Atlanta Hard Money Lender

Atlanta Hard Money Lender

In the Atlanta 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. Atlanta 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.

Atlanta Hard Money Lender FAQ’S

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

What Do Atlanta Hard Money Lenders Specialize in?

Atlanta 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 Atlanta Hard Money Loans?

Atlanta 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 Atlanta Hard Money Lenders Look at my Credit Score?

One of the greatest benefits of working with Atlanta 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 Atlanta even if you have bad credit or poor credit, bankruptcies, and foreclosures in the past. Atlanta Hard money lenders primarily care about the property you are purchasing.

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

Interest rates for hard money loans in Atlanta 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 Atlanta, 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 an Atlanta Hard Money Lender?

There are many benefits to working with an Atlanta 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 Atlanta 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 Atlanta, 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 Atlanta?

When you want a hard money loan in Atlanta, 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 Atlanta 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 an Atlanta Hard Money Loan?

Refinance an Atlanta 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 an Atlanta 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.

Here’s other cites we can help with in Georgia: Hard money loans in Georgia

Current Real Estate Trends In Atlanta (2024)

The real estate niche in Atlanta is showing a dynamic and robust character. Despite a dip in residential sales and housing stock, the median sales cost in July experienced a slight rise while the mean sales cost saw a more significant boost. Variations in pricing trends are impacted by economic factors, market demand, and inventory levels.

Forecasts point to Atlanta’s housing market continuing to be strong, with a potential increase of 7.2% in the coming year. This is mainly attributed to the city’s affordability relative to other areas and a thriving job market.

The city’s rental housing market is quickly recovering, with a record demand for apartments. Rent prices are changing across cities in the metro area, with Rome, Decatur, and Athens showing the highest growth rates.

Housing Market Trends

Atlanta’s housing market is in constant flux. According to the July 2023 Market Brief by FMLS, residential sales in July declined by 20.1% compared to the previous year. However, the median sales price in July increased by 0.1%, and the average sales price rose by 2.6%.

These fluctuations demonstrate the complexity of the market, which is affected by economic conditions, demand, and inventory levels. Consequently, it is critical to consider these trends when analyzing the supply and demand dynamics in the Atlanta housing market.

Supply and Demand

The housing market in Atlanta is intricately linked to supply and demand. The amount of homes for sale has a direct effect on buyer decisions and options.

As of July 2023, the total number of homes for sale in Atlanta was 4,966, a decrease of 0.6% from the previous year. The number of new listings dropped by 7.5% compared to the year prior, further shrinking the number of homes on the market.

This fall in supply has led to a fall in residential sales, which plummeted by 20.1% from the year before. These reductions in supply and sales suggest a tightening market and could mean increased competition among purchasers.

Market Forecast

Atlanta’s real estate market promises to be a promising one in the coming year, with a projected 7.2% increase. This encouraging outlook is supported by the city’s flourishing business environment, housing prices that remain lower than the national average, and continued population growth. Demand for housing has also been boosted by an influx of migrants and ever-growing population. With all of this in mind, buyers and sellers can make wise decisions and take advantage of the great opportunities that the Atlanta real estate market has to offer.

The current market forecast is one of optimism, and buyers and sellers can confidently move through the Atlanta real estate market with confidence. Prices remain relatively affordable compared to most other cities, businesses continue to flourish, and population growth is consistent. In addition, the influx of migrants and the surge in housing demand has helped to further strengthen the market forecast.

There are many factors that make the Atlanta real estate market a desirable one to invest in. Buyers and sellers should take advantage of the favorable climate and make informed decisions to ensure they make the most of the opportunities available. With a promising forecast for the upcoming year, buyers and sellers can look forward to a bright future in the Atlanta real estate market.


All About Atlanta

Atlanta, situated in Fulton County, displays its rolling hills, lush vegetation, and bustling urban landscape. This city of nearly 500,000 inhabitants is the eighth most populous in the Southeast and the 38th in the United States.

Marvel at the city’s diverse economy, which encompasses healthcare, finance, information technology, and film and television production. Atlanta’s transport system and infrastructure are top-notch, featuring the world’s busiest airport, Hartsfield-Jackson International Airport, and an extensive network of highways and railways.

As you explore Atlanta’s history, you will learn about its role as a railroad terminus and its involvement in the Civil War. It is worth noting that Atlanta was an important factor in the American Civil Rights Movement, nurturing notable figures like Martin Luther King Jr.

