New Jersey
Hard Money Lender

Get in Touch Today

CambridgeHomeLoan.com is New Jerseys #1 hard money lender, financing real estate investments up to $50 million. We have gained a reputation as the fastest hard money lender in New Jersey because we know how critical each day is in New Jersey’s competitive real estate market.

Property Types

Lending Parameters

Loan Size $100,000 to $50,000,000
LTC
70–100% of the Purchase Price
Rehab Funding
Up to 100% of the cost
LTV
Up to 75% of the ARV
Term
12–36 months
Lien
First Lien; Second Lien as additional collateral only
Interest Rate
4.25%–9.95%
Points
1–3% of the loan amount

Counties Covered

CambridgeHomeLoan.com lends in the following counties in New Jersey:

  • Bergen County
  • Burlington County
  • Essex County
  • Hudson County
  • Mercer County
  • Middlesex County
  • Monmouth County
  • Morris County
  • Ocean County
  • Passaic County
  • Somerset County
  • Sussex County
  • Union County

Why Use a Hard Money Loan

    1. If you need to close fast. While applying for a loan at your typical bank may take months for them to review your loan application, CambridgeHomeLoan.com offers the same day fix and flip | fix to rent |hard money loan approval, and we can fund within 5 days.  In an emergency situation for current customers, we can even fund a deal in 1 day!

       

    2. If the property isn’t stabilized. Many times, it’s not just a question of time, but it’s the actual property or asset that you are purchasing that a traditional bank just will not finance.  Some examples include a property that requires additional funds to rehab, ones that are missing a Certificate of Occupancy (CO), or others that do not have a strong rental history.  Hard money lenders such as CambridgeHomeLoan.com will be able to fund the property when a bank can’t.

       

    3. What if I have poor credit.  CambridgeHomeLoan.com understands that there are events  in peoples lives that negatively influence their credit score. Therefore, we are mostly concerned with the value of the real estate asset, rather than debt-to-income ratios when considering funding a loan. FICO still does play a roll but not nearly as much.

       

    4. What If don’t want to take a loan in my personal name.  A traditional bank is most likely to require that your investment property be owned directly by the individual they are making the loan to.  This is a liability risk to any investor. Setting up a property in an LLC. is just good business sense and whether you are buying your first property or your fiftieth, setting up an LLC. helps protect you from a myriad of pitfalls if one were to occur. Obtaining a hard money loan to acquire your property in an LLC. will help you protect your assets for the long term

Hard Money Fix and Flip and Fix To Rent Loans
90% of Acquisition | 100% of The Rehab!
Interest Only!  5 Day Close!!

APPLY HERE!

Why Choose A New Jersey Hard Money Lender

Our principal moved to New jersey back in 1998 and although we now lend nationwide, CambridgeHomeLoan.com takes pride in their roots and the success that the New Jersey real estate markets brought to us. Being a local New Jersey hard money lender and understanding the various cities and township in New Jersey  allows us to move quickly and overcome obstacles that many other lenders cannot. For example, we understand many of the rent regulations and permitting in the various markets.  We understand the continued development of Hoboken, Weehawken and Jersey City as well as the Fix and Flip boom going on in Ocean County. We can help our clients take advantage of some of the best investment real estate returns in the country that exist right in the New Jersey markets.

Financing your New Jersey Investment Property

New Jersey is a robust real estate market that offers close proximity to major cities and job markets such as a New York City and Philadelphia. The state has a very strong underlying economy, and major resident industries that consist of  pharmaceutical, financial services and life sciences, a big technology presence and transportation infrastructure.

As a result, the New Jersey real estate market is extremely vibrant and offers excellent opportunities  for investors to maximize their returns.

New Jersey’s premier hard money lender CambridgeHomeLoan.com is here to help you succeed profitably in this competitive market.

CambridgeHomeLoan.com is an asset-backed Lender Focused on Customized Solutions

With our knowledge of the New Jersey fix and flip market, CambridgeHomeLoan.com is able to work out and structure creative solutions that fit your hard money financing needs.  We fund loans based on the value of the asset so in some cases we were even able to finance more than 100% of the purchase price and rehab amount. 

CambridgeHomeLoan.com can also provide your take out financing in the form of a 30 year loan or a portfolio loan  for investors with 5 or more properties. These loans today start in the low 3% range.

Give us a call or apply for a loan today!

New Jersey Hard Money Lender

We can fund hard money loans in 3–5 days

If you are looking for a New Jersey hard money lender, give us a call

Submit a loan request

A New Jersey direct lender you can rely on

What Are The Top 5 Investment Real Estate Markets To Invest In New Jersey Today!

