Hard Money Loans in Newton County Georgia
Fast, flexible hard money loans for real estate investors in Newton County, Georgia — serving Covington, Porterdale, Oxford, Mansfield, and Newborn.
Why Real Estate Investors Use Hard Money Loans
Most investors lose deals because banks are slow.
Banks require:
- Tax returns
- W-2 income
- Appraisal delays
- Property must be turnkey
We approve based on:
- Asset value
- ARV (after repair value)
- Exit strategy (sell or refinance)
When a deal hits the market, speed gets the contract.
Who This Loan Is Perfect For
- Investors needing quick closing
- Wholesalers needing transactional lending
- Contractors who flip their own projects
- Investors using the BRRRR strategy
- Out-of-state investors focusing on Georgia rentals
We specialize in distressed + value-add properties.
What’s Required to Get Hard Money Terms?
- Property address
- Purchase price
- Exit strategy (sell or refinance)
NO:
- Tax returns
- Debt-to-income ratio
- W-2s
- Personal income underwriting
We lend on the deal, not your personal credit profile.
Where We Lend in Newton County
We are actively funding deals in:
Local Investor Advantage — Film Production Market
Did you know?
- Covington is known as “The Hollywood of the South.”
- Properties are constantly renovated for movie/TV set rentals.
Investors are flipping:
- Historic homes near The Square
- Rental conversions for film crew housing
- Airbnb properties near filming sites
Hard money loans help investors secure properties before filming increases demand and prices.
Key Highlights Of Our Program
Loan amounts typically $500K to multi-million
Terms from 12 to 36 months with interest-only options
Strong focus on investor exit strategy (sale or refinance)
Fund acquisition, construction budget, carry costs
Our 4-Step Process to Funding Your Loans
Deal Submission
Upload your contract / address / rehab or construction budget.
Term Sheet Issued
We evaluate ARV, comps, scope of work, and exit strategy.
Underwriting & Closing
Closing attorney receives wired funds. Rehab draws released fast.
Benefits vs Traditional Banks
Fast decision & funding (days to weeks)
Ideal for distressed or non-traditional properties
Rehab / construction draws available
Flexible underwriting focused on deal merits
Less emphasis on personal income & credit score
Our Experience in Georgia & Newton County
Atlanta Fix & Flip Loans has funded over 1,000 real-estate investment projects across Georgia from Atlanta to Savannah, Macon to Athens giving us deep knowledge of permit timelines, contractor networks and exit strategies in this market (Authority & Experience). In Newton County, we know the local zoning board, infrastructure demands, common renovation challenges and investor-heavy ZIP codes.
Yes — we fund up to 100% of renovation costs (up to 75% ARV).
Yes — especially near the Historic Downtown filming zone.
Yes — we fund assignment/wholesale contracts.
Ready to Fund Your Project in Newton County?
Don’t wait for banks to slow you down. Choose a local Georgia private lender that knows Newton County and investor markets inside out.