Hard Money Lenders Virginia
Get approved in less than 5 minutes with instant term sheet + proof of funds
Fast Virginia 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 Virginia.
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 VA.
Loan Programs
Fix & Flip
For house flippers hoping to purchase a fixer upper to renovate and resell in Virginia. 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 6.5, 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
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 Virginia 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 Virginia

$529,750
Chesterfield, VA

$178,500
Hampton, VA

$552,000
Moneta, VA

$157,250
Newport News, VA

$310,000
Richmond, VA

$671,500
Richmond, VA

$724,000
Richmond, VA

$669,900
Richmond, VA

$560,000
Richmond, VA

$511,000
Richmond, VA
Virginia Real Estate Market Overview
Average Home Value
$408,059
1-Year Home Appreciation
3.3%
Average
2 Bedroom Rent
$1,960/month
Average 4 Bedroom Rent
$2,124/month
Flipping Opportunities in a Competitive Market: Virginia’s housing market has experienced a steady appreciation of 3.3% over the past year, indicating a healthy demand for homes. The average home value stands at $408,059, offering flippers a solid base for potential profits. However, the market remains competitive, with homes going to pending in around 11 days, necessitating swift action from investors.
Strong Rental Market: The rental market in Virginia continues to show strength, with average rents for two-bedroom units at $1,960 and four-bedroom units at $2,124. This stability in rental income can provide a safety net for flippers considering a buy-and-hold strategy, ensuring consistent cash flow even if the resale market takes longer to yield profits.
Real Estate Investing Hot Spots In Virginia:
Richmond offers an excellent balance of affordability and appreciation. With a revitalized downtown, strong demand for renovated homes, and ongoing gentrification in neighborhoods like Church Hill and Manchester, house flippers can find under-priced properties with solid upside. The city’s vibrant job market and universities also sustain buyer interest year-round.
Virginia Beach combines steady tourism, military presence, and a tight housing market, creating ideal conditions for flipping. Investors often target aging homes in desirable school zones or near the beach, where upgrades can dramatically increase resale value. Low inventory and high desirability mean flipped homes don’t sit on the market for long.
Alexandria: Located just outside Washington, D.C., Alexandria is known for its high property values and historic charm. Flippers can capitalize on older properties needing modernization, particularly in neighborhoods like Del Ray and Old Town. While the buy-in is higher, so is the ceiling for post-renovation resale — making it a prime target for experienced investors seeking bigger profits.
Data Sources: Zillow – VA Home Values | 2 Bedroom Rent VA | 4 Bedroom Rent VA
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 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.

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 Virginia, 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 Virginia. 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 Virginia, 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 Virginia.
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
Apply for a loan at New Silver today!
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