Hard Money Lenders Massachusetts

Get approved in less than 5 minutes with instant term sheet + proof of funds

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

  • Interest rates 9.25 – 11.25%
  • 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
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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 Massachusetts.

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 MA.

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Loan Programs

Fix and Flip

Fix & Flip

For house flippers hoping to purchase a fixer upper to renovate and resell in Massachusetts. Interest rates from 9.25 – 11.25%, Loan-To-Cost up to 90%, with loan terms up to up to 18 months. Hard Money Refinance Loans also available.

  • Get up to $5,000,000
  • Interest rate 9.25 – 11.25%
  • Origination fee from 1.25 - 1.75%
  • Up to 100% construction
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Rent

Rent

30-year rental loans for stabilized rental properties. Ideal for investors hoping to acquire an investment property. Interest rates from 6.5, 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 6.5
  • Origination fee 0 - 2%
  • 30-year fixed rate
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Ground Up

Ground Up

Designed for residential builders, our ground up construction loans can finance up to 90% Loan-to-Cost (LTC). Interest Rates from 10.5 to 11.5%

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

  • Get up to $5,000,000
  • Interest rate 10.5 - 11.5%
  • Origination fee from 1.5 - 2%
  • Up to 18 months
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Loan Application Process Overview

This short video will walk you through the application process, show you how to get conditionally approved online in under 5 minutes, see your preliminary term sheet and show you how our easy online platform helps you be more successful.

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Recently Funded In Massachusetts

Massachusetts Housing Market Overview

Average Home Value

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$658,231

1-Year Home Appreciation

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3.6%

Average
2 Bedroom Rent

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$2,520/month

Average 4 Bedroom Rent

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$3,783/month

High Entry Costs And High Returns

Massachusetts boasts an average home value of $658,231, significantly higher than the national average. This elevated entry point can be advantageous for house flippers, offering the potential for substantial gross and net profits. Identifying undervalued or distressed properties in desirable neighborhoods can lead to lucrative fix-and-flip opportunities.

Steady Appreciation Amidst Market Stability

With a 3.6% year-over-year appreciation, Massachusetts demonstrates a stable and predictable housing market. This consistent growth provides investors with confidence in long-term property value increases, making it an attractive environment for both short-term flips and long-term holds.

Robust Rental Market

The Massachusetts rental market remains strong, with average rents for one-bedroom apartments at $2,520 and three-bedroom units at $3,783. High rental demand, especially in urban centers and college towns, ensures steady cash flow for rental property investors. This demand, coupled with the state’s economic stability, supports favorable rent-to-price ratios.

 

Real Estate Investing Hot Spots In Massachusetts

Boston remains a premier destination for real estate investors due to its robust economy, world-class educational institutions, and strong rental demand. The city’s diverse neighborhoods cater to a wide range of tenants, from students to professionals, ensuring consistent occupancy rates. While property prices are higher, the potential for appreciation and rental income makes Boston a compelling market.

Worcester has emerged as a vibrant market, attracting investors with its affordable property prices and growing economy. The city’s revitalization efforts, including infrastructure improvements and cultural developments, have enhanced its appeal. With a strong rental market driven by universities and healthcare institutions, Worcester offers promising returns for both short-term and long-term investments.

Springfield presents an attractive option for investors seeking lower entry costs and solid rental yields. The city’s strategic location and ongoing economic development initiatives have spurred demand for housing. Investors can find opportunities in both single-family homes and multi-unit properties, capitalizing on the city’s steady rental market and potential for appreciation.

 

Massachusetts Real Estate Investor Associations

 

Resources Used In This Post

Zillow | Apartments.com | Redfin – Boston | Redfin – Worcester | Redfin – Springfield

 

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 top-rated Massachusetts 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 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.

Frequently Asked Questions

Yes. New Silver is both a hard money lender and private money lender specializing in asset-based financing for real estate investors across the U.S. This makes us an excellent option for investors who need quick access to capital – with instant term sheets, competitive rates, and, most importantly, fast closings that typically happen within 5 to 7 business days.

New Silver offers a variety of loan terms to suit different real estate investing strategies in Massachusetts, including:

  • Short-term fix and flip loans with durations typically between up to 18 months.
  • 30 rental property loans for long-term investment stability.
  • Construction loans structured around your development timeline, typically 18 months.

These terms allow real estate investors to match financing to their strategy—whether that’s a quick resale or long-term cash flow.

New Silver provides ground-up construction loans for real estate investors and developers building Residential 1-4 units, condos, townhomes in Massachusetts. We fund projects up to $5,000,000, with terms tailored to construction timelines. These loans are ideal for single-family residential builds that need reliable capital from start to finish.

New Silver offers short-term bridge financing through our fix and flip loan program. These loans have terms of up to 18 months and are ideal for real estate investors who need immediate funding to purchase and improve properties before resale.

Interest rates on hard money loans are higher than traditional mortgages because of the increased risk and speed involved. These loans are used for investment properties that need renovation, quick closing timelines, or flexible qualification—situations traditional lenders usually avoid.

Hard money loans are asset-based, meaning the property’s value drives the approval and serves as collateral for the loan. Since they’re short-term and fund riskier projects, the higher interest compensates for that risk. In return, investors gain access to fast, flexible capital that can help them act on time-sensitive opportunities and scale their portfolio faster.

Origination fees for New Silver loans typically range between 1.25 - 1.75%. Monthly payments on short-term loans are interest-only, reducing cash flow strain during renovations. For an accurate estimate, we recommend using our Hard Money Loan Calculator to preview fees and monthly costs.

Credit scores are part of our evaluation process, but they’re not the primary factor. Unlike traditional lenders, New Silver focuses on the asset and overall deal strength. A lower credit score may still qualify if the investment opportunity is strong.

New Silver offers a range of loan products designed for real estate investors in Massachusetts, including:

Each product is tailored for specific investment strategies, whether you’re renovating, holding, or building.

New Silver specializes in residential investment properties up to 4 units. We do not currently fund commercial properties with more than 4 units. However, we have partners we can refer you to if your project exceeds our scope.

We offer a DSCR-based 30-year rental property loan.This loan qualifies largely based on the income generated by the investment property, with a minimum DSCR requirement of 0.75. It’s ideal for buy-and-hold investors who want long-term financing in Massachusetts.

Where We Lend

Hard Money Loans Across The US

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