or

By signing in, I accept the Rebuildetroit.com Terms of Use.

Agent Registration

Find Your Agent Profile

Agent Registration

Lapeer, Lapeer County

Hard Money Loans in Lapeer, MI

Compare lenders who handle hard money loans in Lapeer, see what the job includes, and get free quotes in minutes.

Hard Money Loans in Lapeer County
  • Free, no obligation
  • Pros from neighboring cities
  • Paid spots always labelled

Protected by reCAPTCHA. Google Privacy Policy and Terms apply.

Get hard money loans quotes

Add your ZIP and we will route your request to lenders serving Lapeer.
Free to use. Your details go to Rebuild Detroit and the pros you choose.

Rebuild Detroit is not a lender or mortgage broker, does not make credit decisions or quote rates, and information here is general, not financial advice.

Free for homeowners: no fees to compare or request quotes
Compare side by side: verification status on every profile
One request goes to the local pros you choose
Local to Lapeer: pros who serve your area

Hard Money Loans in Lapeer

Get matched with lenders serving Lapeer

Tell us what you need. We route one free request to lenders who cover Lapeer and nearby cities, and you choose who to hire.

Are you a mortgage lender in Lapeer?

Be the first mortgage lender listed here. Claim a free profile, or get Verified for $30/month and receive the requests from this page.

Get listed here
The job

What hard money loans usually includes

  • Review of purchase contract, scope of work and rehab budget
  • After-repair value estimate or appraisal
  • Written term sheet showing points, term and extension options
  • Draw schedule with inspection process
  • Title insurance and insurance requirements
  • Entity and guarantor documents review
  • Payoff and extension terms explained before closing
Price

What drives the cost of hard money loans in Lapeer

  • Loan-to-cost and loan-to-ARV ratios
  • Your experience and track record
  • Points, draw fees and inspection fees
  • Loan term and extension options
  • Property condition and scope of rehab
  • Credit and liquidity of the guarantor
  • Speed of closing required
  • The age of the home: the typical Lapeer home was built around 1976, so older materials, lead-safe rules and hidden damage can add time

Before you hire in Lapeer

Lead-safe work rules apply to most homes

The typical home in Lapeer was built around 1976. Painting, window, siding and remodeling work that disturbs paint in homes built before 1978 must follow the EPA lead-safe (RRP) rule. Ask any contractor for their RRP certification before work starts.

Pre-war construction

17% of homes predate 1940. Expect plaster walls, balloon framing and possible asbestos in old pipe wrap or floor tile; test before demolition with a licensed asbestos contractor.

Permits: check with the Lapeer building department before work starts.

Compare quotes

How to compare hard money loans quotes

  • Send the same deal to two or three lenders.
  • Compare total cost: rate, points, draw fees and extension fees.
  • Ask how quickly draws are inspected and funded.
  • Confirm there is no penalty for early payoff, or what it is.
  • Ask for references from Detroit investors the lender has funded.

Other mortgage lender services in Lapeer

Hard Money Loans near Lapeer

Hard Money Loans in Lapeer: FAQ

A private lender funds the purchase and often most of the rehab, secured by the property, then you repay it by selling or refinancing. Terms are short and based on the deal.
Cost depends on points, the rate, draw and extension fees, leverage and your experience. Compare written term sheets; Rebuild Detroit does not quote rates.
Some lenders fund first-time flippers with lower leverage or a partner. Ask each lender about experience requirements.
Compare the pros on this page, starting with verified and claimed profiles, or send one free request and it goes to pros who serve Lapeer.
It depends on the scope. Ask the Lapeer building department, and expect a licensed contractor to pull any permit the job needs.

Get hard money loans quotes in Lapeer

Free, fast and local. Tell us about the job and pros who serve Lapeer reach out.

2026 lists

The 2026 list

For mortgage lenders: be one of 5 on the Best Mortgage Lenders for Hard Money Loans in Lapeer of 2026 list5 of 5 spots left
Call (855) 780-3248