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503-941-5473

5335 Meadows Rd, Suite 380
Lake Oswego, OR 97035

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We Are a People First Private Money Lender

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Portland's Top Rated Hard Money Lender

Northwest Private Lending is a Portland-based private money lender specializing in hard money or collateral based loans. Our family has been making private mortgage loans to real estate investors for over 30 years. We have made over $600 million in private loans to the good people of Oregon and Washington. Our primary focus is offering quick and creative lending solutions to borrowers who either own real estate or seek to acquire new investment properties. We are people, not an institution. We treat our clients like friends; always seeking to build long-term relationships. We commit to making win/win deals, our yes being our yes, fair treatment in challenging situations, great communication and consistent reputable decision making.

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Patricia's Story

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What We Do

Why Choose Us?

Hard Money Lending terms explained

Hard Money Lending terms explained

Hard Money Vs Private Money

Hard Money Vs Private Money

Real estate Investing

Real estate Investing

When Should You Use Hard Money?

When Should You Use Hard Money?

What Makes us Different

Northwest Private Lending is not an institution and you are not a number. We don’t have sales people or an underwriting department. We are a family office with ONE decision maker and an amazingly kind and supportive staff that allows us to make loans with incredible speed. We will say yes or no the same day and help you to cut through the red tape of traditional lending. This allows our clients to make cash offers and take advantage of great real estate investment opportunities.

Hard money lenders can vary quite a bit. Our family has been making loans for over 30 years and have become known for honest and transparent terms, easy communication, win / win deal making, treating our clients fairly, and always closing on time.

Our Distinctives

As a direct private mortgage lender, you are dealing with the person cutting the check and who will service your loan. We provide pre-approval letters on the spot and work one on one with our clients so they can take advantage of time sensitive opportunities. Our yes is our yes and there are no surprises.

Direct Lender vs. Broker

We have the money and are ready to deploy it. We produce our own documents and have a team of people to make sure that your loan closes quickly. We have the relationships that allow our loan to act like cash for your purchase. We enable you to take advantage of cash only, not conventionally financeable and bank-owned, foreclosures or short-sale property listings. Go get your deal! We are here to back you up.

Why Would I Use Hard Money From A Private Lender Like Northwest Private Lending

We charge a 3-point origination fee on the borrowed amount, a $650 document preparation fee, and 1% interest per month. That’s it.

We do not charge extension fees to clients in good standing. Therefore, if you need to keep your loan a little longer, that’s okay and it won’t cost you. We never charge pre-payment penalties. It will not cost you extra if you only need your loan for a few days or a few months.

We have one loan type and we offer it to all people whether you have good or bad credit. We do not charge you more if it is your first transaction or if you have had financial issues in the past. We do not try to rope you in with lower advertised rates only to switch you to a more expensive loan. We do not nickel and dime you with fees to extend loans. We are fair, transparent and only make loans that are secure for us and a good investment for you.

What is NWPL’s loan process?

You are not a number to us. You are a person and have a story. You have a plan and want to make a good investment and you are looking for a lending partner who will treat you fairly.

You will never feel pressured to borrow from us or to borrow more than you need. We will tell you if we think a deal is not in your best interest. We will refer you to other lenders who have a better or less expensive loan product than we have. We do this because we want you to be successful and if we can help in some way, we always will.

What People Say

Eric and his team worked with my family and I to place us in a position to better ourselves with our homes refinance. The process was streamlined and very quick, Eric guided us through every step with regular updates and his team was informative, knowledgable and helpful. We would recommend Northwest Private lending to anyone for their home refinance, or any of the services they offer. Very professional, honest and reliable. Highly recommend!

charles bocook

04:16 29 Jun 20

Due to COVID our original hard Money lender jumped ship, I searched everywhere for a new lender who could fund us FAST. We were referred to NW Private Lending days before we were due to close. Eric and his team expedited our file and was able to fund and close our file with affordable rates and no red tape. This has been by far the best lending experience I have ever had in my 14 years in Real Estate. Do not think twice if you are hesitating on choosing this team. True professionals that are ROCK STARS! Thank you so much Eric and Team. We will be back!

Amy Gerrits

18:50 16 Jun 20

Eric and his team came in at the last minute and provided viable solutions through a loan, stayed true to their promise, and were very transparent throughout the process. Thank you Eric!

