Hard Money Loans in Jefferson County Colorado

Are you an investor in Lakewood, Arvada, or Golden looking for fast capital? YourLOI provides tailored hard money loans in Jefferson County Colorado. Our programs are designed for real estate investors, flippers, and developers who need quick closings, flexible terms, and minimal documentation.

hard money

What Are Hard Money Loans?

Hard money loans are short-term, asset-based loans used to acquire, refinance, or renovate investment properties. Unlike traditional bank financing, our loans focus on the value of the property, not the borrower’s income or credit score.

Private Loans vs. Traditional Bank Loans

We close in 5–10 days compared to 30–60+ with banks, require minimal documentation instead of full income verification, fund a wide range of properties including rehabs, distressed, and auction purchases (not just move-in ready homes), offer flexible draw schedules and structures, and bring the experience of funding over 1,000 Colorado deals.

How to Qualify

– Property under contract or owned
– Purchase or refinance scenario
– Exit strategy (sale or refinance)
– Renovation plan and ARV (if applicable)
– Basic borrower info (ID or entity docs)

Property Types Eligible

– Single-family homes (SFRs)
– Multi-family buildings (2–20 units)
– Mixed-use and light commercial properties
– Fix and flip projects
– Ground-up construction with approved permits

Fast Funding Timelines

– Term sheet in 24 hours
– Underwriting in 48–72 hours
– Closings in 5–10 business days
– Draw schedules available for rehab projects

Local Lending Experience in Jefferson County

From historic properties in Golden to suburban flips in Arvada, we understand the zoning, permitting, and inspection requirements unique to Jefferson County. We serve investors across Colorado, including Denver, Colorado Springs, Aurora, Lakewood, and surrounding metro areas.

Why Private Lending Over Banks?

Credit score not a primary factor

Close in 7-10 days

Perfect for distressed, auction, and time-sensitive deals

Flexible loan structures based on property value

No income verification or tax returns

Experience You Can Trust

YourLOI has funded over 1,000 investment projects across the state. As a licensed private lender, we offer transparency, compliance with Colorado property laws, and hands-on support through every phase of the deal. Our team includes experienced underwriters, brokers, and local experts who know how to get your deal done—fast.

Get Started Today

Get fast approval on your loan by applying now and speaking with a local Colorado lending expert who’ll guide you through the process. Simply submit your deal scenario for same-day feedback and take the first step towards achieving your financial goals