Hard Money Loans

Mortgage Consulting, LLC lends based on the After Repair Value (ARV) of the subject property. We lend on non-owner occupied, vacant, residential properties. We only do Single Family Detached Properties, no Attached Properties, Townhomes, duplex, tri-plex or 4-unit. Property must be at least 3 bedroom, 2.5 bath after completion. ARV to be greater than 125K and less than 225K. Most properties will require a master suite. All properties require all upgrades including, but not limited, to Granite Countertops, New Cabinets, Stainless Steel Appliances, Wood Floors, New Windows, Roof, 6 Panel Doors, Full Kitchen and Bathrooms Gut and Remodel, Tile, etc.

There are no application, junk, inspection or processing fees. All costs and fees are rolled into the loan (pending LTV guidelines).Mortgage Consulting, LLC uses third party appraiser’s and closing attorney’s to ensure separation and conflict of interest. Our closing time is 2-3 weeks. All of our notes are for 6 months and we DO NOT extend the notes for any reason other than natural disaster.

Loan Program

  • Loan Amounts up to 75% of the ARV (After Repair Value), 6 Month Note.
  • 65% for Purchase Money and Construction Escrow Account.
  • Purchase Money, Construction Rehab Funds, Closing Costs, Insurance, All Mortgage Payments Rolled into the Loan.
  • Requirements: No Documentation Loans.


Loan Process

  • Completion of Loan Application by the Client
  • In House Desktop Review, within 24 hours
  • Issue of Pre-Qualification, within 24 hours
  • Request of Draw Schedule from Client – Use Form From Website
  • Review of Draw Schedule
  • Ordering of Third Party Appraisal
  • Review of Third Party Appraisal
  • Meeting with Client and Contractor at Property
  • Closing Package Sent to Closer (M. Richard Epps is Required)
  • Closing