© WHERE WE LEND SAN DIEGO HQ · WASHINGTON
HARD MONEY LENDER WASHINGTON
Direct hard money for Washington investors buying in Seattle, Tacoma and Spokane, with closings measured in 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
Loan Goat lends across Washington, from Seattle, Bellevue, Kent and Everett around Puget Sound to Tacoma, Vancouver on the Columbia, and Spokane on the dry side of the Cascades. The borrower we serve is an investor holding a contract: a flip, a rental, a small commercial asset, a build. Business-purpose and non-owner-occupied, underwritten on the property, funded with capital we already hold.
Washington splits into distinct investor economies. West of the mountains, King, Pierce and Snohomish counties trade on aerospace, software and port employment, with craftsman bungalows, backyard cottage additions and teardown-and-rebuild on the Eastside. East of the mountains, Spokane offers brick and bungalow stock at a basis that supports cash-flow holds. Clark County keeps catching growth that arrives from across the Columbia River.
We lend in Washington and we are headquartered in San Diego. There is no Seattle branch and you will not need one. Our capital is in-house, one person decides, and nothing routes to a credit committee in another time zone. Send the property, the numbers you have and the exit. Most Washington files close in 5 to 7 days, and a clean bridge file can move in as little as 3 days.
Seattle investors buy craftsman bungalows and old box houses in Ballard, Wallingford and the Rainier Valley, then add detached accessory units where the lot allows. Bellevue and the Eastside run on teardown and rebuild. Kent Valley is warehouse and light industrial territory. Tacoma trades Stadium District and Proctor character homes, Everett leans on the Boeing plant and the naval station, and Spokane's South Hill and Browne's Addition carry the older brick.
© WASHINGTON LOCATIONS SAN DIEGO HQ · WASHINGTON
EXPLORE OUR WASHINGTON LENDING LOCATIONS
Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.
- Seattle King County, out to Bellevue, Kent, Tacoma.
- Spokane Spokane County, out to Bellevue, Everett, Kent.
- Tacoma Pierce County, out to Kent, Seattle, Bellevue.
- Vancouver Clark County, out to Portland, Gresham, Hillsboro.
- Bellevue King County, out to Seattle, Kent, Everett.
- Kent King County, out to Tacoma, Bellevue, Seattle.
- Everett Snohomish County, out to Bellevue, Seattle, Kent.
© THE COST SAN DIEGO HQ · WASHINGTON
WHAT DO WASHINGTON HARD MONEY LOANS COST
A Washington 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 Washington 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 · WASHINGTON
WHY LOAN GOAT IN WASHINGTON
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A Washington bank wants tax returns, seasoned reserves and a committee date before it will touch a Seattle flip. We do not. Bridge loans from 9.00% with up to 75% LTV fund the acquisition, and fix and flip carries the renovation alongside it. A clean bridge file gets you to the table in as little as 3 days when a Pierce County contract leaves no room.
Long holds have their own lane. Rental property loans qualify on DSCR, so a Tacoma or Spokane portfolio stands on its rents. Construction funds ground-up in Clark and Snohomish counties. Commercial covers Kent Valley flex and light industrial. Blanket loans put scattered Puget Sound doors under a single facility, and business purpose bridge reaches $25,000,000 for institutional assets. No prepayment penalties anywhere.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
WASHINGTON, FUNDED FROM SAN DIEGO.
$1.5B+ funded across 46 states and 1.3K+ loans closed since 2022. Washington 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 WASHINGTON
The full program stack is available on Washington 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 · WASHINGTON
HOW WE LEND IN WASHINGTON
Long holds have their own lane. Rental property loans qualify on DSCR, so a Tacoma or Spokane portfolio stands on its rents. Construction funds ground-up in Clark and Snohomish counties. Commercial covers Kent Valley flex and light industrial. Blanket loans put scattered Puget Sound doors under a single facility, and business purpose bridge reaches $25,000,000 for institutional assets. No prepayment penalties anywhere.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
WASHINGTON BORROWERS, IN THEIR WORDS
-
I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...
ERIC MANLUNAS -
As a business owner traditional lending doesn't fit my finances, which is why Loan Goat is a godsend. They are able to work with you, understand what you're trying to do and get it done.
NEVENKA MOROZIN -
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 -
I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...
ERIC MANLUNAS -
As a business owner traditional lending doesn't fit my finances, which is why Loan Goat is a godsend. They are able to work with you, understand what you're trying to do and get it done.
NEVENKA MOROZIN -
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
© QUESTIONS SAN DIEGO HQ · WASHINGTON
WASHINGTON 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 investor real estate across Washington, including Seattle, Spokane, Tacoma, Vancouver, Bellevue, Kent and Everett. We lend as a direct private lender from in-house capital, which means one decision maker and no loan committee standing between you and the wire. Deals are business-purpose and non-owner-occupied, documentation is minimal, and a typical closing lands in 5 to 7 days.
-
Added units are routine for us. Fix and flip and bridge loans both cover Seattle projects that build a detached accessory dwelling or convert a basement, funding the purchase and the construction budget together and underwriting the finished value. Bring the permit path and the scope of work. A King County project with an extra unit is a familiar file, not an exception.
-
Spokane County gets the same treatment as King or Pierce. Small brick multifamily, South Hill bungalows and Browne's Addition rehabs all qualify. Rental property loans run on DSCR, so eastern Washington rent rolls carry the debt, and bridge money handles vacant purchases ahead of stabilization. Distance from the coast changes neither the rate sheet nor the timeline you are quoted.
-
Industrial-adjacent investing sits well inside our programs. Rental housing around Everett and Snohomish County qualifies on DSCR, and commercial loans cover flex, warehouse and light industrial in the Kent Valley and near the Tacoma waterfront. Business purpose bridge is available up to 75% LTV when the asset is sizable. We underwrite the property and the exit, not the employer behind your tenants.
-
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 -
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 -
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
© WHERE WE LEND SAN DIEGO HQ · WASHINGTON
WASHINGTON, 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 · WASHINGTON
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
