© WHERE WE LEND SAN DIEGO HQ · NEW JERSEY
HARD MONEY LENDER NEW JERSEY
Loan Goat funds real estate investors in Newark, Jersey City and Paterson with direct capital and fast closings.
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
Loan Goat lends across New Jersey, from the Hudson County waterfront in Jersey City to the rowhouse blocks of Newark, Paterson, Elizabeth and Clifton. You are an investor here, not a homeowner: a flipper buying a small multifamily, a landlord holding rental doors, a builder filling an infill lot. We fund business-purpose deals on non-owner-occupied property, and we fund them with our own capital.
The state's investor market splits along the transit lines. North Jersey trades on proximity to Manhattan, with brick walk-ups, older multifamily and condo conversion near the PATH stations. The central corridor through Middlesex County and the Raritan Valley pull suburban rehab and build-to-rent. Down the Parkway, the shore towns run on short-term rentals. Different strategies, same requirement: money that shows up on schedule.
We are based in San Diego and we lend in New Jersey. That surprises some borrowers until they see how it works. Your file goes straight to the person who approves it. No branch manager, no loan committee, no regional queue sitting between you and a wire. Bridge, fix and flip, construction, DSCR rental and commercial, with closings in 5 to 7 days.
New Jersey investors buy the stock the state actually has. Newark and Elizabeth run on frame multifamily and prewar brick near the port. Jersey City sells the brownstone rehab and the condo unit above it. Paterson and Clifton trade in older apartment buildings around the Great Falls and along the Passaic River. Industrial conversion follows the Port Newark and Elizabeth container terminals inland toward the Turnpike.
© NEW JERSEY LOCATIONS SAN DIEGO HQ · NEW JERSEY
EXPLORE OUR NEW JERSEY LENDING LOCATIONS
Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.
- Newark Essex County, out to Jersey City, Elizabeth, Clifton.
- Jersey City Hudson County, out to Newark, New York, Elizabeth.
- Paterson Passaic County, out to Clifton, Newark, Jersey City.
- Elizabeth Union County, out to Newark, Jersey City, Clifton.
- Clifton Passaic County, out to Paterson, Newark, Jersey City.
© THE COST SAN DIEGO HQ · NEW JERSEY
WHAT DO NEW JERSEY HARD MONEY LOANS COST
Pricing a New Jersey deal works the same way it works anywhere else on this book. Bridge money runs from 9.00% to 13.00% and moves with leverage, property type and exit. Leverage runs to 75% on residential bridge and 70% on commercial, and business purpose loans reach $25,000,000.
Every New Jersey file gets a full term sheet up front: rate, leverage, term, points and conditions, in writing, before third-party costs are incurred.
| 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.
© WHY LOAN GOAT SAN DIEGO HQ · NEW JERSEY
WHY LOAN GOAT IN NEW JERSEY
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A bank underwrites you. We underwrite the property. That difference decides whether a New Jersey deal closes or dies, because a motivated seller in Essex County will not hold the price while a committee reads your tax returns. Bridge starts at 9.00% with up to 75% LTV. A bridge loan can fund in as fast as 3 days when the file is clean and title cooperates.
Our programs are built for how you actually operate here. Fix and flip for the Paterson rehab, construction for the infill lot, DSCR rental for the Clifton hold, blanket loans when your Union County portfolio outgrows a single file, second and third mortgages when you want to pull equity without touching a good first. No prepayment penalties, minimal documentation, and a direct lender answering the phone.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
NEW JERSEY, FUNDED FROM SAN DIEGO.
$1.5B+ funded across 46 states and 1.3K+ loans closed since 2022. New Jersey files run on the same written terms, the same in-house capital and the same five to seven day timeline as the home markets.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN NEW JERSEY
Nine programs run in New Jersey. Bridge loans for acquisition and recapitalization, fix and flip for the work, construction for ground-up, rental property loans for the hold, commercial for anything with a rent roll, owner occupied under its own rules, bank financing where a conventional exit fits, second and third mortgages behind existing debt, and blanket loans across a portfolio.
- 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
© THE APPROACH SAN DIEGO HQ · NEW JERSEY
HOW WE LEND IN NEW JERSEY
Our programs are built for how you actually operate here. Fix and flip for the Paterson rehab, construction for the infill lot, DSCR rental for the Clifton hold, blanket loans when your Union County portfolio outgrows a single file, second and third mortgages when you want to pull equity without touching a good first. No prepayment penalties, minimal documentation, and a direct lender answering the phone.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
NEW JERSEY BORROWERS, IN THEIR WORDS
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Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
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 -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
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
© QUESTIONS SAN DIEGO HQ · NEW JERSEY
NEW JERSEY 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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Loan Goat funds business-purpose real estate loans across New Jersey, including Newark, Jersey City, Paterson, Elizabeth and Clifton. We are a direct private lender using in-house capital, so the answer on your deal comes from one decision maker instead of a committee. Bridge, fix and flip, construction, DSCR rental, commercial and blanket loans are all open here. Call (619) 617-2797 and we will price it.
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Most Loan Goat files close in 5 to 7 days, and a clean bridge file can go as fast as 3 days. We underwrite the property, not your pay stubs, so a Hudson County brownstone or a walk-up near the waterfront is priced on the asset and the exit. Send the address, the contract price and your scope, and terms come back quickly.
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Small multifamily in Essex and Union counties is standard business for us: bridge for the reposition, DSCR rental once the units are stabilized and leased. Non-owner-occupied, business-purpose lending is the core of what Loan Goat does. Blanket loans let you roll several Newark or Elizabeth doors into one facility instead of chasing a separate closing on every building you own.
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Up to 75% LTV on residential bridge and 70% on commercial. Passaic County pricing follows the property and the plan, not a zip code grid someone drew years ago. Bridge starts at 9.00% with no prepayment penalties, so paying us off early after a quick flip costs you nothing extra.
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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 -
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 -
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 SAN DIEGO HQ · NEW JERSEY
NEW JERSEY, FUNDED FROM SAN DIEGO.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE SAN DIEGO HQ · NEW JERSEY
SUBMIT A LOAN REQUEST
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Or just give us a call now
(619) 617-2797
