Hard Money Lending · Brevard County
Harbor Bridge Lending
Marcus Ellery · Owner, lending since 2004 · Fictional demonstration
Investment property only. Not for a home you will live in.
The property is what the loan is decided on, not your income.
Lends to people buying property to repair, rent or resell. The loan is secured on the property, so what settles it is the building and what it is worth once the work is finished.
Who runs it
The owner has been lending against Florida property for more than twenty years and has run this business since founding it.
The business writes its own loans rather than passing a file to somebody else, so the person who answers the telephone is the person who decides.
What they do
- 01Purchase loans
For buying an investment property that a bank will not move fast enough on.
- 02Repair loans
The cost of the work funded alongside the purchase rather than found afterwards.
- 03Bridge loans
Short term money while a sale completes or longer financing is arranged.
- 04Loans to entities
Written to a company or a land trust rather than to a person.
- 05Refinance
Replacing short term money once the work on a property is finished.
Who it does not suit
It does not suit a house you will live in, a first time buyer looking for an ordinary mortgage, or long term financing at a bank's cost.
Track record
- 2004
- Lending since
- 900+
- Loans closed
- Brevard
- County served
How a loan comes together
- 1The property is looked at as finished
Not what it is worth today. What it is worth once the work is done. Everything else is measured off that figure.
- 2The loan is sized off that figure
A share of it, not all of it. What sits above that share comes from you.
- 3Your money goes in
Closing costs sit on top of what you put down, not inside it.
- 4The file is checked
Credit, the plan for the work, and how the loan gets paid off at the end of it.
- 5Repair money is scheduled
Released in stages against work actually finished, not handed over at the closing table.
- 6It closes
Title, insurance and loan documents, the same as any other closing.
Reach them
- Telephone
- (321) 555-XXXX
- Lends in
- Florida
marcus@harborbridgelending.example
harborbridgelending.example
Who it suits
This suits people buying to repair and resell, and people buying to rent. It suits a purchase made through a company or a land trust, and one that has to close faster than a bank will move. It suits a property a bank will not lend on in the condition it is in.
What a loan would cost, and the terms on it, are theirs to give you on the property you are actually looking at.
Call (321) 555-XXXX