Get the Capital You Need to Move Your Real Estate Project Forward.

• Fix and Flip Interest Rates from 10.99% (interest-only payments) and origination as low as 1.99% (Deal Dependent) 
• New Construction Interest Rates from 11.99% (interest-only payments) and origination from 1.99-3% (Deal Dependent)
• In-House Appraisal Fee: Average of $249
• Loan Documentation: Average of $1499
• Credit Report: $85, or $125 for joint reports 
• Flood Certificate: $15  
• Monthly Servicing: $15  

• Mandatory title policy for the mortgagee. 
• Insurance policy (Builder’s Risk) required for the entire loan duration. 
• Up to 75% financing of the After Repaired Value for Flips (points & fees excluded), capped at 90% of cost. 
• 70% financing of the After Repaired Value for New Construction (points & fees excluded), capped at 85% of cost with Appraisal, Survey and plans. 
• Loan term: 6 months - 12 Months
• Optional 3-month extension available for 1 Point. 

• Required Credit Score: 600 or above. 
• Minimum of $15,000 in Checking, Savings, IRA, or 401(k) accounts. 
• No recent bankruptcies or foreclosures (subject to Silverton's review).
• Certification of Formation
• Letter of Good Standing issued by the Texas Secretary of State
• Certificate of Account Status from the Texas Comptroller of Public Accounts
• Organizational Documents, including:
  • Partnership Agreement
  • Operating Agreement
  • Articles of Incorporation
• EIN Confirmation Letter from the Internal Revenue Service
• Most Recent Bank Statements (all pages) for all accounts, including checking, savings, money market, and certificates of deposit
• Fully Executed Contract
• Title Company Contact Information, including:
  • Name
  • Email Address
  • Phone Number
• Detailed Renovation Budget, supported by contractor bids
• Certificate of Insurance for the property (a 6-month + policy must be paid in full prior to loan closing)

• Exclusive to First Liens 
• Eligible properties: Single-family homes, 2–4-unit buildings, and townhomes (excluding condominiums or manufactured homes). 
• Loans based on After-Repaired Value (ARV). 
• Silverton appraisals primarily conducted by in-house appraisers. 
• Property locations: Properties should be located in suburban regions or major metropolitan hubs, including Dallas, Fort Worth, Houston, Austin, San Antonio, and similar areas.
• Silverton may modify advance rate criteria as needed.

• Internal Appraisals based on After-Repaired Value (ARV), exclusively ordered by Silverton Capital.
• Borrowers must provide a minimum 6-month, fully paid insurance policy at closing based on loan term. 12-month for New Construction. Evidence of insurance and invoice required from the borrower's insurance agent before closing.
• Full payment of insurance premiums at closing is mandatory without exceptions.
• For properties, dwelling coverage must include vacancy and vandalism riders. Builder's risk policy recommended for rehabs exceeding $20,000.
• Borrowers with blanket policies must show proof of insurance for the new property and the existing blanket policy.

• Replacement cost coverage is compulsory.
• Lender to be listed as loss payee and additional insured. To avoid loan closing delays, arrange insurance promptly!

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A hard money loan is a short-term financing option used to purchase investment properties for rehabilitation, followed by resale or rental. 

A hard money loan finances acquisition and renovation costs, reducing out-of-pocket expenses. With quick closing and fewer qualifications than conventional loans, investors can compete for deals, retain capital, and maximize returns.

As fellow investors having used the same products, we understand the importance of quick and hassle-free lending. This allows you to focus on swiftly completing your rehab, listing, and closing, so you can move on to your next project without delay.

The standard closing time is 3 to 5 business days and in certain cases, sooner.

We require a 600 minimum credit score.

Please visit our loan criteria to learn more.