Hard Money Loans in Whatcom County, Washington
Funding local real estate investors, flippers, and developers with same-week approvals and transparent terms.
Your Local Washington Private Lending Partner
At LoiNow, we provide asset-based lending solutions for real estate investors throughout Whatcom County, including Bellingham, Lynden, Ferndale, and Blaine. Whether you’re financing a fix and flip, rental acquisition, or new construction, our loans are structured for speed, simplicity, and flexibility not red tape.
Experience You Can Trust:
- 1,000+ funded projects across Washington
- Trusted by investors, brokers, and developers
- Local underwriting with real-world property experience
How to Qualify?
- A property under contract or owned
- A clear exit strategy (sale or refinance)
- Basic borrower info (LLC or personal)
Property Types Eligible
- Single-family homes
- Multifamily units (2–20 doors)
- Mixed-use properties
- Commercial buildings
- Lots for new construction
Local Market Insights
- Bellingham – Fix & Flip hot spot near downtown
- Ferndale – New construction and multifamily
- Lynden – Long-term rental opportunities
- Blaine – Waterfront and vacation rehabs
How the Process Works
Submit Deal Scenario
Same-Day Soft Terms Issued
Fast Closing
Benefits over Traditional Banking
Speed 5–10 days
Minimal Documentation
Flexibility
Appraisal Often waived
No Income Docs Required
Why Real Estate Investors in Whatcom County Choose LoiNow
Fast Approvals: Close in 5–10 business days. We understand timing is everything in real estate.
No Income Docs or Minimum Credit: We base approvals on collateral value, not personal income or credit.
Local Expertise: We know Whatcom County’s zoning, renovation trends, and resale market—from downtown Bellingham multifamily units to Ferndale single-family rehabs.
Competitive Loan Terms:
- Loan amounts: $100K – $5M+
- LTV up to 75%
- Terms: 6–18 months
- Interest-only payments
FAQs
Most loans close within 5 to 10 business days after submission of property details.
No, LoiNow performs internal evaluations based on the property’s current and ARV value.
We lend primarily on the property’s value and exit strategy, not your credit.
Ready to fund your Whatcom investment?
Fast approvals. No income docs. Same-day term sheets.