Fernley Hard Money Lender

Fernley Hard Money Lender

In the Fernley 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. Fernley 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.

Fernley Hard Money Lender FAQ’S

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

What Do Fernley Hard Money Lenders Specialize in?

Fernley 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 Fernley Hard Money Loans?

Fernley 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 Fernley Hard Money Lenders Look at my Credit Score?

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

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

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

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

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

Refinance a Fernley 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 Fernley 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 Nevada: Hard money lender Nevada

Current Real Estate Trends In Fernley (2024)

The real estate market in Fernley, Nevada has a combination of ups and downs. Data shows that the average home value in Fernley is $368,736, with a decrease of 7.5% over the past year. The median listing home price is $408,000, and the price per square foot is $225.

At this moment, there are 203 homes available for sale in Fernley, ranging from $32,500 to $4.2 million. The market is balanced, with an equal amount of buyers and sellers.

On average, homes in Fernley take 57 days to sell, with a median of 16 days to become pending. The short-term forecast may not be positive, but there is an expectation of long-term growth in home values, with a predicted value of $258,994 by 2028.

Fernley, NV is an attractive place to invest in real estate, with chances of making a profit and eventually seeing appreciation in the value of the property.

Home Values

The median home value in Fernley, NV is currently $368,736, showing a 7.5% decrease from the previous year.

The median listing home price is $408,000, demonstrating a slight drop in home values compared to the previous year.

It is important to note that the median listing home price may not necessarily be the same as the actual sale price of homes in Fernley. However, it gives a general idea of the present market conditions.

To gain a better understanding of the trends and factors influencing the real estate market in Fernley, NV, let us review the market overview.

Market Overview

Amid the ever-changing property market in Fernley, an analysis of the current state provides useful information for both buyers and sellers. It provides a one-year market projection, the median sale to list ratio, and the ratio of sales over or under the list price.

It also highlights the median days to pending, which is a significant marker of market activity. Fernley’s market is currently balanced, with the supply and demand of homes nearly equal. On average, homes in Fernley sell in 57 days, which is slightly less than the previous year.

This data is essential in assessing the real estate investment potential of Fernley, taking into account its market dynamics and trends.

Real Estate Investment Potential

Investigating the investment prospects of the dynamic real estate market of Fernley City reveals encouraging chances for potential buyers and sellers. Current trends in Fernley demonstrate a dependable rise in home values.

The median home worth in Fernley City is $236,982 USD and may not offer a positive short-term investment outlook. Despite this, it can still be a successful property investment opportunity for flipping, with a long-term increase predicted.

It is estimated that the median home cost in Fernley City will reach $258,994 USD by 2028. Additionally, the average per square foot rate in Fernley City is $132 USD.

With an even market and an average of 57 days on the market, Fernley presents openings for buyers and sellers in the real estate market.



All About Fernley

Welcome to Fernley, Nevada – a city with a vibrant history, diverse attractions and a booming economy. Located just outside the Reno-Sparks area, Fernley has seen tremendous growth and development over the years. What was once an agricultural town has grown into a bustling community with a variety of industries and opportunities.

The Nevada Cement Company plant, which opened in 1965, was a major contributor to the city’s growth. Subsequent to that, Amazon.com’s order fulfillment center opened in 1999, bringing more businesses like Trex Inc. and UPS Worldwide Logistics to the area. This resulted in the city being officially incorporated in 2001, with a range of amenities and services made available to residents.

Fernley High School is a notable part of the city, providing educational programs and a plethora of athletic facilities. The Northern Nevada Veteran Cemetery is also found in Fernley, honoring those who have served in the military.


Incorporated in 2001, Fernley has a long history of industrial growth. It is home to Fernley High School (FHS), which is noted as one of the finest schools in Lyon County. FHS offers a range of programs, including AP, honors, and engineering programs, as well as various athletic programs, centers, and clubs. The school boasts facilities such as football, baseball, and track and field fields, an indoor basketball arena, gymnasium, and fitness center. Additionally, FHS provides meal programs, cafeteria, and catering options.

In 1999, Amazon.com’s order fulfillment center opened in Fernley, bringing thousands of jobs and a thriving economy to the town. Other companies, such as Trex Inc., Allied Signal, and UPS Worldwide Logistics, have also established businesses in the industrial park.

