FAQ
Hard Money Loan Questions, Answered
Straight answers about where Brey Lending lends, who we lend to, our loans and how fast we close. Don't see your question? Call (470) 470-9894.
Where we lend
Where does Brey Lending lend?
Throughout Georgia with focus on the 21 metro Atlanta counties. See every county and city we serve.
Do you lend on properties in the city of Atlanta?
Yes. The city of Atlanta sits mostly in Fulton County, with a portion in DeKalb, and both are core markets for us.
Do you lend outside these 21 counties?
We focus on these 21 counties. If your property is nearby but outside the list, call (470) 470-9894 and we'll tell you quickly whether we can help.
Who we lend to
Who can borrow from Brey Lending?
Real estate investors, fix and flippers and wholesalers buying or holding non-owner-occupied residential property in Georgia.
Do you make owner-occupied mortgages?
No. Our loans are business-purpose loans on non-owner-occupied residential property. Your primary residence is outside the scope of our lending.
Do I need to be an experienced investor?
Relevant borrower experience is one of the things we review, along with the property, your equity, your rehab plan and your exit. Call us to talk through your situation.
Our loans
What types of loans do you offer?
Fix and flip loans, bridge and gap loans, EMD and double-close funding, and capital partnerships for larger or repeat projects. Compare our loan programs.
How long are your loans?
Short-term, first-position business loans of 3 to 12 months.
What are your rates and loan-to-value limits?
We don't publish rates or leverage, because they depend on the property and the deal. We explain pricing, fees and requirements early, and our fees don't change during the process.
Does my property need to be owned free and clear for a bridge loan?
No. Existing debt affects the structure and proceeds, and we review the current loan balance, title and whether our loan can be in first position.
Process and timing
How soon will I hear back?
We reply to general inquiries and pre-approval requests within 24 hours.
How fast can you close?
Typically in 3 to 5 days once your documents and title are ready.
What should I send to get started?
Your property address, exit strategy, target closing date and current photos or video. You do not need a complete loan package for the first conversation.
How do I apply?
Pre-apply online or call (470) 470-9894. See how the process works.
Working with Brey Lending
How is a private lender different from a bank?
A private lender like Brey Lending decides locally and focuses on the property, your equity and your exit. Many institutional lenders route files through several departments and committees, which can add time and change terms. See the full comparison.
Who will I be working with?
A local decision-maker you can reach directly by phone, text, email or scheduled call.
What is the Platinum program?
Ask us about our Platinum program and whether you qualify.
Still have a question?
Lending throughout Georgia with focus on the 21 metro Atlanta counties. See the areas we serve.