Trustworthy Hard Money Lending In Alabama

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While sometimes overlooked for its smaller population, Alabama is a growing real estate market with new and profitable investment opportunities popping up each day. It is important to partner with sources of financing that are experienced and tenured within the local real estate communities.  Whether a small loan in Montgomery or Huntsville, to a large-scale flip in Birmingham, EquityMax is your competitive lender on each and every deal.

Customized Hard Money Options For Your Next Project In Alabama

Diverse Loan Solutions

Whether it’s a fix and flip or cash-out refi, you can expect a quick proposal with competitive terms from EquityMax that work within the scope of your business model.

We Welcome New Investors

EquityMax is relatable to both seasoned and new investors.  We are always open to guiding first-time investors as well as providing private money financing to veteran flippers.

Cities Big And Small

From Tuscaloosa to Birmingham and Mobile, deals exist for every level investor.  EquityMax will work with you to analyze, execute, and fund your real estate investment to perfection.

Ask Our Opinion

EquityMax only offers hard money on real estate where borrowers will profit. If you have any questions about the logistics of your deal, our team will provide on-demand advice in a quick and timely manner.

Close In 48 Hours Or Less! Ready To Get Started On Your Next Deal In Alabama?

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Latest Success Story

An experienced investor from California was beginning to purchase homes in Alabama. He had found a great opportunity to fix and flip a property in Prattville and wanted to leverage his current cash balance to purchase the property. EquityMax provided an acquisition loan on the home which prevented the borrower from exhausting all his financial resources. Following a successful renovation of the home, the borrower successfully sold the home for a handsome profit.

FIX AND FLIP

Location - Prattville, AL

Loan Amount - $57,000

Purchase Price - $71,000

Loan Type - Purchase

Term - 12 Moths - 17 Years (Borrower Option)

Rehab Amount - $30,000

Actual Retail Value - $150,000

Profit - $50,000

Driving Factors For Alabama Real Estate Market

Job Growth

The Yellowhammer State is experiencing an increase in job opportunities, especially in the emerging Huntsville market.

Affordability

A major allure to Alabama is its affordability. Most notably, the cost of living is well below the United States average.

Diverse Industries

A wide variety of industries are driving the Alabama economy including education, healthcare, aerospace, and banking.

Alabama Real Estate Market Breakdown

$216,946

Median Home Value

1,173

Foreclosure Properties

91

Bank Owned Properties

1,082

Auction

Popular Counties: Jefferson, Baldwin, Mobile, Shelby, Tuscaloosa

EquityMax Insight

In this particular case, our borrower (a first-time EquityMax client) had been working as a probate lead for months. Thankfully, over this time period, home values in Alabama had increased 9.4%. It was a great deal that required only minor touch up and no extensive renovation. Hence, when EquityMax closed this deal, the borrower quickly expedited his work on the property and sold the home to an end-user in 3 months. Not bad for 90 days’ work!

What Our Clients Say

EquityMax
March 30, 2021

EquityMax has been a great source of lending for me. I was so impressed with their customer service and speed in closing my first loan, I decided to use them again.  Now, I’m working on my third deal with EquityMax!

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Jeffery Kennedy

Loan Programs

Fix and Flip / Cash-Out REFI

High LTV / Low Rates / Flexible Term • Minimal Insurance Requirements • Zero Prepayment Penalty

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Foreign National Loans

ZERO Credit or Qualification Requirements • No Personal Guarantee Required • Free Comparable and Repair Analysis

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Transactional Funding

Catering to Real Estate Wholesalers • 1-3 Day Funding • Minimal Notice to Close

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Non-Recourse Lending

Invest through a Self-Directed IRA or Solo 401K • Net Proceeds from Investing are Tax-Deferred • No Personal Guarantee

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Have You Been Previously Denied By A Lender? Get A Second Chance With EquityMax

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Did You Know

EquityMax has attended various REIA meetings in and around the start of Alabama. The most recent investment club we have attended is the MC-REIA meeting in Huntsville, which meets on the first Thursday of every month.

Frequently Asked Questions

a

 Do I need to hold properties in a business entity?

EquityMax does not require our borrowers to be a Corporation of LLC.  We can originate loans to individuals, LLCs, Corporations, Land Trusts, and Self-Directed IRAs.

a

Can EquityMax finance multiple properties simultaneously for borrowers?

Yes. EquityMax has multiple borrowers with several active loans in our portfolio.

a

How do I find properties in Alabama to invest in?

While EquityMax is not a licensed real estate broker in Alabama, we have partnered with several real estate companies, wholesalers, etc… that are actively selling real estate in your area.  Feel free to reach out to us and we will connect you with various sellers of real estate throughout North Carolina.

a

I purchased a property “cash” last year in Montgomery, and need some additional funds. Can EquityMax Finance this transaction?

EquityMax not only lends to borrowers to purchase real estate, but often provides “cash out” refi loans to borrowers who may need extra capital to complete a project.

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Is Alabama a good condo market?

We find that other states have optimal markets for investing in condos, particularly states with more seasonal real estate (i.e. Florida).  That doesn’t mean that markets catering to college students (i.e. Tuscaloosa) may be prime opportunities to rent condos as student housing.

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Once I am prequalified, how quickly can I obtain a Proof of Funds letter?

EquityMax can send a borrower a Proof of Funds within 5 minutes of receipt of an acceptable, three-score credit report.  If a borrower does not have a recent report, he/she can request that Equitymax pull it.  For instructions, please click here.

a

What separates the Alabama market from other states?

From what we have seen and experienced as lenders, Alabama’s price points for real estate offers a relatively low barrier for entry for new and experienced investors to purchase properties.

a

What types of real estate property does EquityMax lend on?

EquityMax lends on any form of residential property, including single family homes, 1-4 multi-unit properties, condominiums & townhomes, and even small apartment complexes (20 units or less).  We also lend on commercial property and industrial warehouses.

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Where in Alabama does EquityMax lend?

EquityMax lends on real estate throughout the state of Alabama. We are not geographically limited as to where we will finance in the state.

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About Us

Licensed Mortgage Lender
NMLS #1523517

Licensed Real Estate Broker

6216 N. Federal Hwy.
Ft. Lauderdale, FL 33308

(954) 267-9103

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