PRIVATE FINANCING FOR REAL ESTATE INVESTORS & DEVELOPERS
Funding Philadelphia, Southeastern PA and New Jersey Since 1956
ACQUISITION, NEW CONSTRUCTION,
REHAB & REFINANCE
Direct Mortgage Loan Company has funded thousands of development projects and investment properties in and around Philadelphia, Southeastern PA and New Jersey. A private lender specializing in fixed-rate bridge financing, our operation is built for speed and ease of capital®.
Flip/Rehab Loans
New Construction Loans
Acquisition Loans
Bridge Loans
Cash Out/ Refinance Loans
Commercial Loans
Single Family Loans
Land Loans
Multifamily Loans
At Direct, we do a lot of little things differently that add up to a big difference for our clients. Our borrowers come back to us again and again because we help them grow their business and their wealth.
Whether you're buying distressed properties to fix and flip, developing multifamily or commercial projects from the ground up, or scaling a single-family rental portfolio, real estate investors need fast, flexible financing. Since 1956, Direct Mortgage Loan Company has funded thousands of investment properties in Philadelphia, Southeastern PA and New Jersey. Our operation is built for speed and ease of capital®.
Direct Mortgage Loan Company is a locally owned and operated private lender specializing in fixed-rate bridge financing for real estate investors and developers. We call ourselves the “Soft” Hard Money Lender®. At Direct Mortgage Loan Company, there’s no middleman. We make our own lending decisions, we do our own analysis of value, and we handle draw inspections in-house. We look for ways to make difficult transactions work, while at the same time making good, sound loans. We build relationships that outlast any single transaction. Get started here for funding for real estate development in Philly.
Direct Mortgage Loan Company has been a reliable hard money lender in Philadelphia since 1956. We are built around the needs of investors and developers who can't afford to wait. For more than seven decades we've worked with investors and developers on everything from land acquisition to ground-up new construction across Philadelphia, Southeastern PA, and New Jersey. Whether you are seeking hard money loans in Fishtown for a modern townhome project or looking to revitalize a classic property with hard money loans in Manayunk, we have the local boots-on-the-ground experience to fund your vision. We are particularly well known for our construction loans in Philadelphia and across the region, offering interest-only, fixed-rate financing structured around how construction actually works, not how a bank thinks it should.
ARV-Backed Lending
Most lenders evaluate a property based on what it is today. Our hard money lenders evaluate it based on what it will be when the work is done. Our ARV based lending in Philadelphia is underwritten against the projected value of the finished, renovated property, rather than its current distressed condition. You provide the scope of work. We assess the as complete value and typically lend up to 70% of that number.
Fix and Flip Loans
A fix and flip loan covers both the acquisition and the renovation in a single, short-term loan. Rather than funding the full renovation upfront, we release funds in draws as work is completed.
BRRRR Loans
The BRRRR strategy — Buy, Rehab, Rent, Refinance, Repeat — is one of the most effective ways to scale a rental portfolio. As a private money lender in Philadelphia, we finance the acquisition and rehab phases. Once the property is stabilized and rented, you can refinance into long-term conventional financing and pull your capital out to do it again.
New Construction Loans
Building from the ground up requires a lender who understands the full arc of a development, from land acquisition through the final construction draw. Our new construction loans are structured for shovel-ready projects across Philadelphia, Southeastern PA, and New Jersey, covering both the land and the build in a single loan. Funds are released in draws as each phase is completed, so you're never carrying more debt than the project requires.
Bridge Loans
A bridge loan is short-term capital that gets you from where you are to where you're going. We structure bridge loans around your specific timeline and exit strategy.
Land Loans
Land loans are hard to find. Many lenders won't touch raw land because there's no structure to secure against and the timeline to development can be unpredictable. We're comfortable with that. Whether you're securing a lot for future development, holding land while you work through permitting, or looking to resell after entitlements are in place, we can structure a loan around it. If the deal makes sense, we'll find a way to fund it.
Acquisition Loans
As the best hard money lender in Philadelphia, our acquisition loans are designed for speed; empowering you to approach any deal with the confidence of a cash buyer.
Refinance Loans
If you have equity in an existing property, a refinance can put that capital back to work. We lend against the current value of the asset, and can include construction funding as needed as a construction lender in Philadelphia.
Commercial Property Loans
We finance income-producing commercial properties across Philadelphia, Southeastern PA, and New Jersey, including multifamily, mixed-use, retail, office, and industrial assets.
SPEED AND EASE OF CAPITAL®: FAST CLOSING HARD MONEY LOANS IN PHILADELPHIA AND BEYOND
As a direct lender for hard money in Philadelphia with in-house underwriting, draw inspections, and decision-making, every part of the process moves faster. We can typically close in under two weeks. Returning clients close even faster. Draws are funded in one to three business days. There are no hidden fees, no prepayment penalties, and no third party appraisal required on most loans under $500,000.
If you're looking for hard money loans at the Jersey Shore or anywhere across Philadelphia, South Eastern, PA or New Jersey, the process is the same: straightforward, transparent, fast, and flexible.
Fast Approvals: Our internal decision-making process skips the board meetings and focuses on the merits of the deal.
Convenient Process: We minimize paperwork and focus on the essentials that make for a sound investment.
Quick Access to Capital: Move from application to funding in record time.
Extremely Flexible: Every deal is unique, and we structure our loans to reflect the specific needs of your project.
Real Estate Investor Partner: We view ourselves as an extension of your team, not just a line of credit.
In real estate, the ability to move quickly on an opportunity is often the difference between a great investment and a missed chance. We're built for that moment.
THE FASTEST AND BEST HARD MONEY LENDER IN FISHTOWN AND MANAYUNK
With over 70 years of direct, hands-on experience in the Pennsylvania market, we know the nuances of every neighborhood. We are the lender who can continually support your growth and make sure you have access to the best hard money loans.
The experts at Direct Mortgage Loan Company are ready to assist when you need fast closing hard money in Philadelphia. Our services extend beyond Philadelphia as well, providing services as a hard money lender in Montgomery County and the surrounding areas.
GIVING BACK WITH EVERY LOAN CLOSED
As a Philadelphia-based business with a big community impact, we believe in making meaningful contributions of both time and money to create good beyond the realm of business. That’s why we have committed to donating a portion of our revenue to local violence intervention nonprofits and literacy and arts programming for youth.
CONTACT US
Contact us today to discuss your project and experience why we are the top-rated hard money lender in Philadelphia.