Georgia Hard Money Loans For Real Estate

Looking for a Georgia hard money loan so that you can invest there? We are the hard money lender in Atlanta and all of Georgia for your next real estate fix and flip or refinance property in the Peach State.

Do Hard Money will approve your asset-based loan completely by assessing the property not you as the borrower. A true hard money lender will base your loan approval on the investment property and the overall quality of the deal. Once we’ve evaluated the property, the LTV (loan to value) ratio of the deal will determine your loan amount. This loan amount, combined with our gap funding resources, can make it possible for you to get 100% Financing on your deal.

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Georgia Hard Money Loan Terms

Due to excellent market conditions, we are able to offer state-specific loan terms for the state of Georgia.

100% Financing

If your deal is good enough we will cover 100% of the purchase price, rehab, and closing costs, points & interest.

LTV Basis

Our max loan amount is based on the after repair value, not the current value or purchase price. If the numbers line up, we will fund it.

Maximum LTV

We lend up to 70% of the ARV. We will fund everything but earnest money as long as it fits within 70% of the ARV.

Max Loan Amount

Our max loan amount is $250,000. For the markets we currently lend in, we’ve found this to be the sweet spot for real estate investing.

Minimum ARV

Our minimum ARV to lend on a property is $75,000. If it’s less than that there is just not enough profit to make it worth the effort for either party.

Multiple Deals

Yes. We allow you to do 3 deals at a time, enabling you to stay busy and rake in even more profit at a faster pace.

Interest Rate

Our interest rates of 1.25 – 1.50% per month fall pretty middle of the road. We are not the cheapest, nor the most expensive, but our 100% financing options allow you to leverage our money.

Origination Points

We take on significant risk in offering 100% financing and our points of 5.5% – 6.5% is what keeps us in business.

Max Loan Term

The default loan term is set at 5 months, but we do allow up to three 1-month forbearance payments equal to 1.0% of the loan if you need more time.

Monthly Payments

With no monthly payments during the initial loan term you can focus 100% of your time on rehabbing and selling the property.

Minimum Credit

None. A bad credit score will affect your points and interest, but because we lend on the property’s after repair value it won’t keep you from getting a loan

Min Cash-to-Close

We do not require a down payment on the property. If everything fits in 70% of the ARV you can come to the closing table with $0.00.

Pre-Pay Penalty

With no pre-payment penalty, fixing and flipping the property in a shorter amount of time can only deepen your pockets.

Required Experience

Many other lenders either won’t lend to you or will jack up their prices unless you have prior experience, but we’re all making profitable real estate investing accessible to anyone.

Gap Financing

We allow gap financing in the form of business lines of credit to help with cash-to-close when everything doesn’t fit in 70% of the ARV and we can help you get up to $100,000 in as little as 30 days.

Foreclosure Protection

Nobody else looks out for you like we do. We offer proprietary protection that nearly precludes the possibility of a foreclosure on your records even in the worst-case scenario.

Refinancing Available

Yes. With traditional lenders limited to strict loan parameters, we focus on equity over borrower financials. This gives you the liquidity needed for your individual situation.

Full Disclosure

Unlike a lot of other lenders who hide the full cost of the loan until it’s too late… we want you to know what you’re getting into and disclose ALL costs upfront.

Recently Funded Deals

Georgia Real Estate Market Statistics (2015)

Home of the Blue Ridge Mountains and a beautiful Atlantic Ocean coast, Georgia has been ranked among the nation’s fastest-growing states, second only to Texas. Georgia is rich in gorgeous greenery, a lovely climate and an exciting terrain with new adventures for all. Also rich in music and cultural arts, Georgia has become a real estate hot spot with home values increasing 2% over the past year. According to, “the home appreciation rate for the Atlanta real estate market has gained an average of 45.8% or $52,200 in equity, compared to the national average of 22.6% or $39,833.” This means great news for those looking to purchase an excellent deal in Georgia. You should definitely act fast to take advantage of Georgia’s low property prices and phenomenal home appreciation rates.

