Fast and flexible financing for real estate investors and time-sensitive deals

Need quick funding for an investment property or renovation project? Hard money loans in Colorado offer a fast and flexible solution when traditional financing isn’t an option. These short-term loans are based on property value not your income or credit and are perfect for fix and flip deals, bridge loans, or fast-closing opportunities.

At Choice Mortgage Group, we work with local and national hard money lenders to help Colorado investors close deals quickly and confidently.

What is a hard money loan?

A hard money loan is a type of asset-based financing secured by the property itself, not your income or tax returns. These loans are often used by real estate investors who need to:

Features of hard money loans:

  • Close in days, not weeks
  • Minimal documentation required
  • Credit score not a major factor
  • Loan based on property value (LTV or ARV)
  • Interest-only payments available
  • Flexible terms, often 6–24 months

Do you qualify?

Here’s what most hard money lenders are looking for:

– A solid investment property (often with 65–75% loan-to-value)
– A clear exit strategy such as resale or long-term refinance
– Experience helps, but first-time investors can qualify
– Rehab estimates or contractor bids (for fix and flip projects)

Learn more from Investopedia’s guide to hard money loans

Whether you’re flipping a home in Denver, bridging a purchase in Castle Rock, or investing in a rental in Parker, we’ll help you line up fast funding with a hard money loan that fits your timeline.

Call or text us at 303-670-0137, email rbaxter@choicemortgage.com, or request your investor quote. We’ll connect you with competitive options and walk you through the numbers.

*Loan terms and availability vary by lender. Guidelines current as of May 2025.