Hard Money Loans in Montgomery, Alabama

Hard Money Loans in Montgomery, Alabama

Fix-and-flip and rental loans across the Montgomery metro and River Region. Pre-qualify in 60 seconds. Built by operators who have closed 2,000+ deals.

Montgomery skyline
Funded in 15 days $160K → $255K ARV
Dalraida flip 90% purchase + 100% rehab
quick application Pre-qual in 60 sec
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THE MONTGOMERY MARKET

What we see on the ground.

Montgomery is one of our most active markets.

Through Rapid Fire Home Buyers, our operating team has closed more than 100 deals across the River Region in the past 12 months alone and part of 2,000+ deals company-wide. That volume gives us real, current pricing data on the very streets where you’re buying.

Montgomery offers one of the most accessible price points in our footprint, with strong opportunities for entry-level rental and flip projects on the north and west sides of the city. Neighborhoods such as Capitol Heights, Chisholm, Gibbs Village, and Mobile Heights regularly produce properties that can be acquired well below stabilized value, while established areas like Dalraida and McGehee Estates support higher-value renovations.

Average rehab budgets we underwrite in Montgomery County typically range from $20,000-$40,000, with after-repair values commonly falling between $120,000-$220,000 depending on the neighborhood and scope of work. Properly renovated single-family homes generally sell within 45-60 days based on current market conditions.

where we lend

Neighboring cities we lend in.

We fund deals in the cities below. Don’t see your city? Ask us.

★ Montgomery
Montgomery County · Main Location
Prattville
Autauga County · ~20 min northwest
Millbrook
Elmore County · ~20 min north
Wetumpka
Elmore County · ~25 min north
Pike Road
Montgomery County · ~20 min east
Deatsville
Elmore County · ~30 min north
Tallassee
Elmore County · ~40 min northeast

A Real Montgomery Deal We Funded

A real deal with the purchase and renovation funded by Evergreen Capital. The borrower flipped it and sold on the market for a healthy profit. This is the deal profile Evergreen is built to fund. Local capital for local operators, structured to move at the speed a flip actually needs.

Purchase
$160,000
Rehab
$30,000
ARV
$255,000
Funded In
15 days
Purchase
$160,000
Rehab
$30,000
ARV
$255,000
Funded In
15 Days

HOW WE LEND

Same program. Same rate. Anywhere we lend.

Size your Montgomery deal against our published terms in about a minute.

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Fund terms

Rate: 13% annualized interest

Leverage: Up to 90% of purchase + 100% of construction cost, capped at 75% of after-repair value

Appraisal: Required as part of the loan process

Prepay: No prepayment penalty

Points & Fees: 2 points

✔
What we lend on in Montgomery

✓ Single-family properties, 2 to 4 units, townhouses, and condos

✓ First lien position only

✓ Borrower is pre-qualified before we evaluate a specific property

✕ Property cannot be in a flood plain

✕ Investment property only, no owner-occupied

Review borrower loan terms and eligibility for Montgomery

Get pre-qualified for Montgomery hard money financing

MONTGOMERY FAQ

Questions Montgomery borrowers ask.

Yes. We lend across the Montgomery metro and River Region. That includes Montgomery neighborhoods like Capitol Heights, Chisholm, Gibbs Village, Mobile Heights, Dalraida, and McGehee Estates, plus Prattville, Millbrook, Wetumpka, Pike Road, Deatsville, and Tallassee. Don’t see your city? Ask us.

If it is a standard residential flip in Montgomery or a listed neighbor city, we fund it. Don’t see your city? Ask us.

Faster than a bank, by design. We underwrite locally and make the lending decision in-house with people who know these markets. An appraisal is required, and we coordinate it as part of the process so the file keeps moving. Once your application and project details are in, we move to terms and then to closing. Your timeline comes down mostly to a clean title and getting your documents back to us, so the more complete your file, the faster we fund. As quickly as days.

Yes. An appraisal is required on every loan. We order and coordinate it as part of underwriting so you are not chasing the scheduling yourself. Local underwriting still keeps the file moving faster than a traditional bank process.

Yes. Evergreen funds the purchase and rehab. Long-term refinance is outside our product. We can connect you with a local bank or credit union referral for that step.

Need terms for a Montgomery fix-and-flip or BRRRR deal? Review borrower requirements and pre-qualify in 60 seconds