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Capital When You Need it, How You Need it

MOR Financial is a trusted leader in hard money lending, providing tailored financing solutions for Active Real Estate Investors. Our services empower investors to quickly secure capital for property acquisitions, renovations, and other real estate opportunities. In addition to lending, MOR Financial offers Passive Investors the opportunity to generate steady returns through our MOR Investment Fund and direct Trust Deed investments. With expert management, transparency, and a commitment to client success, MOR Financial bridges the gap between ambitious real estate projects and the investors fueling them.

Fast & Flexible Funding for Your Next Project

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  • Next1Our funding is designed with real estate investors in mind, offering financial agility when you need it most.
  • Next2With fast access to funding, you can take on more projects simultaneously, accelerating portfolio growth and boosting profits.
  • Next3No prepayment penalties, giving you the freedom to pay off your loan early if you want to without incurring extra fees.

Find the Right Program For You

Pro 1

Fix-N-Flip Loans &
Rehab Loans

Property Type

SFR, Condo, Townhouses, 2-4 units

Loan Amount

80/80 or 90/100 or 100 of purchase price Max up to 70% of ARV

Term

6-24 months

Rate

9.99% to 12.99%

Fees

1-3%

Repayment

Monthly Interest Only

Pro 2

Bridge Loans

Property Type

Land, SFR, Condo, Townhouses, 2-4 units

Loan Amount

Up to 70% of LTV

Term

12 months

Rate

9.99% to 12.99%

Fees

1-3%

Repayment

Monthly Interest Only

Pro 3

Construction Loans

Property Type

SFR, Condo, Townhouses, 2-4 units

Loan Amount

Up to 50% of LTV

Term

12-24 months

Rate

9.99% to 12.99%

Fees

1-3%

Repayment

Monthly Interest Only

Pro 4
Rental Property Loans

Property Type

SFR, Condo, Townhouses, 2-4 units

Loan Amount

Up to 75% of LTV

Term

12-60 months

Rate

9.99% to 12.99%

Fees

1-3%

Repayment

Monthly Interest Only

Pro 5
Commercial Property Loans

Property Type

Land, Retail, Industrial, warehouse, office, multifamily, assisted living, house of worship, specialty property.

Loan Amount

Up to 65% of LTV

Term

12-60 months

Rate

9.99% to 12.99%

Fees

1-3%

Repayment

Monthly Interest Only

Calculate Your Investment Returns

Access our Fix-N-Flip Profitability and Hard Money Loan Payment calculators to plan your next project with confidence.
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Preferred by Countless Organizations

Record Img

Outstanding Track Record

Established in 2006, MOR Financial has over 18 years of experience funding private and conventional loans. We work with many local and national mortgage investors to help our clients find the right loan that best fits their needs.

Orion_money Bag

5

Days Funding Time

Years_cerificate

18

Years in business

Cards

$550m

Loaned

Simplifying Loans with Common Sense Underwriting

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Minimal Documents Needed

Get funded quickly with the essential paperwork.

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No Red Tape

Straightforward and efficient lending process.

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Rates Starting At 9.99%*

Competitive rates to make your investment profitable.

Latest Articles from MOR Financial

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Top Real Estate Investment Trends for 2025: A Comprehensive Guide for Passive Investors 

The year 2025 is shaping up to be pivotal for real estate investors, particularly those focused on passive income. With significant legislative changes, economic adjustments, and technological advancements on the horizon, staying ahead is essential. This guide...
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2025 California Real Estate Laws: 7 Key Changes Every Investor Must Know

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Your Guide to IRAs: Choosing the Right One for Your Retirement Goals

Saving for retirement is essential, but with so many options, finding the right fit can feel overwhelming. Individual Retirement Accounts (IRAs) are powerful tools for growing your wealth with tax benefits, but which type suits your financial goals? In this quick...
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Understanding Real Estate Investing Lingo – Part 2

In the first part of this series, we explored foundational terms in real estate investing, including cash flow, ROI, equity, and ARV. In Part 2, we’ll build on that knowledge by diving into more advanced terms that every real estate investor should know. These...
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Understanding Real Estate Investing Lingo – Part 1

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How to Passively Invest in Real Estate Using a Self-Directed IRA

When it comes to growing your retirement wealth, traditional investment vehicles like stocks, bonds, and mutual funds aren't your only options. Self-Directed IRAs (SDIRAs) offer a powerful, yet often overlooked, path to diversify your retirement portfolio with...
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Holiday Investing Tips: How to Find Year-End Real Estate Deals in 2024

The holiday season is often seen as a time to relax and take a break from business as usual. However, for savvy passive real estate investors, the end of the year is one of the best times to uncover lucrative opportunities in the market. While others are distracted by...
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Finishing Strong: How a 2024 Project Loan Can Help Developers

As the end of 2024 approaches, property developers face mounting pressure to finish their projects. Whether you’re racing against contractual deadlines, aiming to take advantage of tax benefits, or positioning your property for early 2025 sales or leases, ensuring...
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Essential Interest Rate Insights for Active Real Estate Investors

Interest rates are one of the most significant economic variables affecting real estate investment strategies. For active real estate investors, understanding how interest rates work, how they fluctuate, and how they influence different aspects of real estate deals...
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Key Factors for Passive Investors in Loan-Based Real Estate Investing

Passive real estate investing offers an attractive way to generate steady returns without the hands-on demands of property management. One of the most popular avenues for passive investors is loan-based real estate investments. In this situation, investors provide...

Want to know more? Take your first steps toward real estate success with us

Get pre-approved for a private loan from MOR Financial. Also Get Upto $2500 off on Appraisal Costs at closing