© WHERE WE LEND NEW ORLEANS · LA
HARD MONEY LENDER NEW ORLEANS
Hard money for New Orleans and Orleans Parish: written terms first, wire in five to seven days.
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
New Orleans is one of the most distinctive investment markets in the country, a dense, historic city where a block's character changes faster than in almost any other metro. Capital moves into the Bywater and Marigny for renovated Creole stock, Mid-City and Treme for rehab basis, Uptown and the Garden District for prestige, and Algiers Point for river-adjacent value.
Every program on this site is available on New Orleans property and across Orleans Parish. Investors who also buy in Baton Rouge, Gulfport and Lafayette run those deals through the same desk, which is the point: one lender who already knows the borrower, the entity and the exit strategy.
A New Orleans investor gets a direct line to the lender. No intake team, no file handed down a chain, no bank underwriter three weeks out. Written terms come first, then title and escrow, then the wire, usually inside a week.
© THE COST NEW ORLEANS · LA
WHAT DO NEW ORLEANS HARD MONEY LOANS COST
There is no New Orleans rate sheet separate from the national one. Bridge from 9.00%, up to 75% LTV on residential, one or two year terms, and loans from $150,000 to $25,000,000 on business purpose files. The property and the exit set the number, not the ZIP code.
A New Orleans file gets a full written term sheet up front: rate, leverage, term, points and conditions. Nothing gets re-traded at the table. No prepayment penalty on bridge, minimal documentation, and funding in five to seven days.
| 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 New Orleans 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 NEW ORLEANS · LA
WHY LOAN GOAT IN NEW ORLEANS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Working with a direct lender on a New Orleans deal removes the layers. There is no broker marking up the file, no correspondent shopping it and no investor behind the investor. One lender, its own capital, one set of terms.
The inventory is shotgun singles and doubles, Creole cottages, camelbacks and center-hall houses, much of it raised, wood-framed and over a century old. Lakeview and Gentilly add mid-century ranches on flatter, more regular lots. All of it is financeable, purchase, refinance or cash-out.
Doubles convert into small multifamily without touching the footprint, which keeps buy-and-hold alive across Mid-City and Uptown. Historic rehab drives most flips, and short-term rental demand tracks the visitor calendar rather than the local job market. Bridge for the buy, construction for the build, DSCR for the hold: the same three doors most of these plays run through.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
NEW ORLEANS DEALS, FUNDED FROM SAN DIEGO.
Orleans Parish 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 NEW ORLEANS · LA
MOST COMMON NEW ORLEANS LOAN SCENARIOS
- 1031 EXCHANGE Exchange deadlines do not move, so New Orleans replacement purchases get funded on the calendar, not on a bank's.
- AUCTION & HUBZU Auction and Hubzu purchases in Orleans Parish funded on the short settlement clocks those platforms run.
- BANKRUPTCY BUYOUT Payoff money to clear a bankruptcy or partner buyout on a New Orleans property before the deadline.
- BANK STATEMENT LOANS Bank statement underwriting for New Orleans investors whose returns do not show the income the deal actually produces.
- FORECLOSURE AUCTION New Orleans foreclosure buys where the money has to be certain before the gavel.
- FOREIGN NATIONAL No US credit history and no domestic tax returns is a normal New Orleans file here.
- NON-WARRANTABLE CONDOS Condos in New Orleans that agency guidelines will not take, financed on their own merits.
- SELF-EMPLOYED Self-employed New Orleans investors underwritten on the property instead of two years of returns.
- VACATION RENTAL Short-term rental acquisitions and refinances in and around New Orleans, underwritten on the asset.
- CASH OFFERS ONLY Cash-equivalent certainty for a New Orleans offer that has to beat financed competition.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN NEW ORLEANS
- 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 NEW ORLEANS · LA
PROPERTY TYPES WE FINANCE IN NEW ORLEANS
- MULTI-FAMILY Duplexes through apartment buildings across New Orleans on bridge, DSCR and commercial programs.
- MIXED-USE New Orleans mixed-use where a bank balks at the commercial half of the rent roll.
- RETAIL New Orleans retail purchase, refinance and cash-out on the bridge program.
- AGRICULTURAL Working farmland in Orleans Parish financed where a bank will not.
- CANNABIS Orleans Parish cannabis real estate on private terms.
- AUTOMOTIVE & GAS STATION Service stations and automotive property in the New Orleans market.
© THE APPROACH NEW ORLEANS · LA
HOW WE LEND IN NEW ORLEANS
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 New Orleans 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
NEW ORLEANS BORROWERS, IN THEIR WORDS
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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 -
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
© QUESTIONS NEW ORLEANS · LA
NEW ORLEANS 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 New Orleans and across Orleans Parish 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 New Orleans 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 New Orleans 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 Orleans Parish. Owner-occupied has its own program. If the New Orleans asset produces or will produce value, there is usually a structure for it.
Property types -
Fix and flip and bridge loans cover historic renovation in New Orleans and throughout Orleans Parish, including shotguns, doubles and Creole cottages that need structural work. Loan Goat underwrites the property and the after-repair value, not your tax returns, which suits older housing with complicated histories. Bridge reaches 75% LTV from 9.00%, and there is no prepayment penalty when the house sells.
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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 -
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 -
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 NEW ORLEANS · LA
NEW ORLEANS, 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 NEW ORLEANS · LA
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(619) 617-2797
