Hard Money Lenders in the Mountain West

Direct private money for fix-and-flip, bridge, and construction loans across Utah, Colorado, Montana, Wyoming, Idaho, Arizona, Nevada, and Texas. We answer the phone.

Hard money loans for the way real investors work.

These four programs cover most fix and flip, rental, bridge, and construction deals we see every day.

Rehab Capital for High-Velocity Flips

Rehab capital for investors flipping single-family, small multi, and value-add deals. Funded on the property — not your tax return.

Up to 90% of purchase + 100% of rehab

12-month term, interest-only

Close in 7–10 days when title cooperates

Scale Your Portfolio on Rental Math, Not Your W-2

Long-term financing qualified on the rent — not your W-2. Built for landlords scaling SFR, small multi, and short-term rentals.

30-year fixed options available

No tax returns, no W-2s, no DTI

STR friendly — Airbnb income counts

Bridge

Fast capital when timing matters. Buy before you sell, refi out of a hard deadline, or unlock equity for the next move.

Residential, commercial & land

12–24 month terms

Real-estate-secured — no income docs

Ground-Up Construction

Lot-to-finish capital for builders and infill developers. Draw schedules that match how your crew actually works.

Lot + vertical in one loan

Experienced builders preferred

Mountain West & resort markets

Got land, commercial, or a weirder deal? Explore all our hard money loan options.

From Submitted Deal to Wired Funds—Without the Runaround.

No call centers. No mystery pricing. You talk to the same people who underwrite and approve your loan, start to finish.

01 The 5-Minute Intake

Send the address, purchase price, rehab budget and exit. A short form or a phone call — whatever’s faster for you.

02 Term sheet in 24 hours

A real underwriter (not a bot) pressure-tests your numbers. You get rate, leverage, and points in writing—usually inside 24 hours.

03 Appraisal & docs

We order the appraisal, pull title, and tee up the docs. You handle the deal. We don’t ask twice for things you already sent.

04 Close & fund

Title closes. Funds wire. Most fix & flip files close inside 7–10 days. Bridge files have closed in 5 when the title work was clean.

A Real Lender. Real Underwriting. Real Follow-Through.

We’ve seen thousands of deals across the Mountain West. We know which ones close, which ones drift, and which ones never should’ve been started. That’s the difference you’re paying for.

16+ years in the West

Park City roots. We’ve funded through 2008, COVID, and the rate spike. Cycles don’t surprise us.

Capital that closes

In-house decisioning. No syndication delays. When we say funded, the wire follows.

Speed with judgment

Fast is good — only if the logic is sound. We pressure-test the deal so you don’t get a yes that turns into a no at the closing table.

Mountain West specialists

Resort towns, secondary markets, rural acreage—the deals national lenders fumble. We know these comps because we live in them.

No-surprise pricing

Term sheet rate is the closing rate. Points don’t drift. Junk fees don’t appear on day 9.

Talk to a human

No bots. No 48-hour callback queue. The person who answers the phone is the person who works the file.

Funded across the West

$ 0 B+

Lending experience

0 yrs

States served

Typical close timeline

0 -10days

The kind of reviews you can actually verify.

Real investors, real deals, real outcomes. Pulled from Google reviews and direct borrower follow-ups.

“Our bank stalled for three weeks. HWL had a term sheet the next morning and funded in eight days. They got the project — they didn’t need it explained twice.”

Megan R. · Fix & flip · Salt Lake City, UT

“They actually understand resort-market comps. Two other lenders couldn’t make sense of the appraisal — HWL underwrote it in a day and funded the bridge.”

David K. · Bridge · Park City, UT

“I run a portfolio of short-term rentals. The DSCR program is the only one that actually treats Airbnb income like real income. Closed three properties with them.”

Travis M. · DSCR · Coeur d’Alene, ID

Real deals. Real wires. Real borrowers.

A snapshot of what closed across the Mountain West this quarter. The brochure version of underwriting we’d already do anyway.

