How It Works
How Our Georgia Hard Money Loan Process Works
Simple process No application. No appraisal needed. Start by sharing your deal details with Jim.
Send the deal
Share the address, current condition photos, purchase price, requested amount, expected closing date (COE), exit strategy, expected loan duration, and borrower’s credit score. Add a rehab budget if the deal involves renovations.
Review it with Jim
We review the property and proposed project, discuss a possible structure, and tell you what details we need to confirm. You get a direct answer about the next step.
Confirm and close
If the deal fits, we verify the transaction, complete title and insurance requirements, and agree on written terms. Closing typically takes 3 to 5 days once documents and title are ready. Approved rehab funds follow the draw process described in the loan documents.
Frequently asked questions
How long does it take to 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.
Do I need a complete loan package to start?
No. The first conversation can begin with the property address, your exit strategy, your target closing date and photos or video of the property.
What does Brey Lending look at when reviewing a deal?
The property, your equity and a clearly defined exit. That can include purchase price or current payoff, as-is value, rehab scope and budget, after-repair value, your contribution, timeline, exit strategy and relevant experience.
Does moving fast mean skipping steps?
No. Title still has to be reviewed, required borrower funds need to be available, and the transaction has to make sense. We move directly, not carelessly.
See the difference on your next deal
Lending throughout Georgia with focus on the 21 metro Atlanta counties. See the areas we serve.