Hard Money Lenders North Carolina

Fast North Carolina 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 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 & Flip

For house flippers hoping to purchase a fixer upper to renovate and resell in North Carolina. 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 North Carolina 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

Hard Money Lenders NC

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 a top-rated hard money lender in North Carolina. 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 North Carolina 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 loan with competitive interest rates, New Silver is the hard money lender for you.

New Silver lends in these cities:

  • Apex
  • Asheville
  • Burlington
  • Cary
  • Chapel Hill
  • Charlotte
  • Concord
  • Durham
  • Fayetteville
  • Gastonia
  • Greensboro
  • Greenville
  • High Point
  • Huntersville
  • Jacksonville
  • Kannapolis
  • Raleigh
  • Rocky Mount
  • Wilmington
  • Winston Salem
  • And More

North Carolina Housing Market Overview

Average Home Value


1-Year Home Appreciation


2 Bedroom Rent


Average 4 Bedroom Rent


Homes In North Carolina Are Reasonably Priced: The average home value in North Carolina ($302,275) is about $26,000 less than the average home value in the US ($328,745). In addition to relatively well priced homes, North Carolina is also considered a very desirable place to live. This is evidenced by the fact that North Carolina consistently ranks in the top states for attracting new residents relocating from other states.

Home Prices In NC Are Starting To Stabilize: While home prices in North Carolina soared from mid 2020 to mid 2022, it’s fair to say that home prices are starting to stabilize. For instance, in July 2022, the average home in NC was worth $303,469. This value dropped down to $302,275, as of January 2023.

Based on the current market signals, it seems that the North Carolina property market will remain in neutral for the next 3 – 6 months, and possibly longer than that.

Median Home Price by MSA

MSA Name Median Home Price 1-Year Appreciation 3-Year Appreciation
Charlotte $400,600 10.2% 50.5%
Durham $458,500 10.0% 53.8%
Fayetteville $227,400 15.7% 49.7%
Greensboro $278,900 18.3% 56.6%
Raleigh $460,500 14.1% 55.9%
Wilmington $411,000 10.8% 54.5%
Winston-Salem $283,000 17.3% 53.6%

North Carolina Real Estate Market Analysis

The 3-Year Growth In Median Sale Value Is Impressive, Across All Metro Areas: There are very few states in America that have seen the 3-year appreciation rate exceed 50% in almost all the key metropolitan areas. North Carolina is one of those select few, with Greensboro (56.6%), Raleigh (55.9%) and Wilmington (54.5%) all experiencing phenomenal growth over the last 36 months.

There Are A Number of Potentially Lucrative Markets: There are a few markets in North Carolina where it is possible to execute a lucrative fix-and-flip deal. This includes Charlotte, Durham, Raleigh and Wilmington, which all have median sale values that exceed the $400,000 mark.

The key to succeeding in these markets is to find a poorly maintained, undervalued property and give it a much needed renovation. Provided you complete a thorough analysis of the comps and keep the rehab costs under control, there is potential to make a healthy net profit in these cities.


North Carolina Real Estate Investor Associations

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 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 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 hard money lenders in North Carolina, we can offer a maximum loan amount of $5,000,000 on all of our construction loans.

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 is also important to clarify that hard money loans are actually bridge loans, but with the express purpose of helping investors fix and flip properties.

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) 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 hard 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 properties.

Ultimately, it all comes town to the number of units. If the investment property is between 1 and 50 units, we can provide the capital you need. If the investment property is more than 50 units, we can connect you with one of our partners in order to get you the capital you need to purchase commercial properties.

Where We Lend

Hard Money Loans Across The US

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