Hard Money Lenders Delaware

Fast Delaware 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
Delaware Image

Need financing for your upcoming real estate project? 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 hard money loans for property investors in Delaware.

New Silver has a variety of different hard money loan products available to suit the needs of any real estate investor. Run by a team of experienced real estate professionals, our loans are ideal for real estate investors in DE.

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Loan Programs


Fix & Flip

For house flippers hoping to purchase a fixer upper to renovate and resell in Delaware. 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 1.375%
  • 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 Delaware that need quick access to capital to fund construction costs.

  • Get up to $5,000,000
  • Interest rate 10 - 13.25%
  • Origination fee from 1.375%
  • Up to up to 24 months
  • More info
Get Approved Online

Delaware Hard Money Lenders

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 unlike other hard money lenders in Delaware. 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 Delaware 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:

  • Bear
  • Brookside
  • Claymont
  • Dover
  • Edgemoor
  • Elsmere
  • Georgetown
  • Glasgow
  • Highland Acres
  • Hockessin
  • Laurel
  • Middletown
  • Milford
  • Millsboro
  • New Castle
  • Newark
  • North Star
  • Pike Creek
  • Pike Creek Valley
  • Rising Sun Lebanon
  • Seaford
  • Smyrna
  • Wilmington
  • And More

Delaware House Market Overview

Average Home Value


1-Year Home Appreciation


1 Bedroom Rent


Average 3 Bedroom Rent


Homes In Delaware Are More Than Average: The average home value in Delaware is $358,686. This is about $24,000 more than the median sale price in the US ($358,686). Based on these numbers, it’s fair to say that there is money to be made in the Delaware property market. The barrier to entry isn’t too high, and there is potential to make a nice profit if you can find the ideal property to invest in.

Rental Rates Are Reasonable Relative To House Prices: The average 1-bedroom rental rate is $984, while the average 3-bedroom rental rate is $1,680. While these rates aren’t particularly high, they need to be factored in with the average property price in Delaware. In essence, it’s affordable to buy or rent in the Diamond State.

Median Home Price by MSA

MSA Name Median Home Price 1-Year Appreciation 3-Year Appreciation
Dover $316,100 7.4% 38.1%

Delaware Real Estate Market Analysis

Home Appreciation In Dover Is Slightly Lower Than Average: The 1-Year Appreciation rate for homes in Dover is 7.4%, while the 3-year appreciation rate is 38.1%. This is a touch lower than the US National average of 8.6% (1 year) and 41.4% (3 years).

There Aren’t Very Many Home Sales In Delaware: Over the last 12 months, there were approximately 78548 homes sold in Delaware. This is a drop of 21.7% compared to the previous year. This Delaware market has clearly been affected by rising interest rates, which have increased the long term cost of home ownership.

Delaware 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 one of the highest-rated Delaware hard money lenders with a selection of real estate loans perfectly matched to meet your real estate investing needs. Unlike a conventional mortgage which can take ages to complete, our hard 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 fast closing hard money loans.

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, we are a direct lender that provides asset-based hard money loans at scale. With asset-based lending, the underwriting process can be more lenient than conventional lenders. This is because the underlying value of the asset is more important than the financial background of the investor when setting the terms of the real estate loan.

As a result, the financing and credit score requirements of a hard money lender are less stringent, income verification is not needed and the debt-to-income ratio of the borrower doesn’t matter. Plus, we can get your hard money loan 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.

The maximum loan amount for New Silver's construction loans is currently $5,000,000. This is usually sufficient for most residential building projects.

Yes. Our fix and flip hard money loans can act as a bridge loan for property investors with a loan term ranging from 6 to 24 months in duration. More information can be found on the loan product page.

Also, it's worth noting that a short term hard money loan is actually a bridge loan, but with a very specific purpose (helping property investors purchase fix-and-flip houses).

The main reason fix and flip hard money loans have higher interest rates than a traditional lender 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, a private investor could potentially lose money with a fix and flip. This risk is applicable to the borrower and the hard money lender. The higher interest rate compensates for this risk that a hard money lender is willing to take on.

The origination fee (loan points) of a hard money loan 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 Delaware real estate investors 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 of a hard money lender are not as stringent as a traditional lender, we do review the credit history of all the borrowers that apply for a hard money loan. If you’re worried about whether or not you qualify for a bad credit loan, it is best to look at our loan products page to see if New Silver is a good fit for your needs.

  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
  5. Rehab Loan - Home renovation loan for property investors

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

Ultimately, it all comes down to the number of units. We provide property investors with capital for projects ranging from 1 to 50 units. If you're hoping to build a commercial building that exceeds 50 units, we can connect you with one of our partners in order to get you the capital you need to complete the project.

Where We Lend

Hard Money Loans Across The US

Apply for a loan at New Silver today!

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