Hard Money Loan Programs

We provide mortgage loans with low interest rates, flexible terms, and lower fees for properties that are difficult to finance. There is no minimum FICO credit score. We have flexible underwriting.

We offer recourse and non-recourse loans. We offer Cash-Out Refinance. Our Not So Hard Money® loan programs make hard money loans easier than ever.

If the property, borrower, or situation is “unbankable”, we are your solution.

WOW Classic Par Pricing
Starting Rate 6.99% 8.99% 9.99%
Origination Points 2% 2% 0%
Loan Term 3 yr or 2 yr IO 5 yr or 2 yr IO 5 yr or 2 yr IO
PPP None None 2 yr int
Insp. & U/W Fee $1k – $2.5k $1k – $2.5k $1k – $2.5k
Loan Programs
IO = Interest Only / PPP = Pre-Payment Penalty
Questions? Call Toll Free 877.566.5001
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As a leader in the private lending industry American Life Financial currently lends throughout the west and southwest. Our areas include: Arizona, California, Colorado, Idaho, Montana, Nevada, New Mexico, Oregon, Texas, Utah, Washington, Wyoming

Lending Area