© WHERE WE LEND JERSEY CITY · NJ
HARD MONEY LENDER JERSEY CITY
A direct lender for Jersey City 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
Jersey City trades on one minute of PATH time to Manhattan, and every submarket prices off that fact. Glass towers stack up at Exchange Place and Newport, brownstones and row houses fill Downtown and Hamilton Park, Journal Square keeps redeveloping around its station, and Bergen-Lafayette still hands Hudson County investors buildings with room to work.
Jersey City is one of the New Jersey markets Loan Goat lends in year round. Hudson County files and deals in Newark, New York and Elizabeth are underwritten identically, on value, exit and the plan for the property.
The whole point of a private lender is that the deal decides the answer. On Jersey City 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 JERSEY CITY · NJ
WHAT DO JERSEY CITY HARD MONEY LOANS COST
Cost on a Jersey City 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 Jersey City 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 Jersey City 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 JERSEY CITY · NJ
WHY LOAN GOAT IN JERSEY CITY
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Certainty is the product. A Jersey City borrower gets written terms, in-house capital and one person who can say yes. Nothing is sold to a warehouse line mid-process and nothing is re-priced at the closing table, which is why the review record reads 5.0 across 150+ reviews.
Brick and brownstone row houses, wood-frame two and three-families in the Heights and Greenville, converted industrial lofts, and newer condo inventory stacked in the waterfront towers. None of that is unusual here; it is the normal book.
Gut rehabs of row houses and brownstones remain the signature play, alongside condo conversions and transit-oriented rental holds. Small multifamily within walking distance of a PATH station leases itself. 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
JERSEY CITY DEALS, FUNDED FROM SAN DIEGO.
Hudson 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 JERSEY CITY · NJ
MOST COMMON JERSEY CITY LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Jersey City replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Jersey City auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Jersey City real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Hudson County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Hudson County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Jersey City investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Hudson County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Jersey City whose write-offs make a bank file impossible.
- VACATION RENTAL Jersey City vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Jersey City who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN JERSEY CITY
- 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 JERSEY CITY · NJ
PROPERTY TYPES WE FINANCE IN JERSEY CITY
- MIXED-USE Retail-over-residential buildings in Jersey City commercial corridors, up to 70% LTV.
- RETAIL Strip centers and free-standing retail in Hudson County with a repositioning plan.
- OFFICE Jersey City office assets being repositioned or bridged to a conventional exit.
- AGRICULTURAL Agricultural land and operations outside Jersey City underwritten on the asset.
- CANNABIS Cannabis-use property in Jersey City where conventional lenders will not participate.
- AUTOMOTIVE & GAS STATION Hudson County fuel and automotive sites, purchase and refinance.
© THE APPROACH JERSEY CITY · NJ
HOW WE LEND IN JERSEY CITY
Read the table as a promise rather than a pitch. On a Jersey City 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
JERSEY CITY BORROWERS, IN THEIR WORDS
-
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ -
Fantastic experience working with Milad and his staff at loan goat. Closed both of my loans in less than 10 days. Best hard money lender hands down in San Diego
ALEX TELEFORD -
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ -
Fantastic experience working with Milad and his staff at loan goat. Closed both of my loans in less than 10 days. Best hard money lender hands down in San Diego
ALEX TELEFORD
© QUESTIONS JERSEY CITY · NJ
JERSEY CITY HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
-
Yes. Loan Goat funds investment property in Jersey City and across Hudson 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 Jersey City 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 Jersey City 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 Hudson County. Owner-occupied has its own program. If the Jersey City asset produces or will produce value, there is usually a structure for it.
Property types -
Yes, full gut jobs included. Bridge and fix and flip loans from Loan Goat cover brownstones, row houses and small multifamily throughout Jersey City and Hudson County. Funding moves in five to seven days because the capital is in house and one person makes the decision, and interest-only structures keep the monthly carry light while your crew is still working.
-
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 JERSEY CITY · NJ
JERSEY CITY, 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 JERSEY CITY · NJ
SUBMIT A LOAN REQUEST
Please fill the form below and a lending advisor from our firm will reach out.
Or just give us a call now
(619) 617-2797
