Commercial & Development Loans
Hard Money Real Estate Loans – F&N Access Mortgage
- Easy and quick loan approvals
- Fast bank crediting
- Low criteria for approval
- No prepayment fees
- No credit score requirements
- Less documentation
- Custom short term loans
When to Get a Commercial Real Estate Hard Money Loan
Low FICO Scores
Commercial hard money lenders do not mind low credit scores in lieu of collateral.
Unapproved Traditional Loan
Sometimes traditional loans are tough. Hard money development loans will come to your rescue.
Take Less Time
Traditional loans may take months for approval. Hard money loans are quick and easy.
Less Income or Cash in Hand
Hard money loans don’t need proof of income or bank balance, hence there’s easy approval.
F&N Access Mortgage Loans
How to Qualify for Commercial Hard Money Real Estate Loans
- Find a lender that will look at your case.
- Pre – qualify for a hard money loan by supplying basic details
- Produce documentation for the property in question
- Finalise the deal.
Frequently Asked Questions
1. What types of properties does F&N Access Mortgage finance?
We finance a wide range of investment properties including 1–4 unit residential homes, small multifamily buildings, mixed-use properties, commercial properties, land (case-by-case), and rental portfolios across DC, Maryland, and Virginia.
2. How fast can I close on a loan?
Most borrowers can close within days, not weeks. Timing depends on appraisal scheduling, required documents, and the responsiveness of all parties—but our process is designed for speed.
3. Do you lend to first-time real estate investors?
Yes. We work with both first-time and experienced investors. Our property-focused approach makes it easier for new investors to qualify if the deal and exit strategy are strong.
4. What documents do I need to get started?
We keep documentation simple. Typically, we need the purchase contract, scope of work (if rehab), entity information, and basic financials. Our team will guide you step-by-step through the essentials.
5. Do you look at credit scores?
Credit is reviewed but not the primary factor. We focus on equity, the property, cash flow, and your exit plan—not just your credit score or tax returns.