Hard Money Lenders Nevada

Hard Money Lenders Nevada
state flag of Nevada

Popular Cities For Lending in Nevada

North Las Vegas

Spring Valley
Summerlin South
Sunrise Manor

In the Nevada 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. Nevada 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.

Nevada Hard Money Lender FAQ’S

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

What Do Nevada Hard Money Lenders Specialize in?

Nevada 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 Nevada Hard Money Loans?

Nevada 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 Nevada Hard Money Lenders Look at my Credit Score?

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

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

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

There are many benefits to working with a Nevada 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 Nevada 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 Nevada, 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 Nevada?

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

Refinance a Nevada 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 Nevada 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 Nevada (2024)

The real estate market in Nevada, particularly in Clark County and Las Vegas, has been strong and advantageous for sellers. Despite a decrease in the number of house sales and median prices for single-family homes, condos, and townhomes, the market has experienced growth compared to prior years.

This rise can be attributed to the minimal supply of properties, which has encouraged competition among prospective buyers and caused residences to sell more quickly and spend less time on the market. The bustling job market in Las Vegas and its status as a popular tourist destination have also contributed to the rise of the housing market.

Although current mortgage rates may not be beneficial to sellers, other factors such as pending and closed sales, increasing prices, and a range of investment prospects have enabled the market to remain stable.

All in all, the latest real estate trends in Nevada point to potential growth and provide opportunities for both rental property and homeowner housing.

Sales Volume and Prices

The real estate landscape in Nevada is changing rapidly with a decrease in sales volume and median prices for single-family homes, condos, and townhomes. This suggests market dynamics are shifting, potentially due to factors such as inventory levels, buyer affordability, and the overall economy.

It is essential for buyers and sellers to stay informed about these trends to make educated decisions. Changes in the market should be taken into account when buying or selling a property. It is essential to consider the current market conditions and how they may affect the value of the property.

It is also important to research the local area to understand the factors that could impact the value of the property.

Inventory and Days on Market

The Las Vegas housing market continues to be tight, with just 3,052 single-family homes and 895 condos/townhomes available in April 2023. This is a decrease of 9.5% for single-family homes and 14.1% for condos/townhomes compared to April 2022. The median number of days single-family homes stayed on the market was 19, while the median for condos and townhomes was 17 days in April 2023. Low inventory and quick turnaround time are driving competition among buyers.

Investment Opportunities

The Las Vegas housing market continues to attract attention due to its strong job market, growing economy, and diverse housing options. This real estate market has shown great resilience and potential for growth, surpassing other U.S. housing markets.

Booming tourism and job opportunities make it a stable and profitable choice for investors. It is recommended to consult a local real estate agent for the most up-to-date information on investment opportunities in Las Vegas.



All About Nevada

Nevada, the seventh-largest state in the United States, is in the country’s western region. It shares borders with Oregon, Idaho, California, Arizona, and Utah, encompassing a length of 492 miles and a width of 322 miles.

The state has a population of approximately 3,104,614 as of 2020, making it the 32nd most populous state in the nation. Notably, Clark County, which includes cities like Las Vegas, is the most densely populated county.

Nevada’s historical association with silver and its economy have earned it the moniker of the Silver State. At the same time, its statehood origins during the Civil War have led to its nickname as the Battle Born State.

The state’s vast land is predominantly under the management of various federal government jurisdictions. It is characterized by the Great Basin, a region known for its desert and semi-arid climate.

Nevada’s economy thrives on tourism, mainly due to its legalized gambling and lenient marriage and divorce laws, with mining, notably gold production, also playing a significant role. The state faces challenges regarding water security due to its arid climate, but efforts are underway to manage and conserve water resources.

Nevada boasts a rich Native American heritage, with tribes like the Paiute, Shoshone, and Washoe preserving their cultural traditions. The state achieved statehood in 1864, with mining greatly influencing its development.


Nevada’s geography is characterized by its diverse topography. It ranges from the highest peak of Boundary Peak at 13,147 feet to the lowest point at the Colorado River, which stands at 481 feet.

The state is known for its unique natural features. The Great Basin covers a significant portion of Nevada and is largely desert and semi-arid. The southern part of the state is home to the Mojave Desert, while the stunning Lake Tahoe and the majestic Sierra Nevada mountain range mark the western edge.

These geographical features contribute to Nevada’s distinct landscape and offer various outdoor recreational opportunities.

Transitioning into the next section, Nevada’s population is as diverse as its geography.


With a population of 3,104,614 as of 2020, the state of Nevada ranks as the 32nd-most populous in the United States. The population density is 26.8/square miles, indicating that Nevada is not heavily populated compared to other states.

Clark County, which includes the cities of Las Vegas, Henderson, and North Las Vegas, is the most populated county in the state. Carson City, the capital of Nevada, is relatively small in terms of population.

The state’s population has grown steadily over the years, driven by factors such as job opportunities in the tourism and mining industries. Nevada’s population diversity includes Native American tribes and various ethnic groups.

Transitioning to the next section, Nevada’s population is reflected in the state’s diverse range of nicknames.

State Nicknames

One exciting aspect of Nevada’s identity is its collection of unique state nicknames. Nevada is commonly known as the Silver State due to its historical association with silver mining and its significant silver reserves.

Another nickname is the Battle Born State, highlighting that Nevada achieved statehood during the Civil War.

Additionally, Nevada is called the Sagebrush State, reflecting the abundance of sagebrush vegetation throughout the region. The state is also called the Sage-hen State, named after the sage-grouse, a bird species native to the area.

These nicknames showcase Nevada’s history, natural environment, and cultural heritage.

Moving forward, exploring Nevada’s land management practices is essential, which play a crucial role in the state’s development and preservation.

Land Management

Land management practices in Nevada significantly impact the state’s development, preservation, and natural resources. Approximately 86% of Nevada’s land is managed by various U.S. federal government jurisdictions, including civilian and military entities. This extensive land management involves the implementation of policies and regulations to ensure the responsible and sustainable use of resources, protection of wildlife habitats, and preservation of natural landscapes.

Nevada’s land management also plays a crucial role in the state’s tourism industry, as it oversees the management of iconic sites such as the Great Basin, the Mojave Desert, and Lake Tahoe. These efforts aim to balance economic development with environmental conservation.

Transitioning to the next section, the state’s rich Native American history is intertwined with the land management practices in Nevada.

Native American History

The region now known as Nevada has a rich history of Native American tribes, including the Paiute, Shoshone, and Washoe, who have inhabited the area for thousands of years.

These tribes have left a lasting impact on the region and have contributed to Nevada’s cultural heritage.

The Paiute people, for example, have a deep connection to the land and have traditionally relied on hunting, gathering, and fishing for their sustenance.

The Shoshone tribe, known for their expertise in horse breeding and trading, has also played a significant role in the history of Nevada.

The Washoe tribe, who primarily inhabited the Sierra Nevada region, have a rich tradition of basket weaving and are known for their intricate and beautiful craftsmanship.

These Native American tribes continue to preserve their cultural traditions and have a significant presence and influence in the state of Nevada.