Hard Money
Lenders Virginia

Virginia Hard Money Lenders

The housing market has been growing at an incredible rate over the past few years, leading to increasing numbers of real estate investors exploring areas for investment.


Virginia is becoming increasingly popular for real estate investing. However, obtaining financing for certain investments like fix-and-flip properties can be pretty tricky – especially with the rigid lending requirements of conventional banks.


At Pine Financial Group, we work with real estate investors specifically. Because investors have such a need for alternative forms of financing in Virginia, we have stepped in to offer hard money loans. By working with our Virginian hard money lenders, you’ll have an easier time financing your real estate investments throughout the state.


As a result, you can continue to strengthen your portfolio without having to worry about getting turned down for a bank loan due to overly strict regulations.

Our Hard Money Loans

Convention loans can be incredibly challenging to secure if you’re a real estate investor. Traditional lenders view investors as a considerable risk.

As such, qualifying can be difficult, and obtaining favorable terms can be near impossible. Our hard money loans at Pine Financial Group will help you overcome these obstacles. We offer different kinds of hard money loans to fit your investment needs. These include the following:

A rehab loan is a loan used to cover the cost of repairs or renovations, although investors often look to use them to purchase and repair properties in poor condition.

Getting rehab loans has always been tricky when it comes to traditional lenders. Most lenders won't lend money to borrowers who want to buy properties in disrepair because a property must be livable for a conventional lender to approve the loan.

As a result, it can be hard to finance a fix-and-flip investment. It's one of the reasons why we are now offering rehab loans to investors in Virginia.

You can use a Pine Financial Group rehab loan to finance the purchase and rehabilitation of a property. The loan will be based on the after-repair value (ARV) of the property. We will loan you up to 70% of the ARV, giving you the funds you need to both buy and fix the property.

See More About Our Rehab Loans in Virginia

When buying commercial real estate properties, time is of the essence. Quickly securing the necessary funding can be critical to beat out other investors. Unfortunately, securing financing from a traditional lender for a commercial property generally takes at least a month, sometimes longer.

Pine Financial Group offers commercial bridge loans to address this and help you close on a property quickly.

You can use our commercial bridge loan to finance the purchase of a commercial property. If you're waiting for a conventional loan to go through, you can also take out our commercial bridge loan to "bridge" the gap during this waiting period.

You can use our bridge loan to pay for the property and any renovations you need to make. Then, after your conventional loan gets approved, you can use that money to pay off your bridge loan.

See More About Our Commercial Bridge Loans in Virginia

One of the reasons conventional lenders have such strict qualification guidelines is because they sell their loans on the secondary market. As a result, they need to make sure that the loans they sell will meet the guidelines of Fannie Mae, Freddie Mac, or other government-sponsored entities. One way to obtain a loan with more favorable terms is by getting a portfolio loan.

A portfolio loan is a loan that remains on the lender's books instead of being sold on the secondary market. As a result, portfolio lenders can work with each borrower individually and tailor the loan to fit their needs. Here at Pine Financial Group, we can help you find a portfolio lender to obtain better loan terms for your investment.

See More About Our Portfolio Loans in Virginia

Traditional lenders typically require investors to make a massive down payment as part of their loan terms to help offset the perceived risk of buying investment properties.

However, we realize that not every investor has a large cash reserve to draw from. If you're starting out, it can be challenging to try and come up with a down payment of 20% or more, which is why we offer 90% acquisition loans.

Our 90% acquisition loans do exactly what they say they do: they cover 90% of the property’s purchase price, which means you only have to make a 10% down payment.

Additionally, you’ll be able to close within a few days using our 90% acquisition loan because we do not require an appraisal. On top of that, there is no reserve requirement or application fees.

See More About Our 90% Acquisition Loans in Virginia

It is Our Priority To Serve Virginia Borrowers

At Pine Financial Group, it is our priority to help real estate investors in Virginia to secure the funding they need. We understand the challenges investors face when trying to get financing. That’s why we offer a variety of hard money loans to meet your needs.

Our goal is to make it easy to get the financing you need, so you can buy and renovate properties in Virginia and achieve your investment goals.

Getting Your Projects Funded By Pine Financial Group

If you want to get a hard money loan, the first step is to fill out our pre-approval application online. If you get pre-approved, you will then need to provide detailed information about your investment project. For example, you’ll need to provide your financial information, including a recent bank statement and tax return.

After you have your identified property under the contract, you will need to submit your scope of work (including the budget). We will then require a full property appraisal from an approved appraiser. We will also require that you get property insurance and a lender title insurance policy. Then, using all of the information we’ve collected, we will review the project before approving your loan.

Why Work With Pine Financial Group?

There are many reasons to choose Pine Financial Group for your hard money loan needs. Since 2008, we have been working closely with real estate investors, which means we have substantial experience navigating the real estate world and helping investors secure the financing they need. Additionally, we offer:


One of the benefits of working with Pine Financial Group is that we offer flexibility when it comes to our loans (for example, we can work with borrowers concerning terms like the length of the loan). In addition, we offer various financing solutions to ensure you can get the funding you need.

Easy And Quick Approvals

Getting your real estate project approved for a hard money loan is much easier than getting a conventional loan. It’s also much quicker. We know that time is of the essence when it comes to real estate investing, which is why we prioritize getting you the financing you need as quickly as possible. Sometimes, we can even service your loan in a matter of days.

Advisors With Real Estate Expertise

As mentioned, we work exclusively with real estate investors. Our advisors are well versed on the ins and outs of the real estate world and can offer you valuable insights and advice.

Favorable Terms And Conditions

Compared to conventional lenders and other private lenders, you’ll find that our terms are more favorable. We want to help make your real estate investment dreams a reality, and we want to ensure that your loan terms don’t cut into your potential profits.

Pine Financial Group Can Help You Acquire Funds And Grow Your Portfolio

If you’re a real estate investor in Virginia, then Pine Financial Group is the hard money lender for you. We offer different loan products to meet your needs, and we can provide flexible terms, easy and quick approvals, and more. Contact us today to learn more about how we can help you acquire the funding you need to grow your real estate portfolio.

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