Top 5 Best Real Estate Investment Fix and Flip Markets in New Jersey Today!

Smart Real estate investors are always on the lookout for the best new opportunities in the investment real estate and housing markets. Savvy investors from experience know that it is not a good idea to focus all of their investment properties in one location , and often invest in multiple areas and even in multiple states. If you are or have been considering  investing in the New Jersey market, below are just five markets that would be a good starting point to invest in New Jersey real estate.  It would be wise to engage with local realtors and wholesalers to discuss your investment plans and use them for their local expertise.

While seeking out your investment properties in the New Jersey markets,  try to locate homes or buildings that are located near bus or train lines that lead to larger cities if you are looking to buy and hold or rent year round.  The majority of the job markets are in New York City, Northern New Jersey and Phily.  There are plenty of opportunities for those who are looking for an air B and B or  vacation rental strategy along the New Jersey coast, as well. When buying in the northeast which is a competitive market, a local realtor will be extremely helpful to finding the best investment properties in New Jersey.

The Weehawken New Jersey Investment Market

Weehawken New Jersey has been consistently growing and accommodating the overflow from Hoboken for a while Now. The median home value in Weehawken is $768,000 compared to a surprising median home value in Hoboken New Jersey of $712,300. Weehawken is far less-crowded than the 1 square mile that makes up Hoboken and Weehawken has way more room for growth. Weehawken’s location is just across the water from New York city and ensures that there will always be demand for rentals. Home values here just like in New York City continue to increase. The commute and employment markets from here are fantastic and the biggest drawback is inventory and the amount of competition.  Finding deals in this market is tough.

The median rental rates in Weehawken New Jersey are $3,269. That is 81% more than the average New Jersey median rents, so even though homes are expensive there is value to be had and an ever increasing demand.

Asbury Park Investment Real Estate – Monmouth County New Jersey

Asbury Park New Jersey has benefitted from the increasing interest in the Jersey shore vacation rentals. This area amazes me with its great beaches, entertainment and boardwalks  and still immature real estate market. Asbury parks residents are made of approximately 80% renters, with the year-round population staying relatively flat. The real value in investing in Asbury Park real estate will be found in renting to people coming to the beaches on vacation.

The home values for Asbury Park have been going up 15.8% year over year, with an additional 7.7% expected in 2019 and 2020.  The average rental rates have gone up over  12% year over year to $1,668.

Moonachie New Jersey Investment Real Estate 

After being hit hard by Hurricane Sandy, Moonachie has begun its comeback. Now is the time to scoop up more affordable properties, with median home values only $365,000 but on the rise. It’s close to NYC, but average rents are only $1,395. The moonachie job market is primarily industrial in nature. Industrial vacancies have been shrinking in Moonachie while warehousing jobs have been growing. The need for rentals is strong here.

Jersey City

Jersey City median home values are $481,900, a rise of 8.5% year over year. It’s a hot rental market, with a lot of new development, and over three fourths of the city’s population rents. It’s close to NYC and competes with Hoboken for the same renters but also has a thriving business community of its own.

The population in Jersey City has shown consistent growth over the past few years, and while it hasn’t shown job growth this is less important for real estate investors due to the number of people who call Jersey City home but commute to work elsewhere.

Cherry Hill Investment Real Estate -Camden County

Cherry Hill attracts renters and buyers priced out of the Philadelphia and NYC markets. Median home values are $269,800, much lower than other cities in New Jersey. Average apartment rents are $1,396 and the area has some of the best schools in the state. The commuter job market is strong and the fix to rent model works great here.

Cherry Hill has been hit hard by foreclosures in recent years, however for an investor who buys low and sells high this presents an opportunity. If you have the money to buy and hold, you could eventually realize a tidy profit.

The Best County To Invest In Fix and Flip and Fix To Rent Properties in New Jersey is Ocean county
The highest profit margins in the fix and flip and fix to rent markets in New Jersey can be found in Ocean County NJ

With hard money and private equity loans and great leverage available Ocean County New Jersey is a boom for real estate investors in New Jersey. 
More information on investing in Ocean County New Jersey can be found HERE!   The #1 County for fix and flip loans in New Jersey!

