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Capital When You Need it, How You Need it

MOR Financial is a trusted leader in hard money lending, providing tailored financing solutions for Active Real Estate Investors. Our services empower investors to quickly secure capital for property acquisitions, renovations, and other real estate opportunities. In addition to lending, MOR Financial offers Passive Investors the opportunity to generate steady returns through our MOR Investment Fund and direct Trust Deed investments. With expert management, transparency, and a commitment to client success, MOR Financial bridges the gap between ambitious real estate projects and the investors fueling them.

Fast & Flexible Funding for Your Next Project

  • Our funding is designed with real estate investors in mind, offering financial agility when you need it most.
  • With fast access to funding, you can take on more projects simultaneously, accelerating portfolio growth and boosting profits.
  • No prepayment penalties, giving you the freedom to pay off your loan early if you want to without incurring extra fees.

Find the Right Program For You

Fix-N-Flip Loans &
Rehab Loans

Property Type

SFR, Condo, Townhouses, 2-4 units

Loan Amount

80/80 or 90/100 or 100 of purchase price Max up to 70% of ARV

Term

6-24 months

Rate

9.99% to 12.99%

Fees

1-3%

Repayment

Monthly Interest Only

Bridge Loans

Property Type

Land, SFR, Condo, Townhouses, 2-4 units

Loan Amount

Up to 70% of LTV

Term

12 months

Rate

9.99% to 12.99%

Fees

1-3%

Repayment

Monthly Interest Only

Construction Loans

Property Type

SFR, Condo, Townhouses, 2-4 units

Loan Amount

Up to 50% of LTV

Term

12-24 months

Rate

9.99% to 12.99%

Fees

1-3%

Repayment

Monthly Interest Only

Rental Property Loans

Property Type

SFR, Condo, Townhouses, 2-4 units

Loan Amount

Up to 75% of LTV

Term

12-60 months

Rate

9.99% to 12.99%

Fees

1-3%

Repayment

Monthly Interest Only

Commercial Property Loans

Property Type

Land, Retail, Industrial, warehouse, office, multifamily, assisted living, house of worship, specialty property.

Loan Amount

Up to 65% of LTV

Term

12-60 months

Rate

9.99% to 12.99%

Fees

1-3%

Repayment

Monthly Interest Only

Calculate Your Investment Returns

Access our Fix-N-Flip Profitability and Hard Money Loan Payment calculators to plan your next project with confidence.

Preferred by Countless Organizations

Outstanding Track Record

Established in 2006, MOR Financial has over 18 years of experience funding private and conventional loans. We work with many local and national mortgage investors to help our clients find the right loan that best fits their needs.

5

Days Funding Time

18

Years in business

$550m

Loaned

Simplifying Loans with Common Sense Underwriting

Minimal Documents Needed

Get funded quickly with the essential paperwork.

No Red Tape

Straightforward and efficient lending process.

Rates Starting At 9.99%*

Competitive rates to make your investment profitable.

Latest Articles from MOR Financial

Essential Interest Rate Insights for Active Real Estate Investors

Interest rates are one of the most significant economic variables affecting real estate investment strategies. For active real estate investors, understanding how interest rates work, how they fluctuate, and how they influence different aspects of real estate deals...

Key Factors for Passive Investors in Loan-Based Real Estate Investing

Passive real estate investing offers an attractive way to generate steady returns without the hands-on demands of property management. One of the most popular avenues for passive investors is loan-based real estate investments. In this situation, investors provide...

Streamline Your Loan Application to Fund More Deals Faster

For active real estate investors, the ability to secure funding quickly can make all the difference when it comes to closing deals and capitalizing on profitable opportunities. A streamlined loan application process helps investors lock in financing swiftly. It also...

Understanding Cash Flow vs. Appreciation in Real Estate

Real estate investing offers two primary pathways for generating wealth: cash flow and appreciation. For passive investors, understanding the distinction between these two income sources is essential for building a diversified portfolio that aligns with long-term...

Using Collateral Wisely: Safeguarding Your Fix-n-Flip Ventures

For active real estate investors, the fix-n-flip strategy offers exciting potential for high returns. However, it also comes with significant financial risk, especially when relying on loans. One of the key elements that can make or break a successful fix-n-flip is...

Fix-N-Flip Loans: A Lucrative Strategy for Passive Real Estate Investors

In the world of real estate investing, "fix-and-flip" has become a popular strategy for those looking to turn properties over quickly for a profit. Traditionally, this approach has been used by active investors who directly manage the buying, renovating, and selling...

Steps to Take After Securing Your First Hard Money Loan: A Guide for Active Real Estate Investors

Securing a hard money loan can be a game-changer for active real estate investors, especially those venturing into fix-and-flip projects or seeking short-term financing for investment properties. Hard money loans, with their quick approvals and flexible terms, provide...

Passive Investors: 10 Tips on How to Build Relationships with Hard Money Lenders

When it comes to real estate investing, building strong relationships with hard money lenders can be a game-changer, especially for passive investors. Hard money lenders offer financing that differs from traditional bank loans, providing quick capital and more...

Evaluating Hard Money Lenders: What to Look for and What to Avoid

Hard money loans can be a powerful tool for real estate investors seeking fast capital to fund their projects. Unlike traditional bank loans, hard money lenders offer quicker approval processes, less paperwork, and more flexibility, making them a popular choice for...

Why Experienced Investors Are Turning to Hard Money Loans for Portfolio Diversification

Diversification is a fundamental principle of successful investing. While many seasoned investors are well-versed in the traditional asset classes like stocks, bonds, and rental properties, a growing number are now turning to hard money loans as a means of...

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