Hard Money Lenders for Real Estate Investors

Name: Hard Money Loans
Brand: Pine Financial Group

Real estate investors face unique and evolving challenges when it comes to financing their real estate investments. Having the money ready to fund your transaction is getting tougher and more important than ever. Because we only succeed when our clients do, we are dedicated to helping you make money. We understand real estate investors because we are real estate investors. Being in business since 2008 with thousands of completed transactions gives us the unique qualification of being your go-to hard money lender.

Our Loans

Offering an array of loans specially designed for real estate investors, we have the tools you need to be successful with your real estate investment financing.

Rehab Loans

Working on a fix and flip or fix and hold project? If you are looking for a lender to fund the purchase and repairs for your next project, we have your back!

Learn more about rehab loans

IRA Loans

Did you know your IRA can borrow money to fix and flip houses? These loans are required to be non-recourse to the IRA owner and can be challenging to find. We are self-directed IRA experts and can help you with your next IRA investment property.

Learn more about IRA loans

45 Day Bridge Loans

The cheaper short-term solution. If you need to wait out a deed restriction or have a super easy rehab project, the 45 Day Loan is the perfect fit. Close on your deal now and refinance later.

Learn more about 45 day bridge loans

Commercial Bridge Loans

Value-add is the name of the game. We understand that financing commercial projects in need of improvements or stabilization can be tricky. That is why we offer a bridge loan giving you time to stabilize and refinance your commercial projects. One value-add commercial deal can change your life forever. We are there for you!

Learn more about commercial bridge loans

Portfolio Loans

Need a lender with a little more flexibility and can get deals done? Let’s face it. Real estate investing can be hard, especially the financing. If your deal does not fit into the perfect little box for easy financing, you may want to consider a portfolio lender.

Learn more about portfolio loans

90% Acquisition Loans

Need to close fast? Check out the 90% Acquisition Loan where we can close in days, not weeks or months, with a small 10% down payment.

Learn more about 90% acquisition loans

Flash Cash Loan

If you are a wholesaler, we can help. Restrictions with double closes have become more and more challenging. It is often necessary to fund your deal before you can resell it and make your profit. Need money for a day or two? We can handle that.

Learn more about flash cash loan

Additional Resources For House Flippers

Looking for more information for real estate investors? We are investors ourselves and love sharing what we have learned to help you be successful. Check out our blog and leave us some comments!

8 Rules For Making Offers On Bank-Owned Property

Tips On How To Make Decisions And How Real Estate Investors Can Benefit From Them

Buying A Foreclosed Home In Minnesota: The Foreclosure Process

Understanding The Ins And Outs Of Wholesale Real Estate Contracts

What You Need To Know About Rental Property Mortgage Rates

Cash For Keys After A Foreclosure – What You Need To Know

Why Choose Pine Financial Group?

Pine Financial Group has years of experience and thousands of deals funded for our real estate investor clients. We know how to get deals done, period. Let’s work together to help you make money! We are more than a lender; we are an experienced advisor working with you.

What Our Clients Say

K. Hutchison

Software Engineer

During 2008 & 2009, I was looking for an investment for my company savings and my retirement account which was more solid and could provide a more consistent return than the stock market. I also wanted a monthly cash flow from my company savings to boost earnings. After reviewing many investment opportunities, decided that finding an investment that was secured by real estate was a big plus, especially with a Loan-to-value of between 60% to 70% to make it safer. When I saw Kevin Amolsch’s presentation at the Jefferson County Association of Realtors, I was interested. I was still nervous because funding private Deeds of Trust for rehab projects was new to me. After Kevin walked me through the process of evaluating the funding criteria for each Deed of Trust, I became very comfortable with how thorough the process was, and how every reasonable attempt was made to reduce risk and to safeguard my position. The devil is mostly in the details and Kevin Amolsch is always on top of it. I had also looked into doing rehab myself, but the time commitment was considerable, so this is a great passive way for my company’s funds and my retirement account to participate in revitalizing housing stock and improving neighborhoods, while making a good return. After funding several Deeds of Trust with Kevin, I have recommended his company, Pine Financial, to several of my business partners, family, and friends alike for investing their money.