Housing Units
Number of Flips
% Change in Flips

Purchase Price

National Average: $294,600
Georgia Metro Areas: $183,500

Gross Margin

National Average: $55,000
Georgia Metro Areas: $45,140

Number of Houses Flipped

National Average: 179,778
Georgia Metro Areas: 5,397

% Change in Houses Flipped

National Average: 0.2%
Georgia Metro Areas: -6%

About Hard Money Loans in Georgia

Just like saying “Coke” can also mean “Sprite” (if you’re from Georgia), the term “hard money loan” can also go by other names in the REI world. A lot of investors don’t know this, but “bridge loan” and “private money loan” are also names for hard money loans. The names are interchangeable, and they’re all the same kind of loan.

Hard money loans are often thought of as loans for bad credit because getting approved for a hard money loan doesn’t require a credit check. A true hard money lender, such as, will completely base your loan approval on the investment property and the overall quality of the deal.

Once we’ve evaluated your subject property, the LTV (loan to value) ratio of the deal will determine your loan amount. This loan amount, in combination with our gap funding resources, will make it possible for you get 100% financing on your deal.

When you’re in need of Georgia hard money loans, DoHardMoney is here for you.

Real Estate Investing in Georgia

A spot in the shade isn’t the only prime real estate in Georgia, and Georgia real estate investors know it. For several years, the super-healthy Georgia real estate market has had more great fix and flip properties than it has Waffle Houses and Chick-Fil-As, and that’s tons.

We offer direct, private money lending to the following Georgia cities and counties that have demonstrated a long history of high profits:

Acworth, Albany, Alpharetta, Americus, Appling, Armuchee, Athens, Athens-Clarke County, Atlanta, Auburn, Augusta, Augusta-Richmond County, Bainbridge, Barretts, Barrow County, Belvedere Park, Bill Arp, Boynton Ridge, Broad River, Brunswick, Buford Cairo, Calhoun, Candler-McAfe, Canton, Carroll County, Carrollton, Carters Lake, Cartersville, Catoosa Springs, Cedartown, Chestatee, Clarkston, College Park, Columbus, Conley, Conyers, Coopers, Cordele, Country, Covington, Crandall-Eton, Culloden-Bolingbroke, Dacula-Rocky Creek, Dalton, Decatur, Dock Junction, Doraville, Douglas, Douglas County, Douglasville, Druid Hills, Duluth, Dunwoody, East Dougherty, East Point, Eatonton, Effingham County, Evans, Everett, Fair Oaks, Fairview, Fayetteville, Forest Park, Fort Benning, Fort Benning South, Fort Gordon, Fort Oglethorpe, Fort Stewart, Fort Valley, Fulton County, Gainesville, Garden City, Gilmer County, Gracewood, Gray-Griswold, Gresham Park, Griffin, Grovetown, Habersham County, Hapeville, Hinesville, Huntsville, Irondale, Jackson County, Jasper County, Jesup, Juno, Kennesaw, Kingsland, La Fayette, Lathemtown, Lawrenceville, Lilburn, Lizella, Mableton, Macon, Marietta, Martinez, McDonough, Milledgeville, Monroe, Morgan County, Moultrie, Murrayville, Nelson-Tate-Marble Hill, Nevils-Stilson, Newnan, Norcross, North Atlanta, North Decatur, North Druid Hills, North Ogeechee, North Rockdale, North Whitfield, Northeast Cobb, Panthersville, Peachtree City, Perry, Philema, Pickens County, Pike County, Pooler, Pooler-Burroughs, Powder Springs, Redan, Richmond Hill, Riverdale, Rome, Rossville-Beverly Hills, Roswell, Rutland, Sandersville, Sandy Springs, Savannah, Scottdale, Silver City, Skidaway Island, Smyrna, South Rockdale, St. Marys, St. Simons, Statesboro, Stockbridge, Stone Mountain, Sugar Hill, Sugar Valley-Resaca, Suwanee, Swainsboro, Thalmann, Thomaston, Thomasville, Thomson, Three Sisters Mountains, Tifton, Toccoa, Tucker, Tybee Island-Wilmington, Union City, Valdosta, Valley, Vidalia, Vinings, Walton County, Waresboro, Warner Robins, Washington-Metasville, Waycross, West Dougherty, West Jackson, White-Pine Log, Wilmington Island, Winder, Woodstock, Yorkville, Zenith and many more.