Hard Money Lenders Colorado

Fast Colorado Hard Money Loans
Ready to close in less than a week

  • Interest rates 10 – 12.75%
  • Credit score 650+
  • Loan-to-Cost Up to 90%
  • No income verification
  • Get approved online in 5 minutes
  • Instant proof of funds letter
  • Interest only payments
Get Approved Online
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Need financing for your upcoming real estate project? New Silver is one of the top rated Colorado Hard Money Lenders. You can get approved for a hard money loan in 5 minutes using our online application.

Need funding fast? Look no further than New Silver. New Silver has the perfect selection of hard money loans for property investors in Colorado.

New Silver has a variety of different hard money loan products available to suit every Colorado real estate investor’s needs. Run by a team of experienced real estate professionals, our loans are well suited to real estate investors in CO.

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Loan Programs


Fix & Flip

For house flippers hoping to purchase a fixer upper to renovate and resell in Colorado. Interest rates from 10 – 12.75%, Loan-To-Cost up to 90%, with loan terms up to up to 24 months. Hard Money Refinance Loans also available.

  • Get up to $5,000,000
  • Interest rate 10 – 12.75%
  • Origination fee from 1.875%
  • Up to 100% construction
  • More info
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30-year rental loans for stabilized rental properties. Ideal for investors hoping to acquire an investment property. Interest rates from 7.5, loan-to-purchase price up to 80%. Built for buy and hold investors that purchase rental properties.

  • Get up to $3,000,000
  • Interest rate 7.5
  • Origination fee 2-3%
  • 30-year fixed rate
  • More info
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Ground Up

Designed for residential builders, our ground up construction loans can finance up to 90% Loan-to-Cost (LTC). Interest Rates from 10 to 13.25%

The perfect solution for builders in Colorado that need quick access to capital to fund construction costs.

  • Get up to $5,000,000
  • Interest rate 10 - 13.25%
  • Origination fee from 1.875%
  • Up to up to 24 months
  • More info
Get Approved Online

Colorado Hard Money Loans

Getting a traditional loan is a slow, drawn-out and exhausting process. At New Silver, our hard money loans are designed for real estate investors that value speed, efficiency and transparency. Offering house fix-and-flip, fix-to-rent and cash out refinance loans, our team of experienced real estate experts are available to get you capital and assist you with any hiccups that may come up along the way.

New Silver is on of the highest rated Colorado hard money lenders.. As licensed real estate investment professionals, we know what real estate investors need: quick and easy online applications, terms of up to twenty-four months and most of all, fast loan closing and attractive rates. At New Silver, we specialize in hard money loans for single-family residential, but we can also cater to multi-family and commercial real estate projects. Contact our hard money lending team today to find the best loan fit for your next real estate project.

Ultimately, if you need fast, efficient, financing solutions with competitive interest rates, New Silver is the hard money lender for you.

New Silver lends in these cities:

  • Arvada
  • Aurora
  • Boulder
  • Broomfield
  • Castle Rock
  • Centennial
  • Colorado Springs
  • Commerce City
  • Denver Hard Money Loans
  • Fort Collins
  • Grand Junction
  • Greeley
  • Highlands Ranch
  • Lakewood
  • Longmont
  • Loveland
  • Parker
  • Pueblo
  • Thornton
  • Westminster
  • And More

Colorado House Market Overview

Average Home Value


1-Year Home Appreciation


1 Bedroom Rent


Average 3 Bedroom Rent


Homes In Colorado Are Expensive The average home value in Colorado is $539,640. This is considerably higher than the average value in the US, which is currently $334,269 according to Zillow.

The cost of investment properties in Colorado is a double edged sword. On the one hand, there is money to be made if you can find your way into the Colorado market, either as a house flipper or a buy-and-hold specialist.

However, the high cost of homes also serves as a barrier to entry. You will need a good credit score, excellent financials and a decent amount of real estate investing experience to succeed in this area. In essence, Colorado investors need strong financials in order to execute real estate investment deals in the Centennial State.

Colorado Can Be A Good State For Landlords: The average 1-bedroom rent is $1,538, while the average 3-bedroom rent is $2,449, both of which are considerably higher than the national average in the US.

Provided you can keep your mortgage costs under control, the Colorado property market can be a happy hunting ground for long term rental investments.

Median Home Price by MSA

MSA Name Median Home Price 1-Year Appreciation 3-Year Appreciation
Boulder $826,900 7.5% 35.2%
Colorado Springs $462,200 4.8% 41.2%
Denver $666,000 8.3% 43.0%

Colorado Real Estate Market Analysis

Real Estate In Boulder Is Pricey: It only takes a quick glance at the median sale price in Boulder ($826,900) to understand just how expensive Boulder homes can be. The current median sale price is more than double the median sale price in the US ($388,472).

