Fast Hard Money Loans – Georgia

Our Georgia hard money loans are designed for real estate investors looking to maximize their opportunities. Whether you’re undertaking a fix-and-flip project or building from the ground up, we provide fast, reliable financing tailored to your specific needs.

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Reasons to Choose Investors Mortgage Group for Your Georgia Hard Money Loan

Over 200

Funded Deals

$80M+

Loan Volume

100+

5 Star Reviews

10-14 Days

Avg. Closing Time

In 35 States

Including Florida

The Top Choice for Hard Money Loans in Georgia

We are Georgia’s top choice for hard money loans, providing fast, reliable, and flexible funding solutions for your investment projects. Our expert team is dedicated to helping investors.

Competitive Terms

We offer competitive terms on investment property loans in Georgia. Fix and Flip loan rates range from 10.5%–11.25% with a 1.5%–2.99% origination fee. DSCR loan rates range from 6.5%–7.99% with 0% origination fee.

Simple Online Application

Real estate investors can apply online, get pre-approved, or schedule a call in just 2 minutes. The process is quick, easy, and hassle-free.

Quick Turnaround

Our team is ready to assist you. Submit a Quick Application or Pre-Approval, and we’ll respond within 1 business hour. Funding for your project can be completed in as little as 7 days.

Reliable Financing

Integrity and honesty are at the core of our work. When we approve a loan, you can count on closing on time.

Georgia Hard Money Loan Products

Georgia Fix and Flip Loan

Funding for Purchase + Rehab

Loan Amount: $50,000 – $3,000,000
Interest Rate: 10.5% – 11.75%
Origination Fee: From 1.5%
Financing: Up to 90% of Purchase & 100% of Rehab
Beginner-Friendly Fix and Flip Loans Available

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Georgia DSCR Loans

30-Year Financing for Rental Properties

Loan Amount: Up to $2,000,000
Interest Rate: 6.25% – 7.99%
Origination Fee: Starting at 0%
LTV: Up to 80%
Eligible Properties: Short-Term & Long-Term Rentals

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Ground Up Construction

For New Builds and Construction Completion

Loan Amount: Up to $3,000,000
Interest Rate: 10.99% – 12.25%
Origination Fee: From 2.0%
Financing: Up to 75% of Purchase & 100% of Construction
Loan-to-Cost: Up to 90% LTC

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State
Georgia

Loan Type
Fix and Flip

Loan Amount
$460,000

Loan Amount (if applicable)
90% of Purchase + 100% Of Rehab

Rate
10.99%

Points
2.25%

Georgia Deal Summary

This 4-bedroom, 3-bathroom property in Atlanta offered a compelling investment opportunity in a sought-after neighborhood. The property was purchased for $400,000, with the investor planning a $100,000 renovation, including layout improvements, modern finishes, and exterior upgrades. With an after-repair value (ARV) of $625,000, the project was positioned for a strong return. The investor secured a $460,000 loan specifically designed to cover the purchase and renovation costs.

Key Highlights

High Leverage: Financed 90% of the $400,000 purchase price and 100% of the $100,000 renovation budget.
Low Rate: More favorable than other lenders offering rates at 12.5%.
Quick Closing: Loan finalized in about 2 weeks, allowing the investor to secure the property on schedule.

Frequently Asked Questions

What are the requirements to get a hard money loan in Georgia?

To secure a hard money loan in Georgia, you typically need:

A credit score of at least 640

A project that is expected to yield a minimum 10% ROI

An LLC or corporation registered in Georgia

What types of properties can be financed with a hard money loan in Georgia?

Hard money loans in Georgia can be used to finance:

Residential properties with 1–4 units

Multifamily properties with 5–50 units

Select commercial properties

What are the interest rates and terms for hard money loans in Georgia?

Interest rates typically range from 10.5% to 11.5%, depending on the borrower’s experience and credit profile. The median rate for a fix-and-flip loan in Georgia is around 10.75%, interest-only, with no prepayment penalty.

How quickly can I obtain a hard money loan in Georgia?

Hard money loans in Georgia can be closed in as little as 10 business days.

Are there any state-specific rules for obtaining a hard money loan in Georgia?

Hard money loans in Georgia are considered business-purpose loans, meaning they are only available to borrowers with an LLC or corporation registered in Georgia.

Best Cities To Invest In Real Estate
In Georgia

Atlanta

Atlanta, GA, is a dynamic real estate market fueled by rapid population growth and a strong economy. As a major business center, the city is home to Fortune 500 companies and a thriving tech industry, attracting professionals and families alike. Its diverse culture, vibrant neighborhoods, and strategic position as a transportation hub make it highly appealing to renters and buyers. From single-family rentals to multifamily developments and fix-and-flip opportunities, Atlanta presents investors with a resilient market offering significant potential for long-term growth and profitability.

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Savannah

Savannah, GA, is a historic and picturesque real estate market offering unique investment opportunities. Known for its beautiful architecture, cobblestone streets, and thriving tourism, the city attracts a steady flow of visitors and new residents. With a growing economy supported by industries like manufacturing, logistics, and the Port of Savannah, housing demand is strong. Investors can explore vacation rentals, historic property restorations, and single-family homes, making Savannah a market with potential for steady growth and solid returns in a charming Southern setting.

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Augusta

Augusta, GA, presents a stable and promising real estate market, supported by strong healthcare, military, and education sectors. Known as the home of the prestigious Masters Tournament, the city draws visitors and residents with its rich history, vibrant culture, and affordable living. Fort Gordon and a growing cybersecurity industry further strengthen the local economy, driving consistent housing demand. Investors can find opportunities in single-family rentals, multifamily properties, and fix-and-flip projects, making Augusta a well-rounded market for long-term growth and reliable returns.

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Columbus

Columbus, GA, is a growing real estate market supported by its diverse economy and strategic location along the Chattahoochee River. Home to Fort Moore, one of the largest military installations in the U.S., the city experiences consistent housing demand from military personnel and their families. Expanding healthcare, manufacturing, and technology sectors further strengthen the local economy. With affordable property prices and opportunities in single-family rentals, multifamily investments, and fix-and-flip projects, Columbus offers a balanced and promising market for investors seeking steady growth and returns.