History and Growth

Since the 1960s, Fernley has undergone a significant transformation. It has shifted from being primarily an agricultural area to becoming a thriving industrial center. This change has been driven by the establishment of major companies such as Amazon.com, which have encouraged continued growth and expansion.

In 1965, the Nevada Cement Company opened a plant in Fernley, marking a turning point in the town’s economic landscape. This move shifted the primary source of employment from farming to industry and commuting. As the population increased, housing subdivisions were constructed to meet the growing demand from new residents. This made Fernley an attractive option for those seeking affordable living compared to the nearby Reno-Sparks area.

A major milestone in Fernley’s progress occurred in 1999 with the opening of a large order fulfillment center by Amazon.com. This facility, which was previously owned by Stanley Works, underwent significant redesign and expansion to meet the specific needs of Amazon. The arrival of Amazon.com, along with other companies like Trex Inc., Allied Signal, and UPS Worldwide Logistics in the industrial park, brought thousands of new jobs and greatly contributed to the local economy.

On July 1, 2001, Fernley was officially incorporated as a city, solidifying its status as an important part of Nevada’s industrial landscape. Fernley High School, known for its excellent educational programs and extensive sports facilities, attracts students from all over the world and further contributes to the town’s growth.

It is crucial to recognize the impact that Amazon.com has had on Fernley’s transformation. The presence of this company has played a pivotal role in the town’s progress, providing employment opportunities and fostering a prosperous and vibrant atmosphere.

Economic Influence of Amazon

The economic impact of Amazon.com in Fernley has been extraordinary. When the company opened its large order fulfillment center in 1999, it not only repurposed the facility previously used by Stanley Works but also expanded its capacity. This investment brought in thousands of new jobs, from warehouse workers to administrative staff, providing a huge boost to the local employment rate.

In addition, Amazon.com’s presence attracted other companies such as Trex Inc., Allied Signal, and UPS Worldwide Logistics to set up facilities in the industrial park, further contributing to the growth of Fernley’s economy.

The economic influence of Amazon.com in Fernley went far beyond job creation. The increased economic activity generated by the company brought more money into the local community. This, in turn, greatly benefited local businesses, such as restaurants, shops, and service providers, as the employees and visitors to the fulfillment center spent in the area.

The overall boost to the local economy resulted in increased tax revenue for the city, allowing for much-needed improvements in infrastructure, public services, and education.

The economic influence of Amazon.com in Fernley set the foundation for the city’s incorporation on July 1, 2001.

Incorporation of Fernley

Strolling through the streets, one can witness the birth of a city that stands as a testament to growth and progress. On July 1, 2001, Fernley officially became a city, a notable milestone in its history. The town shifted from agriculture to industry and commuting, attracting people seeking an alternative to the expensive housing market in the Reno-Sparks area. With its new status as a city, Fernley was able to focus on further development and improvements.

The establishment of Fernley High School was a significant part of this growth. It has become one of the best schools in Lyon County and offers a range of educational programs, such as AP, honors, and engineering courses. Extensive athletic programs, program centers, and student clubs have also contributed to its success.

Fernley High School has become a cornerstone of the community. Its facilities include a football stadium, baseball field, track and field, indoor basketball arena, gymnasium, and fitness center. Going beyond its educational offerings, the school plays an important role in shaping the town’s identity and fostering a sense of community pride.

Fernley High School

Fernley High School has become a pillar of the community, renowned for its cutting-edge facilities and diverse educational offerings. Situated off US 95A on the south side of the city, the school has plenty to offer young minds.

Students can take advantage of a variety of courses, including Advanced Placement (AP), honors, and engineering programs. These allow them to push themselves academically and get ready for college and their future careers.

Fernley High School also provides vocational college-level education, giving students the chance to gain hands-on experience in various fields.

Apart from its academic offerings, the school boasts fantastic sports venues. There is a football stadium, a baseball field, a track and field, an indoor basketball arena, a gymnasium, and a fitness center. These not only support the school’s athletics, but also present students with a place to stay active and healthy.

Fernley High School takes pride in its extensive extracurricular activities, like student clubs and program centers. These provide students with the opportunity to explore their interests, hone their leadership skills, and form lasting friendships.