© WHERE WE LEND CHEYENNE · WY
HARD MONEY LENDER CHEYENNE
Purchase, refinance and cash-out money across Cheyenne and the wider Laramie County market.
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
Cheyenne pairs a state capitol with a Union Pacific mainline in the southeast corner of Laramie County, closer to Denver than to any other Wyoming city. F.E. Warren Air Force Base holds the western edge, the Rainsford historic district holds the Victorians, and new data center campuses have gone in east of town. Frontier Days turns the whole city into a rental market each July.
Every program on this site is available on Cheyenne property and across Laramie County. Investors who also buy in Fort Collins, Boulder and Thornton run those deals through the same desk, which is the point: one lender who already knows the borrower, the entity and the exit strategy.
A Cheyenne investor gets a direct line to the lender. No intake team, no file handed down a chain, no bank underwriter three weeks out. Written terms come first, then title and escrow, then the wire, usually inside a week.
© THE COST CHEYENNE · WY
WHAT DO CHEYENNE HARD MONEY LOANS COST
There is no Cheyenne rate sheet separate from the national one. Bridge from 9.00%, up to 75% LTV on residential, one or two year terms, and loans from $150,000 to $25,000,000 on business purpose files. The property and the exit set the number, not the ZIP code.
A Cheyenne file gets a full written term sheet up front: rate, leverage, term, points and conditions. Nothing gets re-traded at the table. No prepayment penalty on bridge, minimal documentation, and funding in five to seven days.
| 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 Cheyenne 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 CHEYENNE · WY
WHY LOAN GOAT IN CHEYENNE
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Working with a direct lender on a Cheyenne deal removes the layers. There is no broker marking up the file, no correspondent shopping it and no investor behind the investor. One lender, its own capital, one set of terms.
Victorians and early-1900s houses fill the historic districts near the Capitol, railroad-era cottages sit close to the yards, post-war ranches cover the middle rings, and newer subdivisions push north and east. All of it is financeable, purchase, refinance or cash-out.
Military and government buy-and-hold rentals carry the year. Frontier Days short-term rental is a genuine seasonal spike, post-war ranch flips are affordable to enter, and build-to-rent works on the growth edges. Bridge for the buy, construction for the build, DSCR for the hold: the same three doors most of these plays run through.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
CHEYENNE DEALS, FUNDED FROM SAN DIEGO.
Laramie 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 CHEYENNE · WY
MOST COMMON CHEYENNE LOAN SCENARIOS
- 1031 EXCHANGE Exchange deadlines do not move, so Cheyenne replacement purchases get funded on the calendar, not on a bank's.
- AUCTION & HUBZU Auction and Hubzu purchases in Laramie County funded on the short settlement clocks those platforms run.
- BANKRUPTCY BUYOUT Payoff money to clear a bankruptcy or partner buyout on a Cheyenne property before the deadline.
- BANK STATEMENT LOANS Bank statement underwriting for Cheyenne investors whose returns do not show the income the deal actually produces.
- FORECLOSURE AUCTION Cheyenne foreclosure buys where the money has to be certain before the gavel.
- FOREIGN NATIONAL No US credit history and no domestic tax returns is a normal Cheyenne file here.
- NON-WARRANTABLE CONDOS Condos in Cheyenne that agency guidelines will not take, financed on their own merits.
- SELF-EMPLOYED Self-employed Cheyenne investors underwritten on the property instead of two years of returns.
- VACATION RENTAL Short-term rental acquisitions and refinances in and around Cheyenne, underwritten on the asset.
- CASH OFFERS ONLY Cash-equivalent certainty for a Cheyenne offer that has to beat financed competition.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN CHEYENNE
- 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 CHEYENNE · WY
PROPERTY TYPES WE FINANCE IN CHEYENNE
- MULTI-FAMILY Duplexes through apartment buildings across Cheyenne on bridge, DSCR and commercial programs.
- MIXED-USE Cheyenne mixed-use where a bank balks at the commercial half of the rent roll.
- RETAIL Cheyenne retail purchase, refinance and cash-out on the bridge program.
- OFFICE Medical and small office buildings in Cheyenne, including cash-out to fund a renovation.
- INDUSTRIAL & WAREHOUSE Industrial and last-mile logistics property in Laramie County on bridge terms.
- HOSPITALITY: HOTEL & MOTEL Cheyenne hospitality assets financed through the renovation and back out again.
© THE APPROACH CHEYENNE · WY
HOW WE LEND IN CHEYENNE
Read the table as a promise rather than a pitch. On a Cheyenne deal it means the leverage quoted is the leverage funded, the timeline quoted is the timeline delivered, and the person who priced the file is the person who releases the money.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
CHEYENNE BORROWERS, IN THEIR WORDS
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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 -
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
© QUESTIONS CHEYENNE · WY
CHEYENNE 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 Cheyenne and across Laramie 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 Cheyenne 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 Cheyenne 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 Laramie County. Owner-occupied has its own program. If the Cheyenne asset produces or will produce value, there is usually a structure for it.
Property types -
Yes. Loan Goat funds business purpose real estate loans in Cheyenne and across Laramie County, lending nationwide from the San Diego headquarters. Bridge, fix and flip, construction, DSCR rental, commercial, and blanket programs are all on the menu. The property carries the underwriting, documentation stays minimal, and a straightforward file is funded in five to seven days.
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Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers -
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 -
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
© WHERE WE LEND CHEYENNE · WY
CHEYENNE, 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 CHEYENNE · WY
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