© WHERE WE LEND SAN DIEGO HQ · NEW MEXICO
HARD MONEY LENDER NEW MEXICO
Loan Goat funds investor deals in Albuquerque, Santa Fe and Las Cruces with in-house capital and a fast close.
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 Mexico, from Bernalillo County and the Albuquerque metro up the Rio Grande to Santa Fe, out to Las Cruces in the Mesilla Valley, and east to Roswell. Rio Rancho sits in the middle of the state's steadiest rental demand. Our borrower here is the investor: the flipper, the landlord, the builder, the operator buying non-owner-occupied property purely for a return.
New Mexico rewards investors who understand its stock. Albuquerque runs on postwar tract housing plus adobe and pueblo revival around Nob Hill and the North Valley. Santa Fe trades on historic adobe and the visitor demand that follows the Plaza and Canyon Road. Las Cruces leans workforce and student rental. Rio Rancho is where new suburban product and build-to-rent keep going up.
Our office is in San Diego. We lend in New Mexico anyway, and the distance costs you nothing, because there is no branch to route your file through. You talk to the person who says yes. Capital is in-house, documentation is minimal, and closings run 5 to 7 days. A borrower in Roswell gets the same speed as a borrower in our own county.
Investors in New Mexico buy older tract housing near Kirtland Air Force Base and the university district around UNM, adobe and territorial-style homes on the east side of Santa Fe, and small multifamily along Central Avenue. Las Cruces draws buyers tied to New Mexico State University and the logistics traffic on the border corridor. Roswell and the southeast trade on agricultural and energy-corridor rentals and inexpensive frame stock.
© NEW MEXICO LOCATIONS SAN DIEGO HQ · NEW MEXICO
EXPLORE OUR NEW MEXICO LENDING LOCATIONS
Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.
- Albuquerque Bernalillo County, out to Rio Rancho, Santa Fe, Roswell.
- Las Cruces Doña Ana County, out to El Paso, Roswell, Albuquerque.
- Rio Rancho Sandoval County, out to Albuquerque, Santa Fe, Roswell.
- Santa Fe Santa Fe County, out to Rio Rancho, Albuquerque, Roswell.
- Roswell Chaves County, out to Las Cruces, Albuquerque, Rio Rancho.
© THE COST SAN DIEGO HQ · NEW MEXICO
WHAT DO NEW MEXICO HARD MONEY LOANS COST
A New Mexico quote is built from the deal, not from the state. Bridge from 9.00% and up to 75% LTV on residential, 70% on commercial, one or two year terms and closings in 3 to 14 days. Every one of those is published, not negotiated in the dark.
Terms are written before an appraisal is ordered, which lets a New Mexico investor underwrite the lender before spending money on third-party reports. Nothing is re-traded at the table.
| 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 MEXICO
WHY LOAN GOAT IN NEW MEXICO
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Banks in a thin market price the borrower first and then look for a reason to decline. We price the property. That is the whole difference on a New Mexico deal where comparable sales are scattered and the seller wants certainty above everything. Bridge from 9.00%, up to 75% LTV, no prepayment penalties, and one decision maker who can look at an adobe rehab and understand it.
Nine programs cover how you actually work in this state. Fix and flip for the Albuquerque rehab, construction for the Rio Rancho lot, DSCR rental for the Las Cruces hold, commercial for a Central Avenue building, blanket loans for a portfolio spread across Bernalillo and Sandoval counties. Loan sizes run from $150,000 up to $25,000,000 on business purpose bridge.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
NEW MEXICO, FUNDED FROM SAN DIEGO.
$1.5B+ funded across 46 states and 1.3K+ loans closed since 2022. New Mexico 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 MEXICO
The full program stack is available on New Mexico property: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages, and blanket loans over multiple assets. The plan for the property decides which one applies.
- 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 MEXICO
HOW WE LEND IN NEW MEXICO
Nine programs cover how you actually work in this state. Fix and flip for the Albuquerque rehab, construction for the Rio Rancho lot, DSCR rental for the Las Cruces hold, commercial for a Central Avenue building, blanket loans for a portfolio spread across Bernalillo and Sandoval counties. Loan sizes run from $150,000 up to $25,000,000 on business purpose bridge.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
NEW MEXICO 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 SAN DIEGO HQ · NEW MEXICO
NEW MEXICO 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 loans throughout New Mexico, including Albuquerque, Santa Fe, Las Cruces, Rio Rancho and Roswell. We are a direct private lender with in-house capital and no loan committee, which is why terms come back fast and then hold. Bridge, fix and flip, construction, DSCR rental, commercial and second and third mortgages are all available. Call (619) 617-2797 to get a number on your deal.
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We underwrite the property and the exit, so an adobe in Santa Fe County or a territorial-style rehab off Canyon Road is judged on value and plan, not on how unusual the construction looks to an underwriter working from a checklist. Bridge and fix and flip both suit these buildings. Send photos, your scope of work and the purchase price, and we will price it.
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Short-term rental property is business-purpose and non-owner-occupied, which is exactly what Loan Goat funds. Santa Fe and the Albuquerque North Valley both draw steady visitor traffic, and DSCR rental or bridge covers most of those files. We underwrite the asset, so a seasonal income pattern does not sink the deal the way it often does inside a bank credit box.
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Most files close in 5 to 7 days, and a clean bridge file can fund in as fast as 3 days. Bernalillo and Sandoval county flips move quickly, so speed is usually the entire deal. Minimal documentation means nobody is waiting on a stack of tax returns. Get us the address, the purchase price and the rehab budget, and we will move.
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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 SAN DIEGO HQ · NEW MEXICO
NEW MEXICO, 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 MEXICO
SUBMIT A LOAN REQUEST
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Or just give us a call now
(619) 617-2797