Conrad Stough

03:04 14 Apr 20

Eric and his team handled our loan with care in the up most professionalism. I will defiantly use them again in the future as well as recommended their services to anyone that might need them.

Nicki M

03:38 09 Apr 20

A reliable private lender, transparent, straightforward, no hidden clauses, no unnecessary third party involved. Unlike some other lenders who charge on private loan rate but process application like a traditional bank, NWPL did a really quick approval and closing. And the best thing is that you can always directly reach your personal customer service - the friendly GM, Eric.

PE NW

21:19 13 Jan 20

This lending company was quick and efficient. Eric Larson kept me well informed. Great results, great people.

Nadia R.

22:06 10 Jan 20

All of the folks at NW Private Lending have been a dream to work with. They are not only super friendly and flexible, but are fast and efficient at what they do. I've yet to find a private lender this easy to work with. I've done two deals with them so far and it's been a pleasure both times!

Cole Blackburn

20:14 02 Jan 20

these guys have been amazing through the entire process. they got my loan funded very quickly with very few hoops . Eric Larson is an absolute pleasure to deal with. they always treated me very fairly and with respect.I highly recommend them.

Daniel O'Reilly

18:22 02 Jan 20

This was a remarkable experience. We used NW Private Lending to help us flip a piece of property and I didn’t know what to expect going into this. Eric Larson took us under his wing and took ALL the time we needed to understand not only the process of their services but other things we should know and be aware of throughout our first project. Eric also sat with us throughout the closing process in escrow and helped us to understand all the documents we were signing. I would HIGHLY recommend this company’s service as they made us feel as though we were part of their personal family.

Robin Smith

20:20 18 Dec 19

It's always a pleasure doing business with Eric @ NWPL. He's a pro looking out for future business and that's what he'll get should I ever have use for private lending again.

Cathy Davidson

05:03 25 Aug 19

Northwest private lending was fantastic to work with. I was introduced to Eric Larson with about 48 hours left to complete my contracted sale. I was the purchaser. I thought this deal would probably be dead due to the fact there was not enough time to fund. Eric assured me that they could get it done within the time limit we had left on the contract. I had my doubts. They performed with outstanding speed and accuracy. The deal was completed and funded with about 12 hours left to spare. Eric and his team are wonderful to work with. They do what they say they're going to do. They are honest and forthright about the transaction. I look forward to working with them again in the future.

Randy Rugg

18:08 24 Aug 19

Eric and his team worked quickly to take care of the needs we had. We have worked with other private lending groups before in the past, with disappointing results. Eric made every effort to ensure we had a positive result with him and his team. We are Very impressed with Northwest Private Lending.

Monte Pershall

15:02 24 Jun 19

Northwest Private Lending has been absolutely wonderful to work with. We have done a significant of real estate transactions over the years and this has been the easiest and most streamlined transaction we have ever done. The customer service we have received from everyone at NW Private Lending has been 5 star plus.

Mike M

04:35 24 Jun 19

I met Eric through a realtor, I'm always skeptical of people in general and from my first conversation with Eric all my apprehensions were put at ease. Eric advised that he felt that he wasn't the best person to fund my loan, but in my heart he WAS! See sometimes it's not about 1 or 2 percent in savings on a loan, it's about customer service and ones word. Not only were we able to work out a loan that served us both, but I saw proffessionalism at its finest, his whole team is spectacular, they leave no stone unturned and are so efficient that I honestly was doubtful anyone could pull of what they said they could. I feel that when I call NWPL that I am not a number or a paycheck, I am a person that they work hard to serve. I know I have found a lender that has earned my buisness for as long as I am in need but more importantly I have met 3 more friends, and to me that means more to me then anything else in the world!!!!

Kevin McClellan

03:24 24 Jun 19

MIH! Making It Happen! That's the first thought I have with Eric and Northwest Private Lending. We had days to close before our client lost her home that she had a 5 year lease option on. There was over $100K in equity that she was about to lose and within days we closed before the lease option expired. We were able to sell the house shortly after for a huge win and profit for our client! We are all so blessed from the professionalism, and the speed at which this happened. I look forward to referring more business your way. If you need quick money without parlor tricks, contact Northwest Private Lending. If you need help buying or selling after your flip, please contact me! Thanks again Eric!

