From here, you can access our hard money Loan Application Forms and Rehab or Construction Budget forms.

Vanguard Hard Money is a direct hard money lender. In addition to our hard money loan programs, we offer financing options for long-term investment properties and primary and secondary homes.

• Conventional 10-30 years
• Construction to permanent or one-time close construction Minimum FICO score 620
• Home style renovation Minimum FICO score 620
• FHA Minimum FICO Score 580
• VA Minimum FICO Score 600
• Down payment assistance second Minimum FICO score 640
• Stand alone seconds Minimum FICO score 660
• Non-qualified mortgages
• Debt service coverage ratio
• Owner or non-owner occupied, purchase or refinance loans.
• We offer simple financing solutions for borrowers that need a good source of capital.
• What loan is best for me?
  Learn what the difference is between a hard money loan vs. a traditional loan.

We can structure a wide range of loan transactions and look forward to helping you achieve your financial goals!

• Closing Time: 2 days to 3 weeks
• Down Payment: Typically 15% or more
• Qualifications: Simple income documentation
• Loan Costs: More money than traditional loans

• Closing Time: 2 weeks to 6 weeks
• Down Payment: As low 0% depending on eligibility
• Qualifications: Light income documentation to full doc.
• Loan Costs: No cost to low cost