Hard Money Lenders North Carolina

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

Fast North Carolina 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 from a hard money lender in North Carolina? Look no further than New Silver. New Silver has the perfect selection hard money loans for property investors in North Carolina.

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 NC.

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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 North Carolina. 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 North Carolina 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 North Carolina

North Carolina Housing Market Overview

Average Home Value

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$336,483

1-Year Home Appreciation

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0.6%

Average
2 Bedroom Rent

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$1,722/month

Average 4 Bedroom Rent

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$2,495/month

Affordable Entry Points with Steady Growth: North Carolina’s average home value of $336,483 is slightly above the national average, offering investors affordable entry points into the real estate market. With a modest 0.6% year-over-year appreciation, the state demonstrates steady growth, making it attractive for both new and seasoned investors seeking long-term gains.

Rental Market Insights in North Carolina: North Carolina’s rental market continues to thrive, especially in metro areas like Charlotte, Raleigh, and Durham, where job growth and in-migration remain high. The average rent for a two-bedroom unit is $1,722, while four-bedroom homes command around $2,495 per month — numbers that reflect both population demand and rising housing needs in family-oriented suburbs and tech-driven cities.

 

House Flipping Hot Spots In North Carolina

Charlotte: With a booming population and expanding job market, Charlotte is a top-tier flipping destination. The city consistently sees strong buyer demand, especially in up-and-coming neighborhoods like Enderly Park and West Charlotte, where older homes can be purchased below market value and renovated for substantial resale gains. Flippers benefit from a wide pool of end-buyers relocating for work in banking, tech, and healthcare.

 

Fayetteville stands out for its low property acquisition costs and steady resale demand, largely driven by the presence of Fort Liberty (formerly Fort Bragg). Investors can pick up distressed or outdated properties in military-adjacent neighborhoods, renovate them affordably, and quickly sell to families, VA buyers, or investors targeting rental inventory for military personnel.

Winston-Salem offers one of the best price-to-value ratios in the state. With median home values lower than nearby Greensboro or Charlotte, the barrier to entry is modest, while appreciation is quietly accelerating. Neighborhoods like West Salem and Ardmore are filled with historic homes that, with the right updates, can command premium prices from buyers seeking charm with modern touches.

North Carolina Real Estate Investor Associations

 

Resources Used In This Post:

Zillow | 2BR Rent | 4BR Rent | Census.gov | Redfin Charlotte | Redfin Fayetteville | Realtor.com Winston-Salem

 

Reasons to Fund Your Investment Property with New Silver

It doesn’t matter if you are a rental property 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 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 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 North Carolina, 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 North Carolina. 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 North Carolina, 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 North Carolina.

Where We Lend

Hard Money Loans Across The US

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