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503-941-5473

5335 Meadows Rd, Suite 380
Lake Oswego, OR 97035

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503-941-5473

Loans We Offer

Northwest Private Lending offers a variety of equity-based / hard money lending solutions to suit every type of residential real estate investor. From purchase financing for a fix and flip to cash-out refinance loans on residential or commercial properties. We are the local and trusted private lending partner for the Northwest. We prioritize our clients and help them to achieve their goals. We specializes in financing that acts like cash and we can make the loans that banks and conventional lenders cannot.

  • Fix and Flip Loans

  • Rehab and Refinance Loans

  • Cash-Out Refinance Loans

  • Bridge Loans

  • Commercial / Industrial Loans

  • Construction Loans

  • 1031 & Reverse 1031

  • Acquisition / New Purchase Loans

Fix and Flip Property

Fix And Flip Hard Money Loans

If you are a real estate investor looking to acquire properties that require all-cash to purchase or want to buy a property that won’t qualify for a conventional loan, we offer same day pre-approval letters. Our Fix and Flip loans do require that you have some financial skin in the game but do not require appraisals, home inspections, or budget approvals. We give you the full loan amount at closing so there is no draw process. We never charge pre-payment penalties, so our fix and flip loans can be paid off at any time. You also can always keep your loan with us as long as you need it, we never charge extension fees.

More about Fix and Flip Loans

NWPL Rehab Loans

Buy, Rehab, Renovate and Refinance (BRRR Loans)

Are you looking to purchase a distressed property, make improvements, and then turn it into a source of income? Good deals don’t last long and commonly need cash to purchase! A hard money loan gives you the cash you need to buy foreclosures and short-sales. We also lend on distressed properties that are not conventionally financeable. At NW Private Lending we help our clients purchase and renovate those homes and work with you to refinance that loan with a low rate conventional mortgage. Call us today to receive your pre-approval letter!

More about Rehab and Refinance Loans

Cash Out Refinance

Are you property rich, but cash poor? Have you paid off or paid down a piece of real estate only to find the bank won’t lend to you or they are taking too long? You are not alone. With changes in conventional lending standards this is becoming a huge problem for many savers who want to get cash out of their real estate holdings. We love helping our clients and can quickly and easily convert your saved equity into cash. We make our own decisions and don’t require W2 income, tax returns, credit scores, or debt to income ratios to do it.

More about Cash-out Refinance Loans

Short-Term Bridge Loans

Are you looking for a way to purchase your next home while waiting for another property to sell? A Bridge Loan enables clients to purchase first and sell second. NW Private Lending can loan up to 100% of the purchase price of a new home by utilizing the equity in your existing home. Call us today to see if a bridge loan is right for you!

More about Bridge Loans Loans

NWPL_Commercial Property Loan

Commercial / Industrial Loans

Commercial properties can take so many forms. From office buildings and parking garages to raw land and retail space, working with a private lender who understands the value and can help make purchases and improvements is hard to find. With loans ranging from $50k to $2m, Northwest Private Lending can provide the know-how and capital you need to be successful as a commercial real estate investor!

More about Commercial / Industrial Loans

Property Renovation & Construction Loans

Do you have significant equity in a home that you’d like to put to work for a much-needed renovation? Construction Loans enable clients to turn stored up equity into a new kitchen, bathroom, or extension on a residence or commercial building. Are you at the end of a new construction project you financed yourself only to find you have run out of money? Traditional banks won’t lend during construction, but we will. Give us a call.

More about Construction Loans

1031 & Reverse 1031 Exchange Loans

In simple terms, a 1031 or reverse 1031 exchange is the way expert real estate investors defer taxes on profits made from the sale of one or several investment properties through the reinvestment of those profits into another investment property. The tax savings can be a huge, but it does require proper documentation and is very time sensitive! If you miss the government’s timelines you will not qualify for the tax benefit. NW Private Lending can connect you with a local 1031 exchange expert and can close on purchases within 3-5 business days. We specialize in last-minute solutions to complex transactions.

More about 1031 & Reverse 1031 Loans

Acquisition / New Purchase Loans

Do you have a large down payment, but don’t check one of the boxes required to get a conventional loan? That is okay, we are a private lender and we make our own boxes. We don’t use credit scores, W2 Income, citizenship or tax returns to evaluate our clients. We can lend to you even if you are starting a new business, recently changed jobs or are going through a divorce. We make loans to all people from all countries regardless of citizenship. We are proud of the immigrants who make this country great and want to help you purchase a home. We love to help those who have worked hard, saved their money but have a unique situation.