It’s fair to say that homes in Boulder are the cream of Colorado’s crop, if judging by house price alone.

Colorado Springs Is Relatively Affordable: For real estate investors hoping to enter the Colorado market, Colorado Springs might be the best place to start the search. Unlike Boulder and Denver which both have very high barriers to entry, properties in Colorado Springs aren’t prohibitively expensive.

The only thing to keep in mind is that homes in Colorado Spring are only appreciating at 4.8% annually. As a result, you will either need to hold the property for a long time or execute a well planned fix and flip if you want to maximize your profits as an investor.

Homes In Denver Are Appreciating At A Good Rate: Of the three key metro areas in Colorado, homes in Denver are appreciating at the fastest rate. This applies to 1-year appreciation (8.3%) and 3-year appreciation (43%).

This is reassuring for most investors, because it increases the likelihood of turning a profit in the short term and over a long term time horizon.

Colorado Real Estate Investor Associations

Reasons to Fund Your Investment Property with New Silver

It doesn’t matter if you are a buy and hold investor or a house flipping specialist. New Silver is a hard money lender with a selection of real estate loans perfectly matched to meet your real estate investment needs. Unlike a conventional mortgage which can take ages to complete, New Silver’s private money loans can be approved online in less than 5 minutes, with an instant proof of funds letter to help you secure the purchase. We are ready to help you solve your real estate investment needs with a fast closing hard money loan. New Silver also provides also supplies Instant Proof of Funds and an Instant Term Sheet with each hard money loan issued to our borrowers.

Frequently Asked Questions

Yes. New Silver is a private lender that offers short term loan products for house flipping projects, but we also have 30 year rental property loans for investment properties. We also cater to real estate entrepreneurs hoping to build multi-family apartments with our new construction loans.

Yes, New Silver is a private money lender that provides asset-based private money loans at scale. With asset-based lending, the underwriting process can be more lenient than conventional lenders. With private money lending, the underlying value of the asset is more important than the financial background of the investor when setting the terms of a private money loan.

As a result, the financing and credit score requirements of private real estate loans are less stringent, income verification is not needed and the debt-to-income ratio of the borrower isn't that important. Plus, we can get you approved and closed within 7 days.

Yes. We offer ground-up construction loans for real estate developers that build single family (1-4 unit) residential properties.

Yes. Our fix and flip loans can serve as bridge loans for real estate investors with a loan term ranging from 6 to 24 months in duration. More information can be found on the loan product page, together with the maximum loan amount for bridge loans specifically.

The main reason hard money loans have higher interest rates than traditional bank loans is because of the risks involved in the transaction. Unlike a residential home purchase, a fix and flip project could run over budget or the real estate market could take a turn for the worse, making the property difficult to sell quickly.

In other words, you could potentially lose money with a fix and flip. This risk is applicable to the borrower and the lender. The higher interest rate compensates for this risk, which most conventional lenders are unwilling to take on. Hard money lenders effectively fill the gap, using an asset based lending model to fund real estate deals.

The origination fee (loan points) is usually between 2-3%, but this varies with each deal. To work out the expected monthly payments, it is best to use our hard money loan calculator.

On this point, it is also worth noting that the monthly payment of all New Silver hard money loans work on interest only payments. This helps reduce the cash flow burdens of the investor while the project is underway. Interest only payments are one of the best benefits that you can unlock by working with a reputable hard money lender like New Silver.

In short, yes. While our credit requirements are not as stringent as a traditional lender, we do review the credit history of all our borrowers. If you’re worried about bad credit, it is best to look at our hard money loans product page to see if New Silver is a good fit for your needs.

You should find that our interest rates are lower than other private money lenders. In addition, we don’t require income verification during the credit history check.

  1. House Flipping Loan – Designed for house flippers
  2. Rental Property Loan – 30 year loan for investment properties
  3. Construction Loan – For new residential building projects
  4. Personal Loan – Private loans for whatever you need

Right now, we do not specialize in commercial hard money loans. With that being said, our maximum loan amount should be big enough to cover both residential and commercial properties.

In the end, it comes down to the number of units that you need. We can cover single family and multifamily residential investment properties up to 50 units. If the property you are hoping to purchase is over 50 units, we can connect you with one of our partners that can provide capital for large scale commercial properties.

Where We Lend

Hard Money Loans Across The US

Apply for a loan at New Silver today!

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