Fix & Flip

Single-family rehab · Boise, ID

Distressed pickup in a transitioning neighborhood. Funded purchase + full rehab in 9 days.

Loan

$385K

LTC

88%

Close

9 days

DSCR

STR portfolio refi · Park City, UT

Cash-out refi against three short-term rentals. Qualified on Airbnb income. 30-year fixed.

Loan

$1.4M

LTV

70%

Term

30 yr

Bridge

Commercial bridge · Bozeman, MT

Buyer needed to close before bank financing was ready. Bridge took out the cash, refi’d 6 months later.

Loan

$2.1M

LTV

62%

Close

5 days

Built for the Mountain West.

We fund deals across ten states — and we know each market on the ground. Click your state for local programs, terms, and recent closes.

Straight answers to the questions investors actually ask.

If yours isn’t here, call us. We’d rather have a five-minute conversation than a five-day email chain.

How fast can High West Lending actually close?

Most fix & flip and bridge files close in 7–10 business days from a complete submission. We’ve closed clean bridge deals in five. The bottleneck is almost always title, appraisal, or borrower docs — not us.

What credit score do I need?

For asset-based programs (fix & flip, bridge), credit is one input — not the gate. We look harder at the deal: purchase price, comps, rehab scope, exit. Most borrowers we fund are 660+, but we’ve closed strong deals well below that.

Do you require tax returns or W-2s?

For DSCR rentals, no — the property’s rent qualifies the loan. For fix & flip and bridge, no income docs in the traditional sense. We verify experience, liquidity for the project, and the deal itself.

What states do you lend in?

Utah, Colorado, Idaho, Wyoming, Montana, Arizona, Texas, Oregon, and Washington. If you’re outside that list with a strong deal, call — we may still be able to help via a partner.

What does pricing look like?

Rates and points depend on the program, leverage, and deal quality. A typical fix & flip pencils in the 9–11% range with 1.5–3 points; DSCR rentals run closer to conventional. You’ll see exact numbers on your term sheet — and the term sheet rate is the closing rate.

Are short-term rentals (Airbnb, VRBO) eligible for DSCR?

Yes. We use actual STR income — backed by a 12-month operating history or a market rent analysis — to qualify the loan. Resort-market STRs are part of why HWL exists.

What's the minimum and maximum loan size?

Minimums start around $100K. Maximums depend on program and asset type — we’ve funded individual files past $5M. For larger or unusual deals, talk to us before you submit; structure matters.

Got a deal? Let's pencil it.

Send the basics. A real underwriter will look at it and reply with a term sheet — usually inside one business day. No spam funnel. No drip campaign. Just an answer.

Prefer to talk?

By submitting you agree to be contacted about your inquiry. We don’t sell your info — that’s not the business.

Private money lending from people who know Western real estate.
16 years. 500+ funded deals. We answer the phone.

Hard Money Lenders in the Mountain West

Hard money loans for the way real investors work.

Rehab Capital for High-Velocity Flips

Scale Your Portfolio on Rental Math, Not Your W-2

Bridge

Ground-Up Construction

From Submitted Deal to Wired Funds—Without the Runaround.

01

The 5-Minute Intake

02

Term sheet in 24 hours

03

Appraisal & docs

04

Close & fund

A Real Lender. Real Underwriting. Real Follow-Through.

16+ years in the West

Capital that closes

Speed with judgment

Mountain West specialists

No-surprise pricing

Talk to a human

The kind of reviews you can actually verify.

Real deals. Real wires. Real borrowers.

Fix & Flip

Single-family rehab · Boise, ID

Loan

LTC

Close

DSCR

STR portfolio refi · Park City, UT

Loan

LTV

Term

Bridge

Commercial bridge · Bozeman, MT

Loan

LTV

Close

Built for the Mountain West.

Straight answers to the questions investors actually ask.

Got a deal? Let's pencil it.

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