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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

Real Estate Tax Benefits in 2025: Strategies for Active Investors in California 

As 2025 begins, California’s real estate market presents numerous opportunities for active investors, especially in the context of new tax policies, market trends, and economic shifts. However, to make the most of these opportunities, it is essential to stay informed...

Top Real Estate Investment Trends for 2025: A Comprehensive Guide for Passive Investors 

The year 2025 is shaping up to be pivotal for real estate investors, particularly those focused on passive income. With significant legislative changes, economic adjustments, and technological advancements on the horizon, staying ahead is essential. This guide...

2025 California Real Estate Laws: 7 Key Changes Every Investor Must Know

California’s real estate market is dynamic, and understanding the laws governing it can mean the difference between compliance and costly mistakes. As 2025 unfolds, new legislative updates are poised to impact homeowners, landlords, tenants, and investors. Here’s...

Your Guide to IRAs: Choosing the Right One for Your Retirement Goals

Saving for retirement is essential, but with so many options, finding the right fit can feel overwhelming. Individual Retirement Accounts (IRAs) are powerful tools for growing your wealth with tax benefits, but which type suits your financial goals? In this quick...

Understanding Real Estate Investing Lingo – Part 2

In the first part of this series, we explored foundational terms in real estate investing, including cash flow, ROI, equity, and ARV. In Part 2, we’ll build on that knowledge by diving into more advanced terms that every real estate investor should know. These...

Understanding Real Estate Investing Lingo – Part 1

Real estate investing can be a rewarding way to build wealth, but understanding the industry jargon is key to making smart decisions. Whether you’re a beginner or a seasoned pro, mastering these essential terms will give you a competitive edge in the market. In this...

How to Passively Invest in Real Estate Using a Self-Directed IRA

When it comes to growing your retirement wealth, traditional investment vehicles like stocks, bonds, and mutual funds aren't your only options. Self-Directed IRAs (SDIRAs) offer a powerful, yet often overlooked, path to diversify your retirement portfolio with...

Holiday Investing Tips: How to Find Year-End Real Estate Deals in 2024

The holiday season is often seen as a time to relax and take a break from business as usual. However, for savvy passive real estate investors, the end of the year is one of the best times to uncover lucrative opportunities in the market. While others are distracted by...

Finishing Strong: How a 2024 Project Loan Can Help Developers

As the end of 2024 approaches, property developers face mounting pressure to finish their projects. Whether you’re racing against contractual deadlines, aiming to take advantage of tax benefits, or positioning your property for early 2025 sales or leases, ensuring...

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...

Want to know more? Take your first steps toward real estate success with us

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