Hard Money Lenders Georgia

Fast Georgia 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
Georgia 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 Georgia.

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 Georgia.

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Loan Programs


Fix & Flip

For house flippers hoping to purchase a fixer upper to renovate and resell in Georgia. 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
Get Approved Online


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 Georgia 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

Georgia Hard Money Lender

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 Georgia. 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 Georgia 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:

  • Albany
  • Alpharetta
  • Athens Clarke County
  • Atlanta
  • Augusta
  • Brookhaven
  • Columbus
  • Dunwoody
  • Gainesville
  • Johns Creek
  • Mableton
  • Macon County
  • Marietta
  • Milton
  • Newnan
  • Peachtree Corners
  • Roswell
  • Sandy Springs
  • Savannah
  • Smyrna
  • South Fulton
  • Stonecrest
  • Valdosta
  • And More

Georgia House Market Overview

Average Home Value


1-Year Home Appreciation


1 Bedroom Rent


Average 3 Bedroom Rent


Houses In Georgia Are Relatively Affordable: The average home value in Georgia is $306,278. This is $26,000 less than the average home value in the US ($334,269).

The Rental Market In Georgia Is Okay:The average 1-bedroom rent is $606, while the average 3-bedroom rental rate is $1,097. This means that tenants can potentially get good value for money if they choose to rent in Georgia. Landlords need to complete a thorough analysis of the rental comps before investing any capital in the Peach State.

Metro Areas With High Appreciation Rates

Rank Metro Area Appreciation Rate
1 LaGrange 54.1%
2 Monroe 34.8%
3 Milton 33.8%
4 Peachtree City 27.2%
5 St Simons 21.9%
6 Savannah 20.8%
7 Roswell 20.0%
8 Hinesville 19.9%
9 Evans 18.0%
10 Perry 17.2%

Georgia Real Estate Market Analysis

Atlanta Is Experiencing Good Growth: The 1-year appreciation rate in Atlanta is 14.0%, while the 3-year appreciation rate is 55.9%. Both of these stats are considerably better than the US average (8.6% over 1-year and 41.4% over 3 years).

There Are Some Very Hot Local Markets In Georgia: Over the last 12 months, LaGrange, Monroe and Milton all appreciated by more than 30%. If you simply bought and sold property in these areas, without making any upgrades or recommendations, you would still have turned in a decent profit.

Georgia 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 top-rated Georgia 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 a fast closing hard money loan.

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.

Our construction loans have maximum loan amount of $5,000,000.00 which can fund residential projects ranging from 1 to 50 units.

p>Yes, New Silver is a private money lender that provides asset-based 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 a private money loan.

As a result, the financing and credit score requirements of private money lenders are less stringent, income verification is not needed and the debt-to-income ratio of the borrower doesn’t matter. 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 act 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 amounts available.

It is also worth noting that hard money loans are effectively bridge loans, but with the express purpose of funding house flipping projects.

The main reason fix and flip loans have higher interest rates than traditional loans is because of the risks involved when purchasing investment properties. 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 house flip loan. This risk is applicable to the borrower and the lender. The higher interest rate compensates for the higher risk involved when funding a fix and flip deal.

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 residential 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 are not as stringent as a traditional lender, we do review the credit history of all our borrowers when funding a project. If you’re worried about bad credit, it is best to look at our hard money loan products page to see if New Silver can provide the lending solutions you need.

  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 amounts should be big enough to cover both residential and commercial properties.

It really comes down to the number of units. New Silver can provide funding for investment properties ranging from 1 to 50 units. However, if you are hoping to build or purchase commercial properties that exceed 50 units, we have partners that can help secure 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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