NPA Equity Investments, LLC offers hard money loans, also known as private money loans, for all property types in Virginia, Maryland and the District of Columbia.  NPA is dedicated to working with our borrowers to reach their current short and long-term needs.  Our company makes lending decisions based on the individual merits of each loan request, not solely on an applicant’s past credit history or credit score.  As a real estate lender, any loan request that is backed by real property will be considered

At NPA, we provide various loan options for short sales, fix and flips, non-owner occupied properties, rehab loans, commercial loans, REO purchases, trustee sales, cash out refinances, business investment properties, construction or land loans and more. We fund hard money loans within with competitive rates and terms.

What is a Hard Money Loan?

Loans provided by private individuals and secured by real estate are considered hard money loans.  When considering whether to accept a loan request, we require the borrower to provide real property as collateral to secure the loan. The hard money loan serves as our interest in the property. The interest we take on your property in exchange for the loan is known as a lien, which allows us to acquire the property in the event the borrower fails to satisfy the terms as agreed to in the loan documents.

Borrower Considerations

In making loan decisions, we review credit reports even though credit scores do not often have a major impact on loan approval. In evaluating a transaction, we must determine that you will have the ability to repay the loan in a timely manner. Bankruptcies and previous defaults are not an automatic bar to loan approval, but are things we review and consider in loan rate and term.

We are also strict in our repayment terms. We are taking a risk in lending funds to borrowers and we demand that borrowers fulfill their end of the bargain by making payments on time and in the proper amount. We do not waive late fees and will follow our loan documents to the letter. Because of this, it is important that the borrower make an honest assessment of their situation and the transaction they are considering.

Types of Loans Available

We are willing to consider various options for financing. We are able to provide conventional and interest only loans. With interest only loans, we often will provide extensions at the conclusion of the loan term.

We often require that our loans have first position with regards to the collateral, however, if multiple properties are involved, we will consider taking second position. This depends on the value of the properties in question as well as the loan balance currently outstanding.

View all of the accepted loan types →