How much can I borrow on an NC flip?

Up to 100% of purchase and rehab, subject to an after-repair value cap.

How does the upset bid period affect auction purchases?

After a North Carolina foreclosure sale, higher bids can reopen the sale for a short period, so plan your timeline and financing accordingly.

Who handles NC closings?

Attorneys play a central role in North Carolina closings and coordinate title and funding with us.

How quickly can you close?

Most loans close in 5 to 10 business days once title and valuation are complete.

Is there a prepayment penalty?

No. Repay whenever the property sells.

Do you lend on owner-occupied homes?

No. We only finance investment property.

Can I keep the house as a rental?

Yes. Refinance into our 30-year DSCR loan once it's leased.

North Carolina Fix & Flip FinancingHard Money

Hard Money Lenders in North Carolina

From Charlotte to the Triangle, North Carolina's growth keeps renovated homes in demand. Fund purchase and rehab with a direct lender that approves the same day.

Get Funded in NC Call 1-800-674-3804

Hover or tap a pin to explore markets

100%

LTC on purchase + rehab

Same Day

Approvals

5–10

Business days to close

Metros featured

Local Markets

North Carolina Renovation Markets

Where North Carolina investors are renovating and reselling.

Charlotte

Older homes near Uptown and growing suburbs on every side.

West End
Plaza Midwood
Gastonia
Concord

Raleigh–Durham

Research Triangle demand supports full renovations.

Southeast Raleigh
East Durham
Garner
Fuquay-Varina

Greensboro

Affordable Piedmont Triad inventory.

Glenwood
High Point
Burlington

Winston-Salem

Mid-century homes with value-add potential.

Ardmore
Kernersville
Clemmons

Fayetteville

Military-driven resale and rental demand.

Hope Mills
Spring Lake
Haymount

Wilmington & Asheville

Coastal and mountain markets with higher resale values.

Wilmington
Leland
Asheville
Hendersonville

Available in North Carolina

North Carolina Renovation Financing

Short-term capital for North Carolina projects.

Hard Money Loans

Up to 100% of purchase and rehab with 6–12 month terms.

ARV Loans

Let the after-repair value carry the loan on heavier rehabs.

Bridge Loans

New construction and multifamily with up to 90% LTC.

DSCR Loans

Holding it? Refinance into a North Carolina DSCR loan.

Local Insight

Flipping in North Carolina: What to Know

North Carolina forecloses through a power-of-sale process that includes a hearing before the clerk of superior court, and upset bids can reopen a sale for a short period afterward. Factor that timing into auction purchases.

Attorneys play a central role in North Carolina closings. Bring an investor-friendly closing attorney in early to keep a fast purchase on track.

General information only, not legal advice. Confirm local rules with your closing attorney or title company.

Upset bid period

Foreclosure sales can be reopened by higher bids for a short window.

Attorney closings

Your NC closing attorney coordinates title and funding.

Mountains to coast

We lend anywhere in North Carolina.

Your Route to Closing

How We Fund North Carolina Deals

1
Pre-approval
Financing ready before auctions and listings.
2
Contract & scope
Send the contract and line-item rehab budget.
3
Attorney closing
Close in 5 to 10 business days.
4
Renovate & exit
Sell with no penalty or refinance into a rental loan.

FAQ

Frequently Asked Questions

Still have a question?

Talk to our team about your property and timeline.

1-800-674-3804

Yes, and statewide across North Carolina.

More Areas We Serve

Investing in More Than One Market?

View all areas

DSCRNorth Carolina

Hard MoneyGeorgia

Hard Money & DSCRNew York City

Talk With HWC

Have a property under contract or a project you are evaluating? Tell us where things stand and what financing questions you need to resolve.

Find Out If You Prequalify Call 1-800-674-3804