So, get ready to uncover the mysteries of Atlanta’s past, present, and future, as you explore all the wonders of this vibrant city.


Atlanta is a vibrant and bustling metropolis situated in the heart of Georgia. It is located in Fulton County, with a portion extending into DeKalb County, and is the capital and largest city of the state. According to the 2020 U.S. census, this city is home to 498,715 people, making it the eighth most populous city in the Southeast and the 38th most populous in the nation.

But Atlanta’s influence is much greater than its city limits, as the metropolitan area is home to over 6.2 million individuals, putting it among the largest metropolitan areas in the country.

The location of this city is characterized by its stunning topography. Nestled among the foothills of the Appalachian Mountains, it has an elevation of more than 1,000 feet above sea level. This results in rolling hills, lush greenery, and a thick urban tree coverage that enhances the city’s charm. The climate in Atlanta is humid subtropical, with hot summers and mild winters. It sees an average annual rainfall of 50 inches, which aids its lush landscape.

Though Atlanta’s location and topography have an impact on the climate, making it a great spot for those who love urban living and natural beauty, it’s important to note that the effects go beyond the weather. The city’s elevation is also great for those who enjoy outdoor activities like hiking and camping. The city’s mild winters are perfect for winter sports and activities. And, of course, the city’s lush tree cover provides shade and a great escape from the urban hustle and bustle. All of these factors make it an ideal place for both city-dwellers and nature-lovers alike.

Topography and Climate

Atlanta is nestled among the foothills of the Appalachian Mountains, offering a gorgeous landscape of rolling hills and lush greenery. The city’s topography is characterized by its stunning natural beauty, with dense urban tree coverage adding to its appeal. With an elevation over 1,000 feet, the city has breathtaking views and a distinct terrain.

Atlanta’s climate is humid subtropical, with hot summers and mild winters, making it an optimal destination for outdoor activities all year long. The city receives around 50 inches of rain annually, lending to its abundant greenery.

There are plenty of ways to take advantage of the great outdoors in Atlanta, from hiking and biking trails to parks and gardens. The city’s topography and climate have a great impact on its transportation network, which is essential for the city’s accessibility and growth.

Transportation and Infrastructure

Atlanta is home to Hartsfield-Jackson International Airport, the world’s busiest airport by passenger traffic. It offers flights to numerous destinations, making it an easy destination for travelers.

The city also has an extensive highway system, such as I-75 and I-85, which intersect in Atlanta and provide quick access to other states and cities.

Amtrak and MARTA (Metropolitan Atlanta Rapid Transit Authority) provide railway services, including a subway and bus system. This comprehensive transportation network makes it easy for people to move around Atlanta and its surroundings.

Atlanta is a major transportation hub and has shown its resilience in the face of various challenges. It is a significant historical city that continues to thrive.

Historical Significance

With a rich and storied past, Atlanta has had an immense influence on the nation’s history. Founded as the end of a state-sponsored railroad, the city quickly became a major transportation center, and many railroads were drawn to it. During the Civil War, Atlanta played an important role in the Confederacy, yet it was greatly harmed by General Sherman’s March to the Sea. However, after the war, Atlanta recovered and turned into a national industrial center.

Moreover, Atlanta was a critical organizer of the Civil Rights Movement. Notable figures such as Martin Luther King Jr. and Ralph David Abernathy originated from the city, and it saw numerous civil rights protests and demonstrations in the 1950s and 1960s. Atlanta played a decisive role in the fight for racial equality, bringing it to the attention of the whole country.

These momentous events marked the beginning of a new era of development and transformation in Atlanta’s history.

Civil Rights Movement

Atlanta made a huge contribution to the Civil Rights Movement, giving hope and inspiring individuals to fight for justice. Martin Luther King Jr. and Ralph David Abernathy were two of the most prominent civil rights activists to come from the city, leading the charge for civil rights.

Atlanta also saw numerous protests and demonstrations during the 1950s and 1960s, making it a key location for the movement.

The city was successful in achieving desegregation in public transportation, restaurants, movie theaters, and schools. This was a result of the hard work of civil rights activists and the African American community.

By 1970, African Americans had become the majority of Atlanta’s population, and this shift in demographics resulted in the election of Atlanta’s first Black mayor, Maynard Jackson.

Atlanta honors its role in the Civil Rights Movement through a number of historical sites and museums. The city’s efforts to promote racial equality serve as a reminder of the power of collective action and the ongoing battle for justice and equality.