đľ Fast And Easy Private & Hard Money Loans For đď¸ Investors
TAKES LESS THAN 60 SECONDS
Fix & Flip Loans
We lend funds for purchase and rehab costs for your investment properties. No appraisals(most of the time), No Tax Returns and No B.S. Itâs a collateral based loan. We lend private funds or can broker nationwide so itâs a very quick and flexible process.
Rental Property Loans
Do you have a rental property you need cash-out for rehab or other investment purposes. No appraisals(most of the time), No Tax Returns and No B.S. Itâs a collateral based loan. We lend private funds or can broker nationwide so itâs a very quick and flexible process.
Commercial & Multi-Family Loans
We lend on multi-family and most commercial property types. Closing time lines are usually less than 2 weeks. We can expedite our due-diligence and we lend private funds or can broker nationwide so itâs a very quick and flexible process.
Private & Hard Money Lenders
Evergrowth is a full service and self-funded private/hard money lending company and broker providing fast and flexible financing for residential and commercial investment real estate deals nationwide. We are currently lending privately in Utah and we broker all other deals nationwide.
TAKES LESS THAN 60 SECONDS
THE LENDING PROCESS
Evergrowth Makes The Lending Process Easy! Call Now 385-325-8821
FOLLOW THESE SIX EASY STEPS TO GET THROUGH THE LOAN PROCESSâŚ
âď¸ STEP ONE: APPLICATION:
Complete and submit the Initial Loan Application contained on this website. Once submitted, your Initial Application will be quickly reviewed by our pre-approval team and you will be told what loan terms can be offered in your particular situation. If appropriate, we will issue a Letter of Intent and/or Loan Commitment based upon the facts of your Initial Application. If you are not an appropriate candidate for a hard money loan, or we cannot help you, you will be told that immediately.
âď¸ STEP TWO: DOCUMENTS:
If you are preliminarily approved, we will ask you to provide additional information and documentation including, but not limited to, the following items:
*Copy of Sales Contract and any deposit check(s)
*Copy of Driverâs License
*Detailed list of proposed repairs and draw schedules, including material and labor costs and copies of any contractor estimates or contracts
*Copies of any appraisals or inspection reports of the Property; * If you are an entity borrower, you will need to provide copies of all your corporate documentation
*Addresses of any cross-collateral property, if any.
*Upon preliminary approval, you will be asked to pay for any 3rd party costs including; property valuations, credit reports, inspections, etc. The amount of this fee will be disclosed to you ahead of time
âď¸ STEP THREE: TITLE WORK:
Upon receipt of all documentation, title to the property will be ordered and examined and, if required, a valuation and/or property inspection will be ordered. The inspector will contact you directly to set up a day and time for inspection. Payment for the valuation and/or property inspection MUST be paid by at time of inspection and is NON-REFUNDABLE. You will be told the cost for these inspections at the time the appointment is set up with you.
âď¸ STEP FOUR: INSURANCE & CLOSING:
Assuming there are no appraisal, inspection or title issues, loan funds will be made available to you through a closing/settlement with a title company, AFTER you have provided evidence of General Liability Property Insurance in an amount equal to the total loan amount. If you are doing rehab work, you may be required to obtain a Builderâs Risk Policy, and if the work is being done by a contractor, he or she must provide a copy of their General Liability Insurance and Proof of Workmenâs Comp Insurance. You will be responsible for all closing and insurance costs. If you are in the negotiation process, we encourage you to get the Seller to contribute as much as possible toward closing costs. The lender will not care and it will keep your âinâ costs as low as possible.
âď¸ STEP FIVE: CONSTRUCTION/REHAB DRAWS:
If your hard money loan is a rehab/construction loan, you will most likely have to establish a construction escrow with the Lender. Our lenderâs generally require 3-4 draws. At each completion phase, you must call us to have a property inspection arranged. Once approval is obtained and/or mechanicâs lien waiver executed, the lender will release the draw. The final draw is NEVER released until the project is completed. You will be responsible for construction draw inspection fees, which generally range from $100.00 â $150.00. These fees must be paid either at time of inspection, or sometimes up-front at settlement.
