Chaparral Hard Money Lender

Chaparral Hard Money Lender

In the Chaparral 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. Chaparral 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.

Chaparral Hard Money Lender FAQ’S

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

What Do Chaparral Hard Money Lenders Specialize in?

Chaparral 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 Chaparral Hard Money Loans?

Chaparral 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 Chaparral Hard Money Lenders Look at my Credit Score?

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

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

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

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

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

Refinance a Chaparral 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 Chaparral 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 New Mexico: Hard money loans in New Mexico

Current Real Estate Trends In Chaparral (2024)

Chaparral’s housing market is stable and reasonably priced. The median listing home price stands at $290,000, with a median listing price per square foot of $136.

Although the median days on market has seen a slight rise compared to the previous month, it is still lower than the same period last year.

The average home value has experienced an 8.8% growth over the past year, suggesting an increase in property appreciation.

Factors such as population growth, property taxes, and the price to rent ratio influence the profitability of real estate investments in Chaparral. The area has a stable population growth and fair property tax rates, making it a good choice for real estate investors.

Chaparral offers reasonable housing options and a steady market for buyers and investors.

Average Home Value

The average home value in Chaparral, NM is currently $184,122, showing an 8.8% surge over the past year up till October 31, 2023.

This indicates that the housing market is looking good, with home values steadily going up.

The rise in average home value could be due to factors such as an increase in population and improvement in value of the property, which makes the area increasingly attractive to real estate investors and homebuyers alike.

Market Overview

The housing market in Chaparral, NM is well-represented by market data and statistics. In October 2023, the median listing home price was $290K, with a median listing price per square foot of $136. The median days on market is 54, which is slightly lower than the previous year, but has increased since last month. This data is useful for potential buyers and sellers in Chaparral, NM, as it can help them make informed decisions regarding the real estate market.

Real estate investing is a great way to build wealth and generate passive income. However, it is important to understand the risks associated with investing in real estate, as well as the potential rewards. Investors should research the local market, assess their own financial situation, and have a plan for their investments. With proper research and planning, real estate investing can be a great way to achieve long-term financial success.

Real Estate Investing Highlights

Investing in the housing market of Chaparral, NM provides an opportunity to gain financial wealth. To make educated investment choices, it is essential to be aware of the current real estate trends and highlights in Chaparral. Here are some things to keep in mind:

Location: Investors may have varying location advantages. For example, those looking for vacation rental properties might seek out areas that attract tourists and generate income.

Market analysis: Knowing the median sale to list ratio, the percent of sales over/under list price, and median days to pending will give investors an idea of the competition and demand in the market.

Buy and Hold technique: This long-term property ownership plan involves renting the property and potentially selling it when the market value increases. Factors such as property appreciation rate, population growth, property taxes, and price to rent ratio should be analyzed for profitability.

Critical factors: Property appreciation rate, population growth, property taxes, price to rent ratio, and median gross rent are all important to consider. A stable property value increase, a thriving population growth, reasonable property taxes, a favorable price to rent ratio, and a strong lease market can all lead to a successful investment.


All About Chaparral

Chaparral is situated in the southeast corner of Doña Ana County and the southwest corner of Otero County and provides a unique mixture of natural beauty and modern conveniences.

The Franklin Mountains provide a stunning backdrop to the town’s isolated location, and the Texas state line is its neighbor, with El Paso only 20 miles away.

The nearby White Sands Missile Range is perfect for exploring, while the Gadsden Independent School District offers exceptional education.

Chaparral has something for everyone, so let’s explore all this remarkable community has to offer.

Location and Geography

Chaparral is situated in the southeast corner of Doña Ana County and the southwest corner of Otero County, making it an isolated community with a unique atmosphere. It lies on the east side of the Franklin Mountains and is partitioned from the rest of Doña Ana County by the Texas state line.

The city is only 20 miles away from downtown El Paso and is even closer to the White Sands Missile Range, a major military installation, which is only 30 miles to the north.

A number of highways travel through Chaparral, such as NM 213, NM 404, and U.S. Route 54. NM 213, the War Highway, connects El Paso to White Sands Missile Range, while NM 404 runs east-west and links up Anthony, New Mexico, and Interstate 10. U.S. Route 54 lines the eastern border of Chaparral and reaches Dyer Street and the Patriot Freeway in El Paso.