Realtor Dave Van Nus

20:16 22 Jun 19

Eric and his team did an outstanding job of not only providing a bridge loan for us, but did so without forcing us thorugh all the new government regulated banking protocols. Having worked with lenders for almost 40 years in development, working with NWPL was a pleasant surprise...they actually wanted my business. The loan is not cheap, but they got it done with minimal intrusion and saved me the cost of all up-front fees with a referral to a property insurer who was able to cut my building insurance in half. Good job Eric!

Terry Cook

16:49 17 Jun 19

Eric is awesome!!! I have used Northwest for my last 3 Real Estate deals, they all went very smooth and on time. I have been is the Real Estate investment business for 20 years and I would highly recommend Eric, he gets the job done!

Jana Fowler

18:24 12 Jun 19

It was great working with Eric Larson and his Team at Northwest Private Lending. We needed funds to close a great deal in 5 days and they stepped up with just a phone call and explaining the deal and the property involved. At the end of the first phone call we had a “Let’s make this Deal Happen”. A few more calls on details and did I mention two of the days were a weekend and we were signing paperwork and closing a great Deal. We have used a lot of Private Money over the years but I would have to say this was quick and the Team at Northwest Private Lending was wonderful to work with.We look forward to using them in the future.

Brae Runnels

15:05 11 Jun 19

Northwest Private Lending is a pleasure to work with and always closes on time. We have closed 10+ deals with them and they are the easiest lender I have ever dealt with. When they say they will close, they will. Hard Money has recently gone to Wall Street for funding with more stipulations and many lenders close in 30-40 days with full appraisals. Eric is true hard money and he is the decision maker. I have peace of mind that we will close in time when I work with Eric.Matt GillisBridgetown Homes Inc.

Matthew Gillis

01:21 26 Mar 19

Thank you when nobody else was willing to help you guys stepped in and made it happen for us!!

Lee Musselman

15:04 25 Feb 19

NWPL is a very professional real estate lending source. They provide excellent support and clear instruction. NWPL is the best private funding company that I have ever worked with.

Rory Matheny

16:17 21 Feb 19

I had the good fortune to attend a workshop led by Eric Larson and found the information extremely beneficial. Eric did a great job explaining complicated economic situations and circumstances in a manner all walks of real estate related professionals could comprehend. Thanks, Eric. Great job

James Boyle

22:32 10 Feb 19

I have a friend that used NW Private Lending to fund a purchase in 2018. Eric's approach is to understand the wants/needs of the client and ensure they the right business fit. Eric is extremely knowledgeable, ethical and authentic. Eric recently taught a class, The Economic Outlook, Bubbles, Currency & Inflation. He has the ability to take a complicated topic, dole it out in bite size chunks and keep your attention! I highly recommend Eric for specialized lending and education.

Heidi Torkko

21:48 30 Jan 19

NW Private Lending (NWPL) helped my clients buy a home they had a lease option on that was about to run out! There was plenty of equity, and it just made sense. I had contacted another broker before contacting NWPL, and they almost lost us the property because they didn't have their stuff together. Eric with NWPL made it happen! Now my clients have over 100K in equity they may have lost, and I have a 6% listing with my own 5 star reviews because we just gave this wonderful client a the life they almost walked away from if we didn't! I get a little emotional thinking about it! We are Integrity Homes Team and I am Dave Van Nus. As a former lender myself and now a current Real Estate Professional and expert in Creative Real Estate Transactions, I fully endorse using NWPL, a local and common sense private money lender! Thank you Eric and NWPL associates!

Realtor Dave Van Nus

21:54 29 Jan 19

It was my pleasure to attend a class Eric Larson taught last week about currency. Eric is an engaging story teller, clearly well-informed and he caused me to go "hmmmm" at several times during the class. It is clear that Eric is experienced and knows his stuff. His talk caused me to ask more questions and created in me a desire to know more of what he knows. If you have an opportunity to attend an event where Eric is speaking you'll be amply rewarded for the time you invest.