More about Acquisition / New Purchase Loans

Simple Rates and Terms

Loan Origination Fee: 3 Points (minimum $2,500)
Loan Document Fee: $650
Monthly Interest Rate: 1% per month
Monthly Payment: Interest Only
Closing Costs: Paid by Borrower
Loan Closing: 3-5 Business Days

Loan Amount Range: $50,000 up to $2,000,000
Loan Maturity: 1 month to 10 years
Property Appraisal: Not Required
Underwriting Fee: None
Pre-Payment Penalty: Never
Extension Fee: $0 on performing loans

Is a Hard Money Loan right for me?

Our Loan Process

Hard Money Loan Process

01

Contact Us

Give us a call or click below and we will call you. Our loan decisions are based on people and their unique situations. We can quickly assess your situation, approve loans on the spot, and issue pre-approvals on the same day! We are the direct lender, so you are talking with the decision maker who will be lending you the money, not a salesperson who just wants your personal information. Call us today!

Contact Us
Hard Money Loan Process

02

Apply

The loan application is the 2nd step on purpose. We won’t ask you to apply if we haven’t already talked and are confident that this loan is right for you. We do not require bank statements, tax returns, debt to income ratios or minimum FICO scores to make our decisions and have created a simple online application that takes less than 10 minutes to complete.

Apply Now
Hard Money Loan Process

03

Get Funded

Once we have your loan application we open or engage with escrow. It typically takes 2-3 business days to receive a title report and one day for us to order loan docs. Clients can sign at escrow or with a mobile notary and we close and fund the same day. It's as simple as that!

Simple Rates and Terms
Hard Money Loan Process

04

Pay Your Bill

We make it easy to pay your bill and track your loan through our on-line portal. While most clients choose to use their own on-line banking to make their payments, you can always mail us a check or money order and unlike most lenders we do accept CASH or Zelle payments. We also enable our clients to set up recurring ACH payments through our simple online portal.

How to Pay Your Bill Online

Our Loan Process

Hard Money Loan Process

01

Contact Us

Give us a call or click below and we will call you. Our loan decisions are based on people and their unique situations. We can quickly assess your situation, approve loans on the spot, and issue pre-approvals on the same day! We are the direct lender, so you are talking with the decision maker who will be lending you the money, not a salesperson who just wants your personal information. Call us today!

Contact Us
Step 1
Hard Money Loan Process

04

Pay Your Bill

We make it easy to pay your bill and track your loan through our on-line portal. While most clients choose to use their own on-line banking to make their payments, you can always mail us a check or money order and unlike most lenders we do accept CASH or Zelle payments. We also enable our clients to set up recurring ACH payments through our simple online portal.

How to Pay Your Bill Online
Hard Money Loan Process

02

Apply

The loan application is the 2nd step on purpose. We won’t ask you to apply if we haven’t already talked and are confident that this loan is right for you. We do not require bank statements, tax returns, debt to income ratios or minimum FICO scores to make our decisions and have created a simple online application that takes less than 10 minutes to complete.

Apply Now
Step 1
Hard Money Loan Process

03

Get Funded

Once we have your loan application we open or engage with escrow. It typically takes 2-3 business days to receive a title report and one day for us to order loan docs. Clients can sign at escrow or with a mobile notary and we close and fund the same day. It's as simple as that!

Simple Rates and Terms

Featured Loans

 

Fix & Flip Loan

Location: 2104 NW 12th St, Battleground, WA

LTV: 80%

Purchase Price: $315,000

Loan Amount: $252,000

Total Rehab Costs: $50,000

Sold For: $415,000

Scenario (Distressed Seller): Property was purchased at a discount; needed minimum updates; borrower was able to fix up the home and sell in 3 months!

More about Fix and Flip Loans

Cash-Out Refinance Loan

Location: 17431 SE Bordman Ct, Milwaukie, OR

Property Value: $335,000

Loan Amount: $90,000

LTV: 27%

Scenario: Borrower owned several rental properties and needed quick cash-out to refinance to invest elsewhere; Cash-in-hand in 3 days!

More about Cash-Out Refinancing

Bridge Loan

Purchased Property: 16394 Kitty Hawk Ave, Oregon City, OR

Owned Property: 34250 NE Colorado Lake Dr, Corvallis, OR

Loan Amount: $725,000

LTV: 50%

Scenario: Borrower owns property in Corvallis and wants to make a cash offer on a new primary residence.

More about Bridge Loans

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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