Hard Money Lenders Colorado

Hard Money Lenders Colorado
state flag of Colorado

Popular Cities For Lending in Colorado

Fort Collins
Highlands Ranch


In the Colorado real estate market, grabbing properties before your competition is essential for making the best deals. Although real estate investors sometimes go the traditional route and seek bank loans, the process is anything but speedy.

When time is of the essence, waiting for the lengthy process of getting approval is not an option for most investors. Colorado hard money lenders specialize in providing hard money loans which provide quick funds to investors. These loans are for a non owner occupied property or in some cases for business purpose loans.

Colorado Hard Money Lender FAQ’S

Below are some of the most frequently asked questions we get regarding hard money loans and lenders in Colorado.

What Do Colorado Hard Money Lenders Specialize in?

Colorado hard money lenders specialize in providing short-term, creative financing for real estate investors. If you seek a conventional lender to purchase an investment property, your loan request will be based on the property’s value and your assets. Your credit score, job, and finances will be scrutinized intensely.  Hard money lenders base their final loan decisions on the after-repair value. The ARV represents the potential value of a property after all repairs have been accomplished. 

What are the Benefits of Colorado Hard Money Loans?

Colorado hard money loans offer advantages that traditional banks cannot. Lenders like Acamnet Financial offer a higher level of flexibility than banks.  When qualifying for this type of loan, lenders do not delve too deeply into the finances of real estate investors. In most cases, simply present the property and your plans, which saves you the hassle of gathering countless financial documents.

Do Colorado Hard Money Lenders Look at my Credit Score?

One of the greatest benefits of working with Colorado hard money lenders is the lack of credit score requirements. One of the first things a bank does is check your credit score.  You can get approved for a hard money loan in Colorado even if you have bad credit or poor credit, bankruptcies, and foreclosures in the past. Colorado Hard money lenders primarily care about the property you are purchasing.

What is the Interest Rate & Points for Hard Money Loans in Colorado?

Interest rates for hard money loans in Colorado are typically higher than traditional bank loans (conventional loans) because of the greater risk lenders must take on when approving loans. When searching for a hard money lender near me in Colorado, you will find average interest rate is between 8%-15%.  You should also be aware that lenders sometimes charge points that are meant to offset their administrative costs. Each point represents 1% of the total loan amount.  The average points lenders charge is between 1 to 3. Some lenders may charge up to 10 points. These points are due upfront or at closing, depending on the lender.

What Should I Look for in a Colorado Hard Money Lender?

There are many benefits to working with a Colorado hard money lender.  You just need to make sure you are working with the right lender.  You can rely on Acamnet Financial Group when you need us most.  We offer reliability, consistency, experience, and support.  As a real estate investor, you know the importance of grabbing the best property deals when they become available. 

How can Hard Money Lenders in Colorado Help Me?

Whether you are new to real estate and real estate projects or an old pro, you know having the capital to purchase real estate is essential. Without funds, you will miss out on real estate transactions.  When you partner with hard money lenders in Colorado, you will quickly get the money you need without jumping through the hoops of traditional bank lenders.

How do I get a Hard Money Loan in Colorado?

When you want a hard money loan in Colorado, begin by preparing the property information. Location, size, purchase price, after repair value, repair costs, etc.  In most cases, the financing will be based on these numbers.  Then, apply for a hard money loan in Colorado using this information and supply some financial information.  Then, an appraisal will be ordered to assess the loan-to-value ratio, which will influence the loan amount.

How do I Refinance a Colorado Hard Money Loan?

Refinance a Colorado hard money loan will involve moving from a high interest, short term loan to a longer term, usually lower interest rate loan. Typically a conventional type of loan.  When refinancing a Colorado hard money loan you will find it will have a more stringent set of guidelines.  You will need to have sufficient credit and income qualifications.  As the lending landscaping and regulations constantly change, you want to consult a knowledgeable conventional loan expert.

Current Real Estate Trends In Colorado (2024)

The real estate market in Colorado has undergone drastic transformations and trends in recent years. This article will analyze the current state of the real estate industry, focusing on increasing home prices, increased demand for rentals, and the effect on buyers, sellers, and investors.

This study aims to give a data-driven and analytical examination of the real estate trends in Colorado, free from personal bias or subjective guesses. By looking at relevant data and facts, this article wants to offer an objective outlook on the present dynamics of the Colorado real estate market.

This analysis will be helpful for people wanting to comprehend the factors impacting the state’s real estate market and making well-thought-out decisions regarding buying, selling, or investing in properties in Colorado.

Rising Home Prices in Colorado

The demand for housing in Colorado has led to a notable rise in home prices across the state. Recent data shows that the median home price has jumped by 10% in the past year.

This could be due to several reasons, including a robust economy, low unemployment rates, and a limited housing supply.

This has created a challenging situation for many potential homebuyers, making the market highly competitive.

