us means working with a lender with:
40+ years
of lending experience
$1 billion+
in private money loans and real estate transactions
500+
private investors
Whether you have excellent credit, are working to rebuild your score, or fall somewhere in between, if you have solid equity in your real estate, we can provide funding that helps get your project funded.
Get insights into how our private-money loans can help in the current market
Stay ahead of the curve with expert analysis and tips from our team. We share insights to help real estate investors make smarter decisions and uncover more business opportunities.
Grateful for Hard Money: Why We’re Thankful for Our Clients This Thanksgiving
As Thanksgiving approaches, all of us at Hopkins Financial Services are reflecting on what we’re most grateful for—the clients who trust us…Read more
How Much Money Do I Need to Buy a House?
Understanding the Real Costs — and How Hopkins Financial Can Help When Banks Can’t Buying a home is one of…Read more
Frequently asked questions
What are flip loans, and how can they help Idaho real estate investors?
Flip loans are specialized hard money loans designed to provide fast funding for investors looking to purchase, renovate, and resell properties quickly for a profit. If you’re a house flipper or involved in fix and flip projects, flip loans offer the capital you need to cover purchase and rehab costs efficiently.
Can I get a hard money loan with bad credit?
Yes! As long as you have solid real estate equity or down payment, our private lending approach focuses on equity and the value of your property, rather than your credit score. We understand that many borrowers face challenges with traditional lenders due to bad credit, so we offer flexible options to help you close your deals quickly.
What interest rates and points should I expect?
Rates and points depend on the risk and complexity of the loan. In general:
Interest Rates: 8.75% – 15% (Average range: 10% – 12%)
Points: 2.5 – 7 points (Average: 3 – 5 points).Can I use your services for future deals and purchases?
Absolutely. We aim to build long-term relationships with real estate investors. Whether you need rental property financing or other hard money loans for future purchases, we are here to support your ongoing investments.
Ready to fund your next real estate deal?
Don’t let slow bank processes cost you the perfect opportunity. Join hundreds of happy borrowers and clients who trust Hopkins Financial for fast, reliable funding for their real estate transactions. Let’s get your next project funded.
# NMLS ID 2631 – Based in Idaho. Funding loans in Washington, Utah, Oregon, and other states.