We Value our Investor Relationships

CambridgeHomeLoan.com is the fastest Hard Money Lender in New Jersey

HARD MONEY LOAN NEW JERSEY

Absecon
Allamuchy-Panther Valley
Allendale borough
Allenhurst borough
Allentown borough
Allenwood
Alloway
Alpha borough
Alpine borough
Andover borough
Annandale
Asbury Park
Ashland
Atlantic City
Atlantic Highlands borough
Audubon borough
Audubon Park borough
Avalon borough
Avenel
Avon-by-the-Sea borough
Barclay-Kingston
Barnegat
Barnegat Light borough
Barrington borough
Bay Head borough
Bayonne
Beach Haven borough
Beach Haven West
Beachwood borough
Beatyestown
Beckett
Belford
Belleville
Bellmawr borough
Belmar borough
Belvidere
Bergenfield borough
Berkeley Heights
Berlin borough
Bernardsville borough
Beverly
Blackwood
Bloomfield
Bloomingdale borough
Bloomsbury borough
Bogota borough
Boonton
Bordentown
Bound Brook borough
Bradley Beach borough
Branchville borough
Brass Castle
Bridgeton
Brielle borough
Brigantine
Brooklawn borough
Browns Mills
Brownville
Budd Lake
Buena borough
Burlington
Butler borough
Caldwell borough
Califon borough
Camden
Cape May
Cape May Court House
Cape May Point borough
Carlstadt borough
Carneys Point
Carteret borough
Cedar Glen Lakes
Cedar Glen West
Cedar Grove
Cedarville
Chatham borough
Cherry Hill Mall
Chesilhurst borough
Chester borough
Clark
Clayton borough
Clearbrook Park
Clementon borough
Cliffside Park borough
Cliffwood Beach
Clifton
Clinton
Closter borough
Collings Lakes
Collingswood borough
Colonia
Concordia
Corbin City
Country Lake Estates
Cranbury
Crandon Lakes
Cranford
Cresskill borough
Crestwood Village
Dayton
Deal borough
Demarest borough
Diamond Beach
Dover
Dover Beaches North
Dover Beaches South
Dumont borough
Dunellen borough
East Brunswick
East Freehold
East Newark borough
East Orange
East Rutherford borough
Eatontown borough
Echelon
Edgewater borough
Edison
Egg Harbor City
Elizabeth
Elmer borough
Elmwood Park borough
Elwood-Magnolia
Emerson borough
Englewood
Englewood Cliffs borough
Englishtown borough
Erlton-Ellisburg
Erma
Essex Fells borough
Estell Manor
Ewing
Fairfield
Fair Haven borough
Fair Lawn borough
Fairton
Fairview borough
Fairview
Fanwood borough
Far Hills borough
Farmingdale borough
Fieldsboro borough
Flemington borough
Florence-Roebling
Florham Park borough
Folsom borough
Fords
Forked River
Fort Dix
Fort Lee borough
Franklin borough
Franklin Lakes borough
Freehold borough
Frenchtown borough
Garfield
Garwood borough
Gibbsboro borough
Gibbstown
Glassboro borough
Glendora
Glen Gardner borough
Glen Ridge borough
Glen Rock borough
Gloucester City
Golden Triangle
Great Meadows-Vienna
Greentree

Guttenberg
Hackensack
Hackettstown
Haddonfield borough
Haddon Heights borough
Haledon borough
Hamburg borough
Hammonton
Hampton borough
Harrington Park borough
Harrison
Harvey Cedars borough
Hasbrouck Heights borough
Haworth borough
Hawthorne borough
Heathcote
Helmetta borough
High Bridge borough
Highland Lake
Highland Park borough
Highlands borough
Hightstown borough
Hillsdale borough
Hillside
Hi-Nella borough
Hoboken
Ho-Ho-Kus borough
Holiday City-Berkeley
Holiday City South
Holiday Heights
Hopatcong borough