âď¸ STEP SIX: SELL OR REFINANCE:
Within the pre-determined loan term, you must sell or refinance the property to make certain the lender receives a full payoff of his or her loan. If you planned and executed your acquisition and exit strategy appropriately, you should be walking away from the project with a big payday. You are welcome to use your pre-approval from your first successful deal to receive other loan commitments! Your approval process just got easier, as you no longer need to re-apply the next time you find your next âhotâ real estate deal. Evergrowth Makes Hard Money Work Hard For You! 385-325-8821
TAKES LESS THAN 60 SECONDS
ABOUT US
"In our careers we have personally closed over 600 transactions totaling $210MM+ in combined volume. We built Evergrowth as a platform for us to share creative strategies and solutions that help others achieve everlasting wealth and success. By helping others achieve their goals, we naturally achieve ours. We are savvy investors and are always open to reviewing deals and helping in any way that we can." -Brad and Patrice (Evergrowth)
Brad Heaps (Owner)
Hard Money Lender / Creative Deal Strategist / Investor / Mortgage Broker
I'm a Real Estate Financing specialist with a strong background as a mortgage broker and investor. My expertise lies in helping real estate investors secure the funding they need to grow and succeed. I bring a strategic and creative approach to every deal, ensuring the best possible outcomes for all parties involved. Outside of work, I enjoy watching sports, spending time with my dogs, and being with family.
Patrice Heaps (Co-Owner)
Hard Money Lender / Investor / Mortgage Broker
I'm a Mortgage Loan Originator with a strong background in customer service and a genuine passion for helping people. I understand that buying a home or investing in real estate ventures are some of the biggest decisions you'll ever make. Iâm here to make the process as smooth, clear, and stress-free as possible. My goal is to really listen and understand your needs. I care about building lasting relationships and making sure you feel supported and confident and your journey is a positive one. Outside of work, I enjoy spending time with family, traveling and doing DIY projects!
TAKES LESS THAN 60 SECONDS
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**Disclaimer/Disclosure**
Evergrowth Funding Solutions, LLC, a Utah limited liability company (aka âEvergrowth.usâ & âEvergrowthâ), herein referred to as âEFS,â which includes its owners, employees, agents, or affiliates, is a marketing and referral business operating the Evergrowth.us website(s) and related services (âservicesâ). You (âyouâ or âyourâ) are the user or prospective user of EFSâs services. By your use of the services, including the website(s), you acknowledge having read, understood, and agreed to this Disclaimer/Disclosure. EFS is NOT an attorney or law firm, financial advisor, certified public accountant, tax advisor, etc. EFS recommends you seek advice of licensed professionals, including but not limited to, those mentioned above before implementing or taking action on any advice, recommendations, or strategies provided by EFS or any referral partners thereof. EFS does not guarantee any results or outcomes. When you submit your personal information through any of EFSâs website(s), call their phone number(s), join any external groups or resources that they manage, submit your personal information through any of their advertisements on any other platform(s), you understand, agree, and give permission for your personal information to be be shared and/or sold to their connections, professional network, referral partners and you agree that EFS, their connections, professional network, its referral partners, and anyone else that they connect you to can subscribe you to receiving text messages, phone calls, emails, messages on social media platforms, and all other communication methods available. EFS is not responsible for any billed charges or advice provided by any referral partners, professionals or other resources with which you consult or from which you receive information. EFS may be compensated by the professionals, referral partners, and companies that EFS refers you to. EFS makes no representations about the suitability, reliability, availability, timeliness, and accuracy of its services, including the information contained on the website for any purpose.  Owners of Evergrowth Funding Solutions, LLC hold an active Mortgage license but they are not used on Evergrowth Funding Solutions, LLC’s transactions unless required by law. To the maximum extent permitted by applicable law, in no event shall EFS, be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever arising out of, or in any way connected with, your use of EFS services, whether based on contract, tort, negligence, strict liability or otherwise, even if EFS has been advised of the possibility of damages.