Kirk Hansen

19:33 28 Jan 19

1st, let me say I googled hard money lenders in Portland and found Northwest private lending. When I contacted their office a associate took my information and said someone will contact you soon. Within a few hours I get a call from Eric Larson the President while he was on vacation with his family in California. That impressed me! he was great, informative listened completely, and said Oscar I will give your deal a fair look. After a few days several phone calls from Eric, we were able to put together a honest straight forward fair deal. I have been a licensed contractor in Oregon for 25 years. I have borrowed millions of dollars in hard money. I have to say this is one of the best, fair and quickest experiences I ever had with hard money. Do yourself a favor CALL THEM. I want to thank Eric, his partner and Michelle for their quick fair work. LOAN DONE!! OSCAR G. WEST COAST PROPERTIES

CHAOS INVESTMETS LLC

06:39 25 Jan 19

I can't cay enough about Eric and Northwest Lending. I tried to get a loan at two other lending companies for three months. The process took longer than expected and in the end the loan did not come through. Eric literally approved and funded the loan in two weeks! He was professional and performed exactly what he said he could do.

Rod Johnson

19:17 24 Jan 19

The first thing I would like to say is, this is the first time I've ever written a review, for anyone or anything. That being said, my position for lending was during one of the the most difficult times of my life. I felt hopeless facing what seemed to be an impossible task. Northwest Private Lending made it possible. I was referred to Eric from a client, and after a few conversations and a home visit, I began to feel hopeful again. He responded quickly, professionally, with thoughtfulness. Once trust was established, moving forward was swift and straight forward. Thank you Eric.

Mark Irving

00:12 13 Dec 18

Eris is quite simply one of the good guys! As a veteran of the mortgage industry I was always reluctant to ever refer a client to a private lender until getting to know Eric and seeing NW Private Lending in action. With a spirit of providing a helping hand and working together to help people achieve their goals you will be in good hands.

Gary Boyer

19:27 27 Nov 18

Eric with NW Private Lending is an excellent resource for non-traditional lending options. Not only is Eric extremely knowledgeable in the world of lending, but he comes from an honest and wholesome position when working with his clients and partners. I highly recommend Eric and his team for any of your "out of the box" lending needs.

Annie Ransom

19:43 26 Nov 18

If you're wanting top notch service with a professional team that goes above and beyond for you, then look no further! Eric and his team are absolutely amazing to work with and are highly recommended! 5 stars are not enough. Thank you Eric, Michelle and Liz, you're all fabulous!

Tiffany Jones

18:00 26 Nov 18

One of the best experience I ever had with a private loan company. They were easy to work with and understood the project I was working on. I will alway go through this company for any other loan products. I look forward to working with them in the future.

Daniel Orme

08:26 24 Nov 18

I made one call to Eric Larson and in 5 minutes he not only approved the funding i was looking for he gave me great advice and followed up with me on a Saturday and the following week escrow was opened and i will be closing on time with no hassels. He also was able to do the same for my friend on an adjoining property. Absolutley the best call i have ever made.

Kimberly Starks

18:47 23 Nov 18

We can't say enough about the exceptional service and support we experienced with Northwest Private Lending. Eric and his team made the potentially stressful time of securing financing an easy and fast process. We closed within a week; we highly recommend them.

Stephen Strong

19:19 30 Aug 18

These guys are great!! Eric stayed in constant contact with me throughout the entire process. He was very flexible right up till the last minute for helping us meet our goals. There were NO surprises. Everything was handled through escrow and delivered on time. Very legit!

Hal Lindstrom

19:46 28 Aug 18

Northwest Private Lending is top of the line in all aspects of the business. Eric and his team make it easy to work with them, and make it about the relationship instead of the money. Would recommend them to anyone! They get deals done when others wont!!!

Jake Herigstad

21:12 23 Aug 18

As a realtor I can say Eric and his team are excellent to work with. From the beginning Eric was very responsive. This was my first time needing a private money loan for myself and it couldn't have been easier or quicker with simple, straight forward terms. NW Private lending will be my go to for any future private money needs.