Hopewell borough
Interlaken borough
Irvington
Iselin
Island Heights borough
Jamesburg borough
Jersey City
Keansburg borough
Kearny
Kendall Park
Kenilworth borough
Keyport borough
Kingston
Kinnelon borough
Lakehurst borough
Lake Mohawk
Lake Telemark
Lakewood
Lambertville
Laurel Lake
Laurel Springs borough
Laurence Harbor
Lavallette borough
Lawnside borough
Lawrenceville
Lebanon borough
Leisure Knoll
Leisuretowne
Leisure Village
Leisure Village East
Leisure Village West-Pine Lake Park
Leonardo
Leonia borough
Lincoln Park borough
Lincroft
Linden
Lindenwold borough
Linwood
Little Falls
Little Ferry borough
Little Silver borough
Livingston
Loch Arbour village
Lodi borough
Long Branch
Longport borough
Long Valley
Lyndhurst
McGuire AFB
Madison borough
Madison Park
Magnolia borough
Manahawkin
Manasquan borough
Mantoloking borough
Manville borough
Maplewood
Margate City
Marlton
Matawan borough
Mays Landing
Maywood borough
Medford Lakes borough
Mendham borough
Mercerville-Hamilton Square
Merchantville borough
Metuchen borough
Middlesex borough
Midland Park borough
Milford borough
Millburn
Millstone borough
Milltown borough
Millville
Monmouth Beach borough
Monmouth Junction
Montclair
Montvale borough
Moonachie borough
Moorestown-Lenola
Morganville
Morris Plains borough
Morristown
Mountain Lakes borough
Mountainside borough
Mount Arlington borough
Mount Ephraim borough
Mullica Hill
Mystic Island
National Park borough
Navesink
Neptune City borough
Netcong borough
Newark
New Brunswick
New Egypt
Newfield borough
New Milford borough
New Providence borough
Newton
North Arlington borough
North Beach Haven
North Brunswick Township
North Caldwell borough
North Cape May
Northfield
North Haledon borough
North Middletown
North Plainfield borough
Northvale borough
North Wildwood
Norwood borough
Nutley
Oakhurst
Oakland borough
Oaklyn borough
Oak Valley
Ocean Acres
Ocean City
Ocean Gate borough
Ocean Grove
Oceanport borough
Ogdensburg borough
Old Bridge
Old Tappan borough
Olivet
Oradell borough
Orange
Oxford
Palisades Park borough
Palmyra borough
Paramus borough
Park Ridge borough
Passaic
Paterson

Paulsboro borough
Peapack and Gladstone borough
Pemberton borough
Pemberton Heights
Pennington borough
Pennsauken
Penns Grove borough
Pennsville
Perth Amboy
Phillipsburg
Pine Beach borough
Pine Hill borough
Pine Ridge at Crestwood
Pine Valley borough
Pitman borough
Plainfield
Plainsboro Center
Pleasantville
Point Pleasant borough
Point Pleasant Beach borough
Pomona
Pompton Lakes borough
Port Monmouth
Port Norris
Port Reading
Port Republic
Presidential Lakes Estates
Princeton borough
Princeton Junction
Princeton Meadows
Princeton North

Prospect Park borough
Rahway
Ramblewood
Ramsey borough
Ramtown
Raritan borough
Red Bank borough
Ridgefield borough
Ridgefield Park village
Ridgewood village
Ringwood borough
Rio Grande
Riverdale borough
River Edge borough
Riverton borough
River Vale
Rochelle Park
Rockaway borough
Rockleigh borough
Rocky Hill borough
Roosevelt borough
Roseland borough
Roselle borough
Roselle Park borough
Rosenhayn
Rossmoor
Rumson borough
Runnemede borough
Rutherford borough
Saddle Brook
Saddle River borough
Salem

Sayreville borough
Scotch Plains
Sea Bright borough
Seabrook Farms
Sea Girt borough
Sea Isle City
Seaside Heights borough
Seaside Park borough
Secaucus
Sewaren
Shark River Hills
Shiloh borough
Ship Bottom borough
Shrewsbury borough
Silver Ridge
Society Hill
Somerdale borough
Somerset
Somers Point
Somerville borough
South Amboy
South Belmar borough
South Bound Brook borough
South Orange
South Plainfield borough
South River borough
South Toms River borough
Spotswood borough
Springdale
Springfield
Spring Lake borough
Spring Lake Heights borough
Stanhope borough
Stockton borough
Stone Harbor borough
Stratford borough
Strathmere
Strathmore
Succasunna-Kenvil
Summit
Surf City borough
Sussex borough
Swedesboro borough
Tavistock borough
Teaneck
Tenafly borough
Teterboro borough
Tinton Falls borough
Toms River
Totowa borough
Trenton
Tuckerton borough
Turnersville
Twin Rivers
Union
Union Beach borough
Union City
Upper Saddle River borough
Ventnor City
Vernon Valley
Verona
Victory Gardens borough
Victory Lakes
Villas
Vineland
Vista Center
Waldwick borough
Wallington borough
Wanamassa
Wanaque borough
Waretown
Washington borough
Washington Township
Watchung borough
Wayne
Wenonah borough
West Belmar
West Caldwell
West Cape May borough
Westfield
West Freehold
West Long Branch borough
West Milford
West New York
West Orange
West Paterson borough
Westville borough
West Wildwood borough
Westwood borough
Wharton borough
White Horse
White House Station
White Meadow Lake
Whitesboro-Burleigh
Whittingham
Wildwood
Wildwood Crest borough
Williamstown
Woodbine borough
Woodbridge
Woodbury
Woodbury Heights borough
Woodcliff Lake borough
Woodlynne borough
Wood-Ridge borough
Woodstown borough
Wrightstown borough
Wyckoff
Yardville-Groveville
Yorketown