L. Houkom

Entrepreneur

I have financed numerous investment properties through Pine Financial during the past year and have been very pleased with the business relationship. I have been presented with good solid investments and Kevin and staff have always been professional and easy to work with. Pine Financial has offered investments which represent a good compliment to my investment portfolio and I would recommend them.

P. Shupe

Entrepreneur

I’ve been doing business with Kevin and Pine Financial for 3 years. When I first met Kevin, I was seeking education about real estate investing and private money lending. I had taken time to take courses in real estate investing but wasn’t interested in working that hard again. I had retired. So, I thought that private money lending would be a better fit for me. I could not find any suitable education about private money lending. I was referred to Kevin through several contacts made from the real estate groups that I was attending and he took the time and patience to educate me about private money lending. This education included the proper paperwork, inspections, due diligence, benefits, and risks. The Pine Financial team is also very responsive when I have questions, need more information or providing the necessary information in order to make a decision. If you are interested in private lending, whether you want to be active with your investments or if you want to be a passive investor, I recommend Kevin and Pine Financial for minimizing your risk, ease of getting into the private lending business and your education.

Marcia Martin

Engineer

Kevin Amolsch and the Pine Financial Group provide an excellent way, in these strange economic times, to achieve a high rate of return for one’s money without unreasonable risk. Kevin makes investing easy for newbies like me by handling most of the administrative effort, and he’s always sensitive to my concerns. I highly recommend Pine Financial Group as an easy way to diversify one’s portfolio.

Kevin Ortner

"Many of my clients use Justin and Pine Financial and so do I. It's been nothing short of a great experience every time! Justin really understands this business and is always looking to help his clients. The great part is, not only is Justin a lender, but he's an investor too - so he knows what really matters to you. If you need funding for a rehab project, or are going to rehab to rent, call Justin first!"

J. Carlson

Working with Sean and Pine Financial has been great on every level. From the ease of getting qualified, to the help with all questions we've had along the way, it has always been an A+ experience. Sean has displayed exemplary communication with us, always getting right back to us when needed and staying true to his word. We've thoroughly enjoyed every experience with Pine and would recommend them to anyone from the seasoned investor to the first timer.

Nan K.

Investor

For my 3 years as a real estate investor, some of my best experiences have been in working with Pine Financial. I believe Pine Financial wants their clients to succeed and the systems they have in place, ie: appraisals, credit checks, experience check, SOW’s, help to ensure that the deal they’re loaning on will be successful, providing a win-win-win situation for all. They aren’t in it for their own financial gain alone – if they don’t see it working for you, they’ll tell you. Whether on the funding or borrowing side, I believe one can feel confident working with Pine. Kevin & his staff/partners are down-to-earth professionals, efficient & thorough yet friendly & patient, and they do what they say they will.

H. Gomez

Investor

Always prompt and professional. Pine financial has a very responsive, professional team.

A. Clark

Realtor/Investor

I appreciate all your hard work on this deal. You run a very professional business, not always the case in this industry.

Investor

Ryan and I found your workshop so valuable; and we were very impressed with the content and the format of the presentation. You and Kevin are very passionate people who are actually DOING what you are teaching, and that is what is most important to Ryan and I.

C. Shoemaker

Realtor

Steve and I thoroughly enjoyed attending your Real Estate Investor Seminar, we found it very informative, very motivational and exciting! As a matter of fact, we went out and tried it ourselves. We would highly recommend your seminar to anyone interested or curious about real estate investing. It’s great to attend a seminar such as yours taught by someone who has actually done it themselves, and someone who knows how it works first hand.

M. Clark

Investor

Travis was absolutely wonderful! He is really perfect for this business, because he is very personable, right on top of things, very knowledgeable and was just down right helpful (in every way) and a peach to work with!

B. Gill

Realtor

I really appreciate you guys stepping to the plate in the final hour and knocking it out of the park.

S. Wyman

Investor

I enjoy your monthly newsletters. Living in Gunnison, I have few opportunities to attend the monthly networking meetings. However, I do appreciate all the work you are doing, and thank you for providing a good return on investment for my hard-earned retirement funds. I feel good knowing this is an investment that I understand with a team that I trust.

