Cumberland County · North Carolina
Hard Money Loans in Fayetteville, NC
No monthly payments for the first 6 months for qualified borrowers. 12% · 2 points · no prepay penalty.
Start your application
Three quick questions, then the deal details. A real person — not a call center — follows up.
Borrower LoginGreenville, NC
Fayetteville and the Sandhills
Fayetteville is the seat of Cumberland County, in the Sandhills region where the Coastal Plain meets the Piedmont. Anchorwood Lending provides business-purpose loans to real estate investors working in and around the city.
We finance fix-and-flip and value-add residential deals. Borrowers must hold the property in an LLC or another legal entity — this is commercial lending, and nothing we do is available for a personal residence.
Terms are the same here as everywhere we lend: one product, published pricing, and a written term sheet before you commit. The loan closes through a local attorney with rehab funds released in draws against completed work.
Start a loan application or read more about how we lend across North Carolina.
HOW IT WORKS
Contract to payoff, in five steps.
Underwriting in 1–2 business days. Closings in Fayetteville run through a local attorney, and can happen in as few as 5 days when your documents are in order.
- 01
Apply
Quick call, then a short application: deal details, LLC docs, soft credit check.
- 02
Term sheet
We review your comps and scope, run our own numbers, and put terms in writing.
- 03
Attorney closing
Your local closing attorney runs it. We wire once title, insurance and the HUD check out.
- 04
Draws in the portal
Upload photos of completed work. Draws release within 1–2 business days.
- 05
Payoff at sale
Balance and deferred interest settle on the HUD when the house sells.
Months 1–6 · $0 due
No monthly payments while you renovate.
During the rehab, every dollar you send a lender is a dollar that isn’t buying cabinets or paying your sub. So for qualified borrowers, we let the first six months of interest accrue and collect it at payoff, straight off the HUD when the house sells.
After month six, the loan goes to monthly interest-only. Fast flips never get there.
Cash out of your pocket
$200,000 loan, fully drawn · 12% · months 1–6
from
proceeds
Typical lender −$12,000 out of pocket by month 6
Anchorwood $0 · settles on the HUD at sale
Loan program
What a Fayetteville loan costs
One fix-and-flip product, priced the same way for every borrower. You know what the money costs before you apply.
- $50K–$400KLoan size12-month term
- 12% → 16%RateMonths 1–6, then 7–12
- 2 ptsOriginationPaid at closing
- $0Prepayment penaltyPay off any time
Months 1–6
$0 / month
For qualified borrowers, interest accrues and settles on the HUD at payoff. From month seven, the loan goes to monthly interest-only.
- LeverageUp to 90% of purchase, 100% of rehab
- Rehab fundsHeld back, released in draws as work is completed
- StructureInterest-only, balloon at maturity
- CollateralFirst-position deed of trust
WHO WE LEND TO
Business-purpose borrowers in Fayetteville
Anchorwood lends to LLCs and other legal entities only. We do not make consumer loans and we do not finance owner-occupied property.
Fix-and-flip
Buy, renovate and resell residential property. The loan carries the purchase and the rehab, and pays off from the sale.
BRRRR bridge loans
Carry the renovation on a property you intend to keep, then refinance into long-term financing once it is stabilised.
Wholesalers
Transactional funding for investors who need to take title to close an assignment.
Frequently asked
- Can I get terms in writing before I commit?
- Yes. We review your comps and scope, run our own numbers, and put terms in writing. You will know what the money costs before you go further.
- What leverage do you offer?
- Up to 90% of the purchase price and up to 100% of the rehab budget, subject to underwriting and the after-repair value.
- Do you require reserves?
- We ask borrowers to attest to liquid funds equal to at least 10% of the loan amount, because draws reimburse work after it is completed.
- Is a soft credit check part of the process?
- Yes, a soft credit check is run at application. It does not affect your credit score.
We also lend nearby
Got a Fayetteville deal under contract?
Send it over. We’ll tell you straight whether it works for us — and if it does, you’ll have terms in writing fast.