Increasing Demand for Rentals

Colorado’s rental market is seeing an influx of demand, signaling a shift in preference among residents towards renting instead of buying a home. This can be attributed to multiple factors, such as increasing housing prices and stricter lending rules.

Data shows that the vacancy rate for rental properties in Colorado has dropped while rental prices have risen. This shows the strong demand and competition in the rental market, making it a desirable option for many people.

Impact on Buyers, Sellers, and Investors

Analyzing Colorado’s housing market, it is possible to observe the impact of changes in purchasing patterns, market dynamics, and investment strategies on buyers, sellers, and investors. One way to gain insight into this is to review the following table:






















This data-driven analysis can help stakeholders make informed decisions based on the current trends in the real estate market. Through examining the table, it is clear that pricing, inventory, rental, ROI, and market factors all affect buyers, sellers, and investors. With this information, stakeholders can make more informed decisions that will benefit all involved.



All About Colorado

Colorado is a state in the Mountain West region of the United States. With a population of around 5.8 million, it belongs to the southwestern states. Its land has been home to Native Americans and their ancestors for ages, playing a significant role in the migration and dissemination of early peoples in the Americas.

Colorado boasts a diverse economy, with key sectors such as government and defense, mining, farming, tourism, and manufacturing. The abundance of natural resources and picturesque locations, such as mountains, national parks, and outdoor recreational activities, lure many worldwide.

Denver, the biggest city and capital, is trailed by Colorado Springs. In 1876, Colorado became the 38th state to join the Union and is often referred to as the Centennial State.

This article will explore the geography, population, history, economy, and landmarks of Colorado as well as its natural features.


Colorado boasts a captivating landscape, boasting majestic peaks, lush forests, awe-inspiring canyons, and immeasurable high plains.

The Southern Rocky Mountains occupy the state’s western portion, granting awe-inspiring sights and countless chances for adventuring outdoors.

The northeast is part of the Colorado Plateau, renowned for its peculiar rock formations and mesas.

The Great Plains stretch into the state’s eastern border, offering sweeping grasslands and agricultural possibilities.

The various rivers in Colorado, such as the Colorado River, traverse the state’s rugged gorges.

Colorado’s varying and remarkable geography lays the groundwork for the state’s colorful people and abundant past.


The state’s estimated population on July 1, 2022, is 5,839,926, making it the twenty-first most populated state in the U.S.

Colorado has experienced a growth of 1.15% since the 2020 United States census.

With a density of 56.25/square miles (21.72/km), the state is part of the southwestern United States.

Colorado’s population is diverse and includes various ethnic and cultural backgrounds.

Reasons for the state’s population growth include job opportunities, quality of life, and natural beauty.

Examining the population dynamics of Colorado is essential in learning about the state’s history and development.

Population growth has exerted a substantial influence on Colorado’s past and present.


Native Americans and their progenitors have lived in the area now known as Colorado for at least 13,500 years. The Ancient Pueblo people made their homes in the valleys and mesas of the Colorado Plateau. In contrast, other tribes, such as the Ute Nation and others, took up residence in the mountain valleys of the Southern and Western Rocky Mountains. The Apache and Comanche tribes also were seen in the Eastern and Southeastern parts of the state.

Colorado had an influential part to play in the migration and dispersion of early populations throughout the Americas, with the eastern edge of the Rocky Mountains offering a movement path. In 1848, this region was brought into the United States with the Treaty of Guadalupe Hidalgo. The Pikes Peak Gold Rush of 1858-1862 brought a deluge of settlers.

Turning to the economy, significant parts of Colorado’s economy comprise government and defense, mining, horticulture, tourism, and fabrication.


Colorado’s economy is a testament to its versatility, boasting a wide range of industries that have helped the state remain resilient in the face of changing times.

The government and defense sector is a substantial presence, boasting various military installations and defense contractors that have helped promote employment and economic security.

Due to abundant natural resources such as coal, gold, and silver, mining is also a prominent industry in Colorado.

Livestock, dairy products, and crops such as corn, wheat, and hay are among the agricultural offerings from the state.

Tourism is also an integral part of the economy, as people flock to Colorado’s stunning mountains, national parks, and outdoor recreational activities.

Manufacturing is an equally important contributor, producing aerospace equipment, electronics, and food products.

Finally, Colorado’s economy and natural beauty intertwine beautifully, showing the world the state’s unique and special qualities.

Landmarks and Natural Features

Colorado is home to some remarkable landmarks and natural features, including the majestic Cliff Palace of Mesa Verde and the ancient Great Kiva at Chimney Rock.

This renowned cliff dwelling, built by the Ancient Pueblo people, offers a captivating look into the lives of Native Americans who resided here centuries ago.

Situated atop a striking sandstone formation, the Great Kiva at Chimney Rock is an archaeological site that the ancestors of the Pueblo people once utilized for ceremonial purposes.

These two landmarks are a testament to Colorado’s vibrant history and culture. Visitors are invited to explore and appreciate these remarkable sites, allowing them to discover the secrets of the past.