Vince Onstad

21:39 22 Jun 18

I am a property manager and investor. NWPL is the BEST lender I have ever worked with over the last 19 years. They are always gracious, consistently work with us to achieve our goals, are efficient and Quick! in processing our paperwork and payments and very responsive. I can't think of any negatives at all. I highly recommend them to any prospective client. Thank you NWPL

Vicki Gillis

22:34 21 Jun 18

Dealing with this company has been a great experience. They have been a delight and have lived up to their promises. If you have a project and need funding, I'd consider asking NW Private Lending to get involved. You won't regret it. 🙂

Collins Bradford

18:09 10 Jun 18

Eric and the team at Northwest Private Lending are truly wonderful. They are industry professionals backed by integrity, solid ethics, honesty and heartfelt concern about their customers, regardless the lender or borrower's side of the house. We've dealt with other private real estate lenders over the years and by far, this team is top notch!

Maurine Powell

18:32 09 Jun 18

I have been working with this company for many deals . Love their service. They take care customer first...

Leemay Yang

18:22 09 Jun 18

Eric Larson has been wonderful, insightful and steered me away from making massive investment mistakes. He is honest and has integrity. Although I hate having to use hard money, it's the only option for me right now. I know Eric has my best interest at heart.

Magenta Sunshine

18:22 09 Jun 18

Before entrusting Eric with our retirement funds, my wife and I have invested with his father-in-law, Gary Clunas, for over thirty years. We have been transitioning our funds from Gary to Eric and were proud to be one of the first investors to entrust our funds with Northwst Private Lending. Eric tailors our loans to meet out needs and is always available to give personal updates and advise. And we would be remiss if we didn't mention the excellent service and support we also receive from secretary, nonpareil, Michelle.

Lee Kalk

18:32 23 Mar 18

I highly recommend NW Private Lending! Eric is super trustworthy and I feel grateful to be able to invest with them. They are very thorough, responsible, and always on top of every detail!

Jason Rubadue

16:28 15 Mar 18

I had a bad haircut, sore feet, spoiled children, and a disobedient dog. Northwest Private Lending fixed all of that, and guess what? They also know about money stuff! They're the best!

Robert Wynia

15:47 15 Mar 18

Eric Larsen is above reproach as a business owner and investor. He is extremely conservative in his investments, which make us feel safe with our money. There is never any pressure to invest. He simply gives us an opportunity as loans become available. We've had several investments with him and have never been disappointed. He communicates the exact details of the investment as far as what we can expect with return on our investment, timeline, etc. He is also friendly, personable and approachable. His office manager, Michelle, is on top of every detail as well. They make a great team!

Sheryl Dekorte

14:55 15 Mar 18

I've worked with NW Private Lending on the investor side and known Eric for many years. I trust them with my own money and investments and I know they will look out for my interests and that of borrowers I refer. Plus, if I need to make a deal happen in a few days, these are the guys to do it.

Chris Burdick

20:56 14 Mar 18

All details have been transparent and everything has gone very well working with Eric. I have been very happy with the investments I have made. It has been very nice to have an advocate helping me and my family invest successfully.

Karl Kaluza

14:17 14 Mar 18

Eric and his team are extremely detailed and easy to work with. They are our choice to refer our bests clients to. We suggest you give them a call, and find out how easy it is to work with them.

John DeCosta

13:08 14 Mar 18

Eric was extremely helpful, professional and communicative throughout the process. Next time I need "hard money" I'll definitely be reaching out to Eric.

Jeremy Morris

22:41 11 Mar 18

I'm very thankful with Northwest private lending; specially with the president of the company , Eric Larson, you were kind with me in all our interactions, I called him & his team, and they answer me promptly all my questions, during the process.This loan was very important for me as I was really need the funds to finish a proyect house, and this guys did awesome. I put the trust on the company and Eric treat me as a people rather than another file on his desk.I honestly recommend them, they were quick in providing the funds and also very professionals.

Light Sky

07:17 09 Mar 18

Eric made everything about my stressful situation quite easy, I'm incredibly glad I got in touch with him. He was available for all of my questions and concerns 24/7, even while on vacation with his family. Everything went through quickly and hassle free, especially compared to dealing with banks/credit unions. I would definitely recommend using Northwest Private Lending.

B K

18:53 24 Feb 18

It was a great experience working with Northwest Private Lending. I would recommend them to every one. Thanks for everything.

Patrick Applewhaite

23:45 15 Feb 18

I was referred to Eric Larson by my real estate agent when my family was looking into refinancing our home. Eric went above and beyond in terms of the care he put into helping us find a loan that saved us money. Although he did not handle the loan directly, he educated us about our refinancing options and put us in contact with another mortgage lender that could provide the best possible loan at a much lower interest rate than we ever imagined!