Jim Korpal

Realtor

I am a real estate broker for the last 26 years. I have recently become a hard money lender with Pine Financial Group. My rates of return have been very high. I have been extremely satisfied with Kevin’s professionalism and accuracy. I would wholeheartedly recommend them.

Jon Holdman

Engineer

In 2007 I linked up with Kevin. It has been great working with him. He has been able to bring me many profitable deals. He always lets me know about a possible deal several weeks in advance and keeps me informed as we approach closing. My checks arrive every month and he keeps me informed with my loan through the process. I love how open he is to discussing the deals and I love the communication. I recommend Kevin and Pine financial Group to anyone interested in becoming a hard money lender.

C. E.

Realtor

I have done multiple deals through Kevin. He is the best in the business and really knows his stuff. I have been making a consistent return on my money and the payments always seem to come on time. I have never been able to make as much money as I have since I met Kevin. I tell all my friends and family to give him a try if they want to be successful with their investments. Thanks for everything Kevin!!

N. Adams

Realtor/Investor

Kevin is very sharp when it comes to real estate and loans. I have been fortunate enough to have worked with Kevin and Pine Financial Group on multiple occasions. They are great at what they do and easy to work with.

Glen Ramsey

Aspire Properties, LLC

Pine Financial Group is an excellent fit for my business needs. They understand our regional economy and my business. Pine provides personalized service, attention to detail and more importantly, no surprises at the closing table! I can have greater confidence in my business growth plans with Pine Financial as part of my professional team. If you are looking for a long-term partner to take care of your lending needs, look no further.

Peter Musser

Realtor/Investor

I recently closed a loan with Pine Financial Group. I was pleased in every way with how Kevin handled the deal. What I look for these days in a mortgage company is honesty, transparency, creativity and hustle. Kevin demonstrated all of these qualities as he worked hard to find me a loan. With lending guidelines constantly changing, Kevin’s job is more difficult than ever. During the process, one lender changed their criteria mid-way through the process. Kevin contacted me the same day he was notified of this to let me know and also to inform me that he had already found an alternative solution and my file had been resubmitted. The very same day! In my business time is of the essence and most mortgage brokers I have worked with would have taken days, maybe weeks to finds a different solution. A short time later we were at a closing table allowing me to get one step closer to reaching my real estate goals.

Rob Hale

Investor

Kevin and his team have been exceptional in regard to my mortgage needs and in helping to educate me in the entire process. I have been highly impressed with Pine Financial in general and would highly recommend them to anyone.

Don Nelson

Keller Williams Realty

These folks are the real deal and have a straight forward program. Used them on my last purchase, and will use them again.

Brad Woodward

Investor/Wholesaler

Justin is not only familiar with real estate investing, but very personable with an incredible knack for connecting people. The Northern Colorado Real Estate Investor’s Happy Hour was fantastic! I’ve already recommended him to my colleagues, and am looking forward to future events.

Fernon Meeks

Owner of Axis Title

Kevin is an excellent source for all that is real estate investing. From private party lending and fix and flips to rentals and maximum cash flow, he knows this market. You will get much more than just a loan with Kevin at Pine Financial. You will get an education and an opportunity to surround yourself with the elite in this local industry. I would highly recommend Kevin and Pine Financial to seasoned investors as well as new comers looking for an honest, straight shooting source for real estate financing.

J.B.

State of Arkansas

I am delighted to be associated with Pine Financial. The principal broker, Kevin, and his associate, Kim, are responsive whenever I have had a question throughout the years I have had an investment with them. I have never missed a dividend or a nice acknowledgement during the annual holiday season. I only wish I had doubled the investment from the beginning.

Carina Erickson

Investor

We met Kevin approximately 15 years ago, just before he started Pine Financial Group. We liked him because he was smart, honest, attentive and knowledgeable about the industry. He has always been up front with our transactions and we have always been pleased with the results.

Locations

Colorado

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Minnesota

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Wisconsin

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Washington D.C.

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Pine Financial Group's Lending Process

Every loan that we make goes through our lending process. Whether you are a borrower or are interested in investing with us, get to know the steps we take to ensure we are investing in successful projects.