© WHERE WE LEND HATTIESBURG · MS
HARD MONEY LENDER HATTIESBURG
Direct private capital for Hattiesburg 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
Hattiesburg earned the Hub City name honestly, sitting where south Mississippi's highways and rail lines converge in Forrest County. The University of Southern Mississippi and William Carey shape the rental market, the Historic Neighborhood District holds the character stock, and the Oak Grove side keeps building. Camp Shelby traffic and a regional medical base widen the tenant pool.
Hattiesburg sits in Forrest County, Mississippi, and Loan Goat lends on investment property across the whole of it. The same programs run in Gulfport, Biloxi and Jackson, 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 Hattiesburg 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 HATTIESBURG · MS
WHAT DO HATTIESBURG HARD MONEY LOANS COST
Cost on a Hattiesburg 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 Hattiesburg 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 are the published ranges, not a teaser. Where a Hattiesburg deal lands inside them depends on the property, the leverage and the exit. The fastest way to a real number is the address, the price and the plan.
© WHY LOAN GOAT HATTIESBURG · MS
WHY LOAN GOAT IN HATTIESBURG
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Banks underwrite the borrower. Loan Goat underwrites the property. On a Hattiesburg 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.
Early twentieth-century frame houses and bungalows near the university, brick ranches through the mid-city neighborhoods, newer subdivision construction toward Oak Grove, and purpose-built student apartment product close to campus. None of that is unusual here; it is the normal book.
Student rentals near the University of Southern Mississippi are the obvious play, held by the room or by the house. Renovation flips in the historic district reach local buyers, and small multifamily near campus gives investors a simpler management footprint. 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
HATTIESBURG DEALS, FUNDED FROM SAN DIEGO.
Forrest 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 HATTIESBURG · MS
MOST COMMON HATTIESBURG LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Hattiesburg replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Hattiesburg auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Hattiesburg real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Forrest County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Forrest County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Hattiesburg investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Forrest County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Hattiesburg whose write-offs make a bank file impossible.
- VACATION RENTAL Hattiesburg vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Hattiesburg who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN HATTIESBURG
- 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 HATTIESBURG · MS
PROPERTY TYPES WE FINANCE IN HATTIESBURG
- INDUSTRIAL & WAREHOUSE Warehouse and flex space in and around Hattiesburg, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning in Hattiesburg bridged to an SBA or conventional exit.
- SELF-STORAGE Hattiesburg storage facilities, stabilized or in lease-up.
- LAND Entitled and unentitled parcels around Hattiesburg on the land program.
- MANUFACTURED HOMES Forrest County manufactured home communities on bridge and commercial terms.
- ASSISTED LIVING Hattiesburg care facilities bridged through licensing and stabilization.
© THE APPROACH HATTIESBURG · MS
HOW WE LEND IN HATTIESBURG
The comparison is the operating rulebook: high leverage, speed to close, capital that is actually there, low documentation, in-house processing and a rate the deal earns. When a bank says no on a Hattiesburg file, this desk looks at the property. When the deal does not pencil, you hear it before the appraisal is ordered.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
HATTIESBURG 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 HATTIESBURG · MS
HATTIESBURG 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 Hattiesburg and across Forrest 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 Hattiesburg 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 Hattiesburg 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 Forrest County. Owner-occupied has its own program. If the Hattiesburg asset produces or will produce value, there is usually a structure for it.
Property types -
Treat it as a business-purpose investment loan, because that is what it is. Loan Goat funds Hattiesburg and Forrest County student rentals from San Diego, underwriting the house and its rent potential rather than your personal returns. Bridge the purchase and the turn, close in five to seven days, then refinance into a rental DSCR loan with no prepayment penalty.
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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 -
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 -
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
© WHERE WE LEND HATTIESBURG · MS
HATTIESBURG, 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 HATTIESBURG · MS
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