Chaparral’s geography gives residents a sense of seclusion yet easy access to nearby areas. It is also part of the Gadsden Independent School District, providing educational options for its citizens.


Chaparral is home to several public schools and a high school that meet the educational needs of the community. Gadsden Independent School District is responsible for the schools in Chaparral, ensuring students get quality education. K-5 students can go to Chaparral Elementary School, Desert Trail Elementary School, Sunrise Elementary School, and Yucca Heights Elementary School. These schools offer a variety of programs and activities to enhance student learning.

Middle schoolers can go to Chaparral Middle School, which serves 6th-8th grades. Chaparral High School is the local high school and provides a comprehensive curriculum to help students get ready for college and career opportunities. The school emphasizes academic excellence and gives access to advanced placement courses and vocational programs.

In addition to public schools, Doña Ana Community College has a satellite campus in Chaparral, allowing residents to pursue higher education and gain useful skills.

Chaparral is dedicated to education and makes sure its residents have access to quality schools and educational opportunities. As for transportation, its location and links to major highways and airports make it easy to get to, for both visitors and locals.


Exploring Chaparral is an exciting experience, and getting around is easy. With its convenient access to major highways and nearby airports, navigating the area is a breeze. War Highway, or NM 213, connects Chaparral to El Paso and the White Sands Missile Range. NM 404 is an east-west highway that links Anthony, New Mexico to Interstate 10. U.S. Route 54 runs along Chaparral’s eastern border, joining Dyer Street and the Patriot Freeway in El Paso.

Those looking to go further can find commercial air and rail transportation in El Paso. The city offers plenty of options when it comes to air travel, making it a great choice for residents and visitors.

Chaparral is part of the Las Cruces Metropolitan Statistical Area and serves as a bedroom community for El Paso. Its proximity to the White Sands Missile Range and Fort Bliss makes it an attractive choice for military personnel.

In summary, Chaparral’s highways and nearby airports make it easy to get around. With its convenient location and easy access to transportation, the town is a great place to explore.

Town Highlights

Exploring the vibrant community of Chaparral will expose you to a range of noteworthy town highlights that celebrate its culture and accomplishments. A prominent example is Chaparral High School, which is highly regarded for its dedication to educational excellence and its array of extracurricular activities. This has created a strong sense of pride among its students and the local community.

Those seeking outdoor recreation can head to Dolores Wright Park, which provides a beautiful setting to relax and soak up nature. It has well-maintained trails, picnic areas, and playgrounds, making it a popular spot for families and individuals.

Sports fans will be delighted to know that Chaparral is home to the Chaparral Taekwondo Academy. This martial arts training center gives people the chance to learn self-defense techniques and boost their physical fitness.

Chaparral is also proud to have produced notable individuals who have made a big impact in their field. Willie D. Madrid, a representative from New Mexico, is from Chaparral, showing the community’s involvement in politics. Furthermore, Siddeeq Shabazz, a professional footballer, has brought fame to Chaparral through his athletic accomplishments.

It is worth mentioning that Chaparral’s proximity to the adjacent city of El Paso, Texas, and its convenient location for military personnel thanks to the White Sands Missile Range and Fort Bliss, further make it an attractive place to live.

Las Cruces Metropolitan Statistical Area

Chaparral’s inclusion in the Las Cruces Metropolitan Statistical Area adds to its appeal as a place to live, work, and raise a family. This designation highlights the town’s close proximity to the city of Las Cruces, the largest city in the region. Residents of Chaparral can enjoy the amenities and resources available in Las Cruces while still experiencing the unique charm of a smaller community.

Furthermore, the Las Cruces Metropolitan Statistical Area is industrious and offers a strong job market. The area is home to various industries, including agriculture, education, healthcare, and government. This provides locals with a wide range of employment opportunities without having to travel far from home.

Chaparral’s inclusion in this statistical area makes it a desirable bedroom community for the neighboring city of El Paso, Texas. Many of the town’s residents work in El Paso and choose to reside in Chaparral due to its more affordable housing options and quieter atmosphere.

In summary, the official inclusion of Chaparral in the Las Cruces Metropolitan Statistical Area contributes to the town’s desirability as a place to live, work, and raise a family.