Real Estate Loan Programs
JRM Funding LLC provides real estate-secured loans for borrowers who need practical financing solutions outside the traditional lending process. Loan programs may support construction, renovation, bridge financing, short-term secured loans, and secured cash-out needs.
Real Estate Loans
JRM Funding offers practical real estate-secured loan options for borrowers who need flexible, short-term financing. Each request is reviewed based on collateral, borrower profile, project details, and exit strategy.
Construction & Renovation
- 6–18 month loan terms
- Possible head start on construction
- Limited to up to 80% of acquisition costs
- Reduce the required cash investment with additional collateral
Traditional Bridge
- Can be secured by your current home as collateral
- Limited to 80% of the value of property listed for sale
- Receive cash for a down payment on your new home before selling your current home
Short-Term Secured
- Great option to acquire and renovate real estate
- Fast decisions and funding
- Practical solution for those with credit challenges or reported income issues
Secured Cash-Out
- Receive cash for any purpose
- Primary residence or investment properties are eligible
Borrower FAQs
A construction loan can help you fund the building of a new house, while a renovation loan covers updates to an existing house. A construction loan is used to cover the associated costs that can include land, building materials, permits, labor, and sometimes landscaping. A renovation loan provides funds to upgrade or remodel a property you own.
A real estate secured loan means that real estate you own or will buy is used as collateral for the loan.
We encourage you to contact us to discuss your current situation and loan needs. We may then ask you to complete and submit our short application. If there is a fit, we will provide you with a detailed written proposal. An up-front diligence fee may be required in some situations. When the proposal is approved and returned with any required fee, we will conduct an appraisal if required, complete diligence, and prepare to close your loan. A closing date is scheduled and you get funded.
JRM Funding is focused on providing fast loans. Although each loan is unique, many loans can close in one week to 10 days. Other loans can take 20–30 days, depending upon complexity or if delayed by appraisal, title work, or other requirements.
JRM Funding prefers to work with loans between $150,000 and $800,000 that are secured by residential properties, with a maximum cap of about $1.5 million.
Loan rates vary with the market, based on the Federal Reserve’s Current Prime Rate. Contact JRM Funding and we will be glad to provide current loan rates.
JRM Funding works mostly with short-term real estate loans that are issued generally for no more than 18 months, and most clients fall within the 4–12 month range. Longer loan periods may be available. Contact JRM Funding to discuss your individual loan needs.
JRM Funding prefers to issue loans to borrowers in the Metro DC area, but may make loans throughout Virginia, Maryland, and DC, and even other states on occasion. If JRM Funding cannot offer you a loan, the team can typically refer you to someone who can work in your area.
Many people are unfamiliar with the loan process, do not like working through an impersonal standard lender, or want help structuring the right loan for their needs. JRM Funding is approachable, helps people feel comfortable with the loan process, and can generally provide a loan more quickly.
Ready to Discuss Your Loan Request?
Explore your loan options or start the application process with JRM Funding.