Hard Money Lenders Pennsylvania
Get approved in less than 5 minutes with instant term sheet + proof of funds
Fast Pennsylvania 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

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 Pennsylvania.
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 PA.
Loan Programs
Fix & Flip
For house flippers hoping to purchase a fixer upper to renovate and resell in Pennsylvania. 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
Rent
30-year rental loans for stabilized rental properties. Ideal for investors hoping to acquire an investment property. Interest rates from 6.375, 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 6.375
- Origination fee 0 - 2%
- 30-year fixed rate
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 Pennsylvania 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
Recently Funded In Pennsylvania

$184,000
Erie, PA

$589,500
Philadelphia, PA

$164,000
Philadelphia, PA

$66,500
Philadelphia, PA

$107,200
Prospect Park, PA

$133,500
Waynesburg, PA
Pennsylvania Housing Market Overview
Average Home Value
$279,451
1-Year Home Appreciation
3.4%
Average
2 Bedroom Rent
$1,076/month
Average 4 Bedroom Rent
$1,819/month
Homes In Pennsylvania Are Affordable: Pennsylvania’s average home value of $279,451 is significantly below the national average, offering investors affordable entry points into the real estate market. With a 3.4% year-over-year appreciation, the state demonstrates steady growth, making it attractive for both new and seasoned investors seeking long-term gains
More People Are Moving Out Of Pennsylvania Than Moving In: Another potential concern for Pennsylvania real estate investors is that more people are moving out than moving in. In fact, Pennsylvania has been ranked inside the top “most moved out of” states in the US. The problem with this dynamic is that it has a negative impact on demand, which can slow down property appreciation in the Keystone state.
PA Rental Market: The rental market in Pennsylvania remains strong, with average rents for two-bedroom units at $1,076 and four-bedroom units at $1,819. These figures indicate a healthy demand for rental properties, particularly in urban centers and areas with limited housing supply. Investors focusing on buy-and-hold strategies can benefit from consistent rental income, especially in markets with low vacancy rates.
House Flipping Hot Spots In Pennyslvania
Philadelphia remains one of the strongest house flipping markets in Pennsylvania due to its large population, affordable housing stock in older neighborhoods, and strong buyer demand. Areas like Fishtown, Brewerytown, and Kensington are undergoing significant revitalization, allowing flippers to purchase undervalued homes and renovate them for solid returns. The city’s job market, major universities, and cultural attractions help maintain steady demand.
Pittsburgh offers a unique blend of low property acquisition costs and high potential resale value, particularly in neighborhoods like Lawrenceville, Bloomfield, and East Liberty. The city’s tech-driven economy, growing medical sector, and influx of younger residents make it a favorable market for flips. With median home prices still below national averages, investors can enter at a relatively low cost and target areas with rising property values.
Allentown is experiencing a surge in development and revitalization, driven by public-private partnerships and increased interest from out-of-state buyers. Its lower purchase prices, combined with a growing local economy and an improving downtown area, make it attractive for fix-and-flip projects. Investors can often find distressed properties with strong after-repair value (ARV) potential due to improving schools, infrastructure, and commercial activity.
Resources Used In This Post:
Zillow Home Value | Zillow 4BR Rent | Redfin PA Housing Market | United Van Lines Migration Report
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 Pennsylvania hard money lenders 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 fast closing hard money loans for Pennsylvania real estate investors.

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 Pennsylvania, 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 Pennsylvania. 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 Pennsylvania, 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 Pennsylvania.
Where We Lend
Hard Money Loans Across The US
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington DC
- West Virginia
- Wisconsin
- Wyoming
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