Chris Coffman

17:22 12 Feb 18

I am so very happy that I found you here. The best service staff I have ever had to work with so far. Eric & Michelle at NW Private Lending are awesome and easy to deal with. Always treat customer like me really well. Especially, Eric always put the best care to his client to make sure that his client is very successful. Thank you and I would recommend NW Private Lending to anyone I know.

Rayan Leng

06:10 12 Feb 18

Excellent company that truly wants to help you succeed in your financial matters. Very professional and staff are very helpful.

Tammi Young

23:41 22 Nov 17

Truly one of the most ethical businesses I've ever worked with. They go above and beyond to help find solutions to difficult lending situations and the customer service exceeds anything I would have ever imagined. Wish I could give them "10 Stars". We are on our third transaction with them and will only use them for all of our investments from here on out.

Christine Harper

01:15 27 Aug 17

Eric is knowledgeable, friendly, and defiantly meets and exceeds his commitments. We had an offered made, closed and funded within 7 days! In this market, that can be the edge you need. I highly recommend them!

KayCee Mogel

23:13 26 Aug 17

NW Private Lending is extraordinarily easy to work with and able to fund quickly, always meeting its forecasted funding timetables. We are delighted with our experience in working with Eric and his team .

Scott & Vicki Gillis

22:09 26 Aug 17

Thank you Eric and Michelle !!!!! I couldn't be happier with how well they have treated me. So glad to have life friends! They are so easy to work with! Thank you for believing in us Eric! Definitely recommend thwmcto everyone! They make financing easy and obtainable!

Travis Dornath

22:07 26 Aug 17

Honestly, I could not be more satisfied with this company. They are just so easy to work with and provide fast funds for investment. They have helped me purchase properties that no other lender could finance due to my limited credit (18 years old). They also fund FAST both properties I have finianced were funded in THREE DAYS OR LESS. Who does that?!? The customer service is second to none, and Eric (NWPL's President) is always so pleasent. I am a lifelong customer, and recommend Eric and NWPL to anyone who needs untraditional funding, or just fast funding in general . So grateful !!!

Justin Harp

22:04 26 Aug 17

Eric is passionate about helping people combined with both integrity and high ethics. A true blessing. Both Eric & Michelle at NW Private Lending were simply awesome to work with! I highly recommend Eric and his team. I look forward to many more projects.

Janine DiGregorio

02:58 08 Jun 17

Best experience! Friendly and responsive staff. Always available.

Matt Goodenough

20:38 03 Jun 17

I was referred to Eric Larson by my real estate agent when I was faced with the challenge of cash purchases of bank owned properties. Not only was Eric prompt to answer my questions but he also became a professional that I trust for advice. NW Private Lending meets the unique needs of investors who desperately need cash to purchase distressed properties that they can fix up and later refinance. I am pleased with the shared value in rehabilitating distressed homes and neighborhoods while providing livable dwellings for individuals and families.

Lambert Adjibogoun

18:18 25 Apr 17

Hi, Everyone I asked to help me with a loan after my husband died, friends and private lenders and Banks, all had many different excuses not loan to me money. I prayed and asked God for some one who would listen to me and my plan and help me, someone with faith and trust. Eric Larson is a wonderful person. He lent me money based on knowledge, experience and information but above all FAITH AND TRUST!!! His company genuinely cares for your success as a PERSON first. And in doing so mutual trust and faith in God's plans for ourselves blossom into fulfilled needs and dreams. With the cash I am now able to do the things I need to make my plans work. Thanks to NW private lending and Sam Thwaite who helped me find them. Mahalo Nui Loa ☺👍😄🐝

Laura Wofford-Brown

01:16 25 Apr 17

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Northwest Private Lending Inc NMLS # 1522364 // ML # 5496 is based in Portland, Oregon. NW Private Lending is an Equal Opportunity Hard Money Lender. We provide quick acess to capital for borrowers, real estate agents and mortgage brokers in Oregon and Washington. NW Private Lending is a collateral based lender focusing on bridge loans, fix and flip or rehab loans, commercial loans and non-owner occupied real estate investment properties.

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