Hard Money Lenders Louisiana
Fast Louisiana 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

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 Louisiana.
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 LA.
Get Approved OnlineLoan Programs
Fix & Flip
For house flippers hoping to purchase a fixer upper to renovate and resell in Louisiana. Interest rates from 10 – 12.75%, Loan-To-Cost up to 90%, with loan terms 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
Rent
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 $2,000,000
- Interest rate 7.5
- Origination fee 2-3%
- 30-year fixed rate
- More info
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 Louisiana 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 24 months
- More info
Personal
Apply online for a personal loan ranging from $1,000 to $100,000. Rates start from 7%. Compare and apply to multiple lenders easily.
Get pre-approved online immediately, with final approval of the funds within 48 hours. Loan terms up to 10 years.
- Get up to $100,000
- Starting at 7% APR
- No collateral required
- Compare many lenders
- More info
Hard Money Lenders Louisiana
Getting a traditional loan is a slow, drawn-out and exhausting process. At New Silver, our investment property 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 Louisiana. 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 Louisiana 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:
- Alexandria
- Baton Rouge
- Bayou Cane
- Bossier City
- Central
- Chalmette
- Hammond
- Harvey
- Houma
- Kenner
- Lafayette
- Lake Charles
- Laplace
- Marrero
- Metairie
- Monroe
- New Iberia
- New Orleans
- Prairieville
- Ruston
- Shreveport
- Slidell
- Terrytown
- And More

Louisiana House Market Overview
Average Home Value
$186,795
1-Year Home Appreciation
2.3%
Average
2 Bedroom Rent
$763
Average 4 Bedroom Rent
$1098
The Average Home Value In Louisiana Is Quite Low: According to the latest reports from Zillow, the average home value in Louisiana is $186,795. This is more than $140,000 less than the average home value in the US, which is currently $328,745.
As a result, Louisiana can be a happy hunting ground for first time home buyers. Lower than average home prices and a reasonably low cost of living can make it easier for new buyers to take their first steps on the property ladder.
The Home Appreciation Rate Is Not Great: A concern for property investors is that the 1-year home appreciation rate in Louisiana was only 2.3% over the last 12 months. Perhaps more importantly, Louisiana homes are still recovering from a dip in prices that started in September 2022. After reaching an all time high in July 2022 ($191,146) homes prices have been in decline since then. It is reasonable to expect small to moderate growth for the remainder of 2023. Louisiana real estate investors should obviously factor the short term trajectory of investment property prices into their ROI calculations.
Median Home Price by MSA
MSA Name | Median Home Price | 1-Year Appreciation | 3-Year Appreciation |
---|---|---|---|
Baton Rouge | $271,600 | 6.3% | 24.5% |
New Orleans | $278,900 | 1.3% | 23.6% |
Shreveport | $220,600 | 14.8% | 20.0% |
Louisiana Real Estate Market Analysis
Equity Growth In New Orleans Is Slowing Down: While the 3-year appreciation rate in New Orleans is reasonable (23.6%), the last 12 months have been less kind if looking at the median house price specifically. With a median price increase of only 1.3%, equity gains will be limited over the next 6 – 12 months.
Shreveport Is Going Through A Growth Spurt: Unlike New Orleans (1.3%) and Baton Rogue (6.3%), Shreveport achieved double digit growth in median house price over the last 12 months (14.8%). Home prices are also notably lower in Shreveport than other key metropolitan areas in Louisiana, which could present some property investing opportunities. Affordable housing and strong appreciation is generally a good recipe for profitable investing.
Louisiana 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 investing needs. Unlike a conventional mortgage which can take ages to complete, our investment property 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.
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 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 lending tends to be 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 with a hard money loan 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 a bridge loan 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.
The main reason hard money loans have higher interest rates than traditional 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 fix and flip 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, and there is a minimum credit score for our fix and flip loans. 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.
- House Flipping Loan – Designed for house flippers
- Rental Property Loan – 30 year loan for investment properties
- Construction Loan – For new residential building projects
- 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 projects.
Where We Lend
Hard Money Loans Across The US
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Apply for a loan at New Silver today!
Ready to get started with your loan from New Silver? Get approved quickly.