© WHERE WE LEND BIRMINGHAM · AL
HARD MONEY LENDER BIRMINGHAM
Direct private capital for Birmingham investors, underwritten on the property and funded from San Diego.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Birmingham runs on medicine and logistics now, not iron, and the investor map follows. Avondale and Woodlawn pulled the first wave of renovation capital east of downtown, Crestwood and Forest Park hold steady, and the over-the-mountain side through Homewood and Vestavia Hills stays owner occupied and tight. Jefferson County gives you real range inside one metro.
Birmingham sits in Jefferson County, Alabama, and Loan Goat lends on investment property across the whole of it. The same programs run in Tuscaloosa, Huntsville and Montgomery, so an investor working a corridor rather than a single ZIP code keeps one lender, one quote format and one set of terms across every file.
Being headquartered in San Diego is an advantage on a Birmingham deal, not a limitation. The capital is in house, the underwriting is done by the people who fund the loan, and the answer comes back in hours. A 5.0 Google rating across 150+ reviews is the record on delivering that.
© THE COST BIRMINGHAM · AL
WHAT DO BIRMINGHAM HARD MONEY LOANS COST
Cost on a Birmingham file is a function of the deal, not the market. Bridge opens at 9.00%. Residential runs to 75% LTV and commercial to 70%, on one or two year terms, and a clean file closes in 3 to 14 days.
The written quote comes before the appraisal, and it holds. For a Birmingham deal on a clock, that is the difference between a real number and an indication. Prepay is free on the bridge programs, which matters when the plan is to be out inside a year.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
Those numbers are the ceiling and the floor. A Birmingham deal gets priced inside them once the property and the exit are on the table, usually the same day the file is opened.
© WHY LOAN GOAT BIRMINGHAM · AL
WHY LOAN GOAT IN BIRMINGHAM
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Banks underwrite the borrower. Loan Goat underwrites the property. On a Birmingham deal that means a self-employed investor, a recently formed LLC or a file with a complication on it is not automatically dead. The asset, the leverage and the exit carry the decision, and the answer comes back in hours instead of a month.
Expect 1920s craftsman bungalows and brick cottages close in, mid-century ranch stock across the southern suburbs, and pre-war fourplexes scattered through Southside. Lots run generous, alleys are common, and foundation and roof work drive most budgets. None of that is unusual here; it is the normal book.
Cosmetic-to-full flips work in the eastern neighborhoods, buy and hold cash flow holds up around Center Point and Ensley, and small multifamily near the UAB medical campus stays leased. Bridge in, then refinance to DSCR once it is stabilized. Bridge covers the acquisition, fix and flip covers the work and the rental program takes it out.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
BIRMINGHAM DEALS, FUNDED FROM SAN DIEGO.
Jefferson County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS BIRMINGHAM · AL
MOST COMMON BIRMINGHAM LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Birmingham replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Birmingham auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Birmingham real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Jefferson County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Jefferson County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Birmingham investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Jefferson County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Birmingham whose write-offs make a bank file impossible.
- VACATION RENTAL Birmingham vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Birmingham who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN BIRMINGHAM
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES BIRMINGHAM · AL
PROPERTY TYPES WE FINANCE IN BIRMINGHAM
- MULTI-FAMILY Two to four unit buildings and small apartment stock in Jefferson County, purchase or cash-out.
- MIXED-USE Retail-over-residential buildings in Birmingham commercial corridors, up to 70% LTV.
- RETAIL Strip centers and free-standing retail in Jefferson County with a repositioning plan.
- OFFICE Birmingham office assets being repositioned or bridged to a conventional exit.
- MANUFACTURED HOMES Jefferson County manufactured home communities on bridge and commercial terms.
- ASSISTED LIVING Birmingham care facilities bridged through licensing and stabilization.
© THE APPROACH BIRMINGHAM · AL
HOW WE LEND IN BIRMINGHAM
Most lenders compete on one line of that table. This one is built to hold every line at once, which is why a Birmingham borrower gets leverage and speed in the same quote rather than trading one for the other. If the numbers do not work, you are told early and directly.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
BIRMINGHAM BORROWERS, IN THEIR WORDS
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Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ
© QUESTIONS BIRMINGHAM · AL
BIRMINGHAM HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Birmingham and across Jefferson County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Birmingham files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Birmingham deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Jefferson County. Owner-occupied has its own program. If the Birmingham asset produces or will produce value, there is usually a structure for it.
Property types -
Yes. Loan Goat underwrites the property, not your paperwork, so a Birmingham flip in Jefferson County gets sized on the asset, the scope of work and the exit. Minimal documentation, one decision maker, no loan committee. Bridge starts at 9.00% with up to 75% LTV, and most files close in five to seven days.
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Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works
© WHERE WE LEND BIRMINGHAM · AL
BIRMINGHAM, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE BIRMINGHAM · AL
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