Seattle · Washington
Need financing for a Seattle property? Submit your deal and our hard money specialists will explore loan options with you. Your initial inquiry is free, with no obligation.
Tell us what you need to borrow and your plans for the property.
Share a Seattle or Puget Sound property with Hard Money Specialists and explore financing suited to your plans.
Use the form on this page to share the property, amount needed, timeline and what you want to achieve. Include anything that might complicate the deal.
A specialist reviews the details and discusses the financing routes that may suit the property and your circumstances.
The lender assesses the deal. Compare the written terms, fees, draw conditions, repayment date and any extension provisions.
Valuation, title, documentation and any other conditions must be satisfied before funding. Confirm the actual closing requirements rather than assuming a date.
Why Hard Money Specialists
Hard Money Specialists is a national specialist finance brand that works with investors across the Seattle area. We help Puget Sound borrowers talk through their deals with a hard money specialist.
Your Seattle inquiry is read by a person who understands how deals work in the Puget Sound area, from older city homes to suburban builds.
Financing is arranged through a small, vetted group of hard money lenders who consider projects in Seattle and across King County.
Sharing your Seattle deal with us costs nothing, and you decide whether any financing proposal makes sense for your plans.
A house that needs major repairs, a rental purchase with a tight deadline or an infill lot with a build plan may not suit a conventional mortgage. Hard money financing can be an option when the property and a credible repayment plan support a shorter-term loan.
Hard Money Specialists helps you talk through your deal with a hard money specialist. Tell us what you are trying to do, not just how much you want to borrow. The address, work needed, available cash or equity and intended exit all help make that conversation useful.
Seattle is not one uniform market. A remodel in Ballard or Beacon Hill needs different comparables and a different scope from a newer townhome in Northgate or a rental in Renton. Start with the actual property rather than a citywide price assumption.
Read the hard money loans guide
The right structure depends on the property and what comes next. These are some of the situations you can discuss with a specialist.
Purchase and renovation financing for a resale project. An older Seattle craftsman or mid-century home may need foundation, sewer line or electrical work along with new finishes. Bring a scope that covers both, with recent nearby sales supporting the finished value.
Explore this financingExplore financing for a single-family rental or small multifamily property. If the plan involves a refinance after repairs, check realistic rent, insurance, ongoing expenses and the future lender's requirements before committing.
Explore this financingShort-term funding may help when a purchase, sale or refinance does not line up. Explain what event will repay the loan, what evidence supports it and what happens if that event takes longer than expected.
Explore this financingAdding a backyard cottage, a lot split or a small ground-up build depends on plans, permits, utility connections and contractor costs. Permit timing belongs in the schedule and the budget from the start.
Explore this financingA small commercial building, land purchase or time-sensitive debt problem needs its own assessment. Share the property's use, any existing debt and the practical plan for repayment rather than trying to fit it into a standard home-loan application.
Explore this financingA good financing plan starts with a workable property plan. A few local checks can uncover costs or delays before they become a problem.
Additions, units and structural changes in Seattle usually need permits and plan review, and review times can affect your holding costs. Check the permit history on existing work as well as the changes you plan to make.
Much of Seattle's housing is decades old and many lots sit on slopes. Have qualified inspectors look at the foundation, side sewer, drainage, electrical and roof before you commit, and price any needed work.
Confirm whether the parcel is within Seattle or a neighboring city such as Bellevue, Shoreline or Renton, or in unincorporated King County. Each has its own permitting and zoning rules.
Use recent sales of similar homes nearby, adjusting for condition, size, lot and finish. For a rental or refinance, test the plan against realistic rent, taxes, insurance and a lower than expected valuation.
Interest and points are only part of a project's budget. Allow for closing costs, any broker fee, inspections, insurance, taxes, utilities and a repair contingency. Ask how renovation draws work and whether you must pay for completed work before reimbursement.
Compare the amount of cash needed at closing with what you need to keep the project moving afterward. A loan that funds the purchase but leaves no room for repairs or a delay may not solve the problem.
Run the numbers for your Seattle dealSend us the exact address whether the property is in Seattle itself or elsewhere in the Puget Sound area. Bellevue, Redmond, Renton, Kent, Everett and Tacoma each have their own neighborhoods, permitting requirements and property considerations. Financing availability is assessed for the individual address and project.
Share the sale date right away, together with the debt outstanding, equity position and repayment plan. A financing inquiry does not pause a trustee sale. Speak with a qualified Washington attorney about deadlines and legal options while any financing review is underway.
Read about foreclosure bailout optionsMost Washington real estate loans are secured by a deed of trust, and foreclosure is usually non-judicial under the state's Deed of Trust Act. A notice of default comes first, and the notice of trustee's sale must be recorded well ahead of the sale date, so there is a defined window, but it can pass quickly.
Washington also offers a foreclosure mediation program for many owner-occupied homes, which can affect the timeline for homeowners. For investors, the notice requirements make it worth checking exactly where a distressed property is in the process before relying on a closing date.
Title review and the payoff on any existing loans are central to the timing of a Washington closing. A title company and a Washington real estate attorney can confirm what applies to a specific property.
General information only, not legal advice. Rules change and every property is different.