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Shelby Township, Macomb County

Hard Money Loans in Shelby Township, MI

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

Hard Money Loans in Macomb County
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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.

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Local to Shelby Township: pros who serve your area

Hard Money Loans in Shelby Township

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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 Shelby Township

  • 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 Shelby Township home was built around 1989, so original parts may be near the end of their life

Before you hire in Shelby Township

Mid-century and newer systems

Most homes here date from 1989 or later. Original furnaces, water heaters and roofs from that era are well past their service life, so replacement planning matters more than repair.

Michigan basements

Freeze-thaw cycles and clay soils make foundation cracks and wet basements common across Metro Detroit. Foundation and sump pump checks belong on every spring list.

Permits: check with the Shelby Township 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 Shelby Township

Hard Money Loans near Shelby Township

Hard Money Loans in Shelby Township: 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 Shelby Township.
It depends on the scope. Ask the Shelby Township building department, and expect a licensed contractor to pull any permit the job needs.

Get hard money loans quotes in Shelby Township

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

2026 lists

The 2026 list

For mortgage lenders: be one of 5 on the Best Mortgage Lenders for Hard Money Loans in Shelby Township of 2026 list5 of 5 spots left
Call (833) 313-2434