© WHERE WE LEND HUNTSVILLE · AL
HARD MONEY LENDER HUNTSVILLE
A direct lender for Huntsville deals that banks will not touch, priced on the asset, not the paperwork.
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
Huntsville is Alabama's growth engine, built on Redstone Arsenal, the aerospace and defense contractors in Cummings Research Park, and the engineering payroll that follows them. Twickenham and Five Points hold the old money housing, MidCity and the west side absorb the new construction, and Madison next door pulls the same tenant pool. Madison County keeps expanding outward.
Loan Goat funds Huntsville deals the way it funds Alabama deals generally, on the asset. Madison County is the working radius, and the same terms extend to Birmingham, Tuscaloosa and Chattanooga when the next opportunity lands one town over.
The whole point of a private lender is that the deal decides the answer. On Huntsville property that means value, exit and plan, reviewed by the same desk that releases the funds. Veteran-owned, in business since 2022, 1.3K+ loans closed.
© THE COST HUNTSVILLE · AL
WHAT DO HUNTSVILLE HARD MONEY LOANS COST
Cost on a Huntsville 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 Huntsville 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.
The ranges above are what is actually available. Send the Huntsville address and what you intend to do with it and the quote comes back with the exact rate, leverage and term for that deal.
© WHY LOAN GOAT HUNTSVILLE · AL
WHY LOAN GOAT IN HUNTSVILLE
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A private lender earns its rate by being fast and being sure. On Huntsville property that shows up as a written quote the same day, an appraisal ordered only once the terms are agreed, and a wire inside a week. The rate buys the speed and the certainty.
Two markets in one city: antebellum and early twentieth century houses in the historic core, and a large, young supply of suburban new build and townhomes out toward Madison and the Research Park corridor. None of that is unusual here; it is the normal book.
Ground up construction and build to rent make sense on the growth edge, while flips concentrate inside the older ring. DSCR rentals serve the contractor and engineer tenant base that rotates through on multi-year programs. 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
HUNTSVILLE DEALS, FUNDED FROM SAN DIEGO.
Madison 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 HUNTSVILLE · AL
MOST COMMON HUNTSVILLE LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Huntsville replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Huntsville auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Huntsville real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Madison County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Madison County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Huntsville investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Madison County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Huntsville whose write-offs make a bank file impossible.
- VACATION RENTAL Huntsville vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Huntsville who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN HUNTSVILLE
- 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 HUNTSVILLE · AL
PROPERTY TYPES WE FINANCE IN HUNTSVILLE
- MULTI-FAMILY Two to four unit buildings and small apartment stock in Madison County, purchase or cash-out.
- MIXED-USE Retail-over-residential buildings in Huntsville commercial corridors, up to 70% LTV.
- RETAIL Strip centers and free-standing retail in Madison County with a repositioning plan.
- OFFICE Huntsville office assets being repositioned or bridged to a conventional exit.
- MANUFACTURED HOMES Madison County manufactured home communities on bridge and commercial terms.
- ASSISTED LIVING Huntsville care facilities bridged through licensing and stabilization.
© THE APPROACH HUNTSVILLE · AL
HOW WE LEND IN HUNTSVILLE
Read the table as a promise rather than a pitch. On a Huntsville 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
HUNTSVILLE BORROWERS, IN THEIR WORDS
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This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER -
This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER
© QUESTIONS HUNTSVILLE · AL
HUNTSVILLE 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 Huntsville and across Madison 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 Huntsville 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 Huntsville 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 Madison County. Owner-occupied has its own program. If the Huntsville asset produces or will produce value, there is usually a structure for it.
Property types -
Yes. Construction lending is one of our nine programs and Huntsville, in Madison County, is exactly the kind of expanding market it suits. We fund the project on its merits: land basis, budget, builder plan and completed value. Direct lender with in-house capital means one decision maker and no committee slowing the draw schedule down.
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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 HUNTSVILLE · AL
HUNTSVILLE, 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 HUNTSVILLE · AL
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(619) 617-2797
