Hard Money Lenders New Jersey

Fast New Jersey 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? Get approved for a hard money loan in 5 minutes using our online application

Need one of the best New Jersey Hard Money Lenders? Look no further than New Silver. New Silver has the perfect selection hard money loans for property investors in New Jersey.

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 NJ.

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Loan Programs


Fix & Flip

For house flippers hoping to purchase a fixer upper to renovate and resell in New Jersey. 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 New Jersey 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

New Jersey Hard Money Loans

Getting a traditional loan is a slow, drawn-out and exhausting process. At New Silver, our New Jersey hard money loans are designed for real estate investors that value speed, efficiency and transparency. Offering fix and flip loans, DSCR Loans and construction 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 New Jersey. As licensed real estate investment professionals, we know what New Jersey investors need: quick and easy online applications, terms of up to twenty-four months and most of all, fast closing hard money loans with 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 New Jersey hard money lending team today to find the best loan fit for your next real estate project.

Ultimately, if you need fast closing hard money loans with competitive interest rates, New Silver is the hard money lender for you.

New Silver lends in these cities:

  • Asbury Park
  • Atlantic City
  • Bayonne
  • Camden
  • Cherry Hill
  • Clifton
  • East Brunswick
  • East Orange
  • Edison
  • Elizabeth
  • Freehold Township
  • Hackensack
  • Hoboken
  • Jersey City
  • Kearny
  • Long Branch
  • Mahwah
  • Manalapan
  • Monroe Township
  • Montclaire
  • Morristown
  • Mount Laurel
  • Newark
  • North Bergen
  • Old Bridge Township
  • Paramus
  • Parsippany-Troy Hills
  • Passaic
  • Paterson
  • Piscataway
  • Princeton
  • Red Bank
  • Secaucus
  • Teaneck
  • Toms River
  • Trenton
  • Voorhees Township
  • West Orange
  • Wildwood
  • Woodbridge Township
  • And More!

Overview of New Jersey’s Housing Market

Average Home Value


1-Year Home Appreciation


2 Bedroom Rent


Average 4 Bedroom Rent


Homes In NJ Are Worth More Than Average: The average home value in New Jersey is $451,704. This is over $120,000 more than the average home value in the US ($328,745). Higher home values can be advantageous for house flippers and rental property investors, provided you can secure the capital needed to purchase the property.

In some respects, it’s a double edged sword. The higher cost of homes translates to greater gross profit when the house is sold. However, it also makes purchasing the house more difficult initially. This is why so many real estate investors turn to hard money lenders. They make it much easier to acquire the funds needed to execute a property deal.

The NJ Market Is Stabilizing After A Massive Spike In Growth: From mid 2020 to July 2022, the average home value in New Jersey spiked dramatically. For instance, the average price in July 2020 was $350,044, while the average price in July 2022 was $452,565. For the average home value to increase by $100,000 over 3 years is nothing short of amazing.

However, a more pessimistic economic outlook, combined with a much healthier balance between supply and demand is causing New Jersey home prices to stall. It’s reasonable to expect this flat-line to continue for a good part of 2023, and potentially into 2024 as well.

Median Home Price by MSA

MSA Name Median Home Price 1-Year Appreciation 3-Year Appreciation
Atlantic City $321,700 8.6% 51.1%
Newark $588,300 7.3% 40.6%
Trenton $398,000 7.0% 38.5%

Analysis of New Jersey’s Real Estate Market

Atlantic City Prices Have Experienced Intense Growth Over The Last 3 Years: While the median house price in Atlantic city has only increased by 8.6% over the last 12 months, the view changes when you consider a longer time horizon. Simply put, the median house price in Atlantic city has increased by 51.1% over the last 3 years.

In spite of this intense period of growth, homes in Atlantic city are still reasonably affordable by US and New Jersey standards. If you’re looking for a beginner friendly market, Atlantic city might be the answer.

Executing Flips In Newark Can Be Very Lucrative: Of the key metropolitan areas in New Jersey, Newark has the highest median house price ($588,300). Provided you can pinpoint a property with potential and keep the renovation costs under control, completing a house flip in Newark can generate a substantial gross profit.

The key is to complete a thorough analysis of the comps (comparable properties) in the area that you are targeting. This will give you the best understanding of the After Repair Value and help you estimate the net profit that you can walk away with when the house is resold.

New Jersey 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 New Jersey hard money lenders with a selection of hard money loans perfectly matched to meet your real estate investing needs. Unlike a conventional mortgage which can take ages to complete, our 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.

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 loans at scale. With asset-based hard money 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 New Jersey hard 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.

As one of the most established New Jersey hard money lenders, we are able to offer a maximum loan amount of $5,000,000 for construction projects.

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.

It's important to note that hard money loans are actually bridge loans, but with the express purpose of helping property investors fix-and-flip houses.

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 fix and flip loans. This risk is applicable to the borrower and the lender. The higher interest rate compensates for additional risk involved with hard money lending, 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) of most hard money loans 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 private 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 projects.

Where We Lend

Hard Money Loans Across The US

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