Get the Capital You Need to Move Your Real Estate Project Forward.

• Fix and Flip Interest Rates from 10.99% (interest-only payments) and origination as low as 2% (Deal Dependent) 
• New Construction Interest Rates from 11.99% (interest-only payments) and origination as low as 3% (Deal Dependent)
• In House Appraisal Fee: Average of $499
• Loan Documentation: Starts at $325
• Loan Administration Fee: $699 
• Credit Report: $85, or $125 for joint reports 
• Flood Certificate: $15  
• Monthly Servicing: $15  

• Mandatory title policy for the mortgagee. 
• Insurance policy (Builder’s Risk) required for the entire loan duration. 
• Up to 75% financing of the After Repaired Value for Flips (points & fees excluded), capped at 90% of cost. 
• 70% financing of the After Repaired Value for New Construction (points & fees excluded), capped at 85% of cost. 
• Loan term: 6 months - 12 Months
• Optional 3-month extension available for 1 Point. 

• Required Credit Score: 600 or above. 
• Minimum of $15,000 in Checking, Savings, IRA, or 401(k) accounts. 
• No recent bankruptcies or foreclosures (subject to Silverton's review).

• Exclusive to First Liens 
• Eligible properties: Single-family homes, 2–4-unit buildings, and townhomes (excluding condominiums or manufactured homes). 
• Loans based on After-Repaired Value (ARV). 
• Silverton appraisals conducted by in-house appraisers. 
• Property locations: Suburban or major metropolitan areas, specifically Dallas & Fort Worth. 
• Silverton may modify advance rate criteria as needed.

• Appraisals based on After-Repaired Value (ARV), exclusively ordered by Silverton Capital.
• Borrowers must provide a 6-month, fully paid insurance policy at closing. 12-month for New Construction. Evidence of insurance and invoice required from the borrower's insurance agent before closing.
• Full payment of insurance premiums at closing is mandatory without exceptions.
• For properties, dwelling coverage must include vacancy and vandalism riders. Builder's risk policy recommended for rehabs exceeding $20,000.
• Borrowers with blanket policies must show proof of insurance for the new property and the existing blanket policy.

• Replacement cost coverage is compulsory.
• Lender to be listed as loss payee and additional insured. To avoid loan closing delays, arrange insurance promptly!

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To issue a Pre-Qualification, please provide the following:

• Complete the registration and Silverton loan application, which requires: Personal information.
  • Contact details.
  • Current address 
  • Additional questions 
  • Co-Borrower details (only for married spouses; LLC members must apply separately) 
  • Consent for a Soft Credit Pull
  • Upload a copy of your Driver's License. 
  • Provide proof of Assets (minimum $15,000 in liquid assets), including: Last two months' statements of checking/savings accounts. 

• Ensure all pages are included. 

Once all information is received, a Pre-Qualification letter will be issued. 

Complete registration and loan application, including:

• Personal information 
  • Contact details 
  • Current address 
• Additional questions 
  • Co-Borrower addition (for married spouses; LLC members must apply separately) 
  • Consent for Soft Credit Pull (Hard Pull for deal approval) 

• Upload:
  • Driver’s License 
  • Proof of Assets (minimum $15,000 liquid), with last two months' bank statements and last quarter's retirement account statements (all pages) 

Upon receiving all documents, a Pre-Qualification letter is issued. For Deal Approval, Additional Uploads Required: 

• Silverton Loan Form (Deal Details and Experience) 
• Executed purchase contract (all pages, including assignments) 
• Itemized rehab estimate with costs per item 
• Appraisal Request Form 
• Insurance Verification Form 
• Out of State Borrower Form (if applicable) 

Items needed for Closing: 

• Title Company Request Form 
• ACH Payment Authorization 

• Entity Documents (if closing as an LLC or Corporation):For LLC: Certificate of Formation, Good Standing, Operating Agreement, EIN, Unanimous Consent for transaction 

• For Corporation: Certificate of Formation, Good Standing, Articles of Organization, Corporate Resolution, EIN 

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We Will Need the Following Uploaded To Your Online Account for Deal Approval: 

1. Silverton Loan Form detailing Deal Details and Experience. 

2. Executed purchase contract, including all pages and any assignments. 

3. Itemized rehab estimate, with costs for each line item. 
4. Insurance Verification Form. 
5. Out of State Borrower Form (if applicable). 

Items needed for Closing: 

1. Title Company Request Form. 

2. ACH Payment Authorization. 

Entity Documents for LLC or Corporation: 

• LLC Requirements: 
  • Certificate of Formation. 
  • Certificate of Good Standing. 
  • Operating Agreement. 
  • Employer Identification Number (EIN). 

• Unanimous Consent from members for the transaction (if more than one person is on the Operating Agreement). 

• Corporation Requirements: 
  • Certificate of Formation. 
  • Certificate of Good Standing. 
  • Articles of Organization. 
  • Corporate Resolution authorizing the transaction. 
  • EIN. 

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A hard money loan is a short-term financing option used to purchase investment properties for rehabilitation, followed by resale or rental. 

A hard money loan finances acquisition and renovation costs, reducing out-of-pocket expenses. With quick closing and fewer qualifications than conventional loans, investors can compete for deals, retain capital, and maximize returns.

As fellow investors having used the same products, we understand the importance of quick and hassle-free lending. This allows you to focus on swiftly completing your rehab, listing, and closing, so you can move on to your next project without delay.

The standard closing time is 3 to 5 business days and in certain cases, sooner.

We require a 600 minimum credit score.

Please visit our loan criteria to learn more.