Hopkins Financial Services, Inc - nmls#2631

02/13/2026

In observance of President’s Day, Hopkins Financial Services will be closed on Monday, February 16th.

We’ll resume regular business hours on Tuesday, February 17th.

Wishing you a safe and meaningful holiday! 🇺🇸

01/28/2026

This post is a little late, but I wanted to share how grateful I am. We had a great evening (a little over a week ago) taking the Hopkins Financial crew (and their spouses) out for an amazing dinner at Coa Del Mar to celebrate them—their hard work, dedication, and everything they do to help drive our success as a company.

It was also a lot of fun to step away from the normal workday, relax, and spend some time together outside the office.

Proud of this team and truly thankful for each of you. And a big thank you to Randy & Jo for helping make nights like this happen.

01/16/2026

In observance of Martin Luther King Jr. Day, our office will be closed Monday, January 19. We’ll resume normal business hours Tuesday, January 20.
On Monday, let’s honor Dr. King’s legacy—and the continued work of building stronger, more inclusive communities.

01/08/2026

A quick note from Hopkins Financial!

Our office hours have changed slightly for 2026.
Effective Monday, January 12, 2026:
🕗 Monday–Friday | 8:00am–5:00pm

Need to make a payment after 5:00pm? We have a payment drop box at our front door, and you can always make payments online.

Questions? Call 208-HOP-KINS (208-467-5467).
Thank you for allowing us to serve you!

01/06/2026

Starting 2026 with a question: Are you planning to purchase or refinance real estate this year? 🏡

If you’ve had past credit challenges and think you need to “wait,” you may have more options than you realize. Private money lending can help bridge the gap so you can move forward now—then refinance later when you qualify for conventional financing.

We just posted our first blog of 2026: “New Year, New Deal: What Private Money Lending Is (and Isn’t) in 2026.”
Read it here ➜ https://hopkinsfinancial.com/new-year-new-deal-what-private-money-lending-is-and-isnt-in-2026/

12/31/2025

Wishing everyone a happy, healthy New Year from Hopkins Financial Services.
Please note our holiday schedule: closing at NOON on Wed, Dec 31; closed Thurs, Jan 1 and Fri, Jan 2; reopening Monday, Jan 5.
Thank you for a great year—here’s to an even better 2026.

12/30/2025

“Why are private money interest rates higher than conventional loans?”
We get this question all the time at Hopkins Financial Services — and it’s a fair one.

The honest answer: private money is more expensive by design. It’s built to solve problems conventional lenders often can’t — tight timelines, non-conforming or rural properties, complex income, credit events, or bridge situations.

So private money really comes down to a Cost vs. Benefit decision:

👉 Is the benefit of getting the loan done (when banks won’t) worth the additional cost?
👉 And how soon can you refinance into a lower-cost conventional loan?

When used correctly, Hopkins Financials’ private money loans act as a bridge — helping borrowers close now, stabilize the situation, and refinance later.

If you’re weighing your options, we’re happy to help you think through the numbers and the timeline. To read more go to: https://hopkinsfinancial.com/news/

12/24/2025

12/23/2025

When Capital Capacity Matters: $9M+ Joint Venture Structured by Hopkins Financial

Sometimes the challenge isn’t finding great deals—it’s having enough capital and bandwidth to capture all of them.

We recently helped a seasoned developer who already had multiple projects underway but came across a major commercial opportunity with strong long-term potential. Rather than overextending their balance sheet, they chose to bring in a joint venture equity partner who invested over $9 million.

By structuring a JV, the developer:
• Preserved capital for other active projects
• Reduced concentration and leverage risk
• Kept a meaningful ownership stake and upside
• Strengthened their overall portfolio position

This is exactly where Hopkins Financial Services thrives—sitting between traditional lending and “do-it-yourself” equity and helping developers align with private capital and JV partners.

If you’re juggling multiple deals and see an opportunity that’s too good to pass up, but your equity is tied up elsewhere, we can help you explore:
✅ Joint venture equity
✅ Private money loans secured by real estate
✅ Bridge financing and creative capital structures

📞 Considering your next big project? Let’s talk.

Hopkins Financial Services, Inc.
Private money lending & real estate-backed financing since 1984.

12/10/2025

Thank you to everyone who joined us for our annual Hopkins Financial holiday party! 🎄✨

We’re incredibly grateful to be celebrating over 42 years in business here in the Treasure Valley. Our success is due in large part to all of you — our clients, investors, affiliates, business associates, family, and friends.

Also, a special thank you as well to Maddie’s Wine & Whiskey and their amazing staff for helping us pull off this event year after year. We truly appreciate your great service, excellent food, and the fantastic atmosphere you create for our guests. 🥃🍽️

Thank you all for being such an important part of our story and for sharing this holiday season with us.

Merry Christmas from all of us at Hopkins Financial! 🎁❤️

11/26/2025

Happy Thanksgiving! 🦃
We’re grateful for our amazing clients, partners, and friends.
Please note our holiday hours, and have a safe, happy Thanksgiving!

11/25/2025

This Thanksgiving, all of us at Hopkins Financial Services are especially thankful for you—our amazing clients. 🧡

You’re the ones who saw the value in hard money and private money loans when conventional financing couldn’t get your deal across the finish line. Whether it was a home purchase, debt consolidation, bare land acquisition, or a development project, you trusted Hopkins to step in when timing, property type, or guidelines made bank financing difficult.

Yes, hard money is more expensive than conventional loans—but for many of our clients, the cost of missing out on a great opportunity would have been much higher. From fast closings to flexible, real estate–based underwriting, Hopkins hard money loans have helped “save the day” for countless transactions since 1984.

From our Hopkins family to yours, thank you for your trust and partnership. 🙏
We’re grateful to be part of your real estate journey—this Thanksgiving and all year long.
👉 Read the full Thanksgiving blog here: https://hopkinsfinancial.com/grateful-for-hard-money-why-were-thankful-for-our-clients-this-thanksgiving/

As Thanksgiving approaches, all of us at Hopkins Financial Services are reflecting on what we’re most grateful for—the clients who trust us with their real estate financing needs. From homeowners and investors to business owners and builders, you’ve chosen to work with a hard money lender when...