Private Money Utah

Private Money Utah Private money and hard money loans, real estate loans, mortgage loans, stated income loans. http://pr We are a hard money lender based out of Salt Lake City, UT.

Our specialty is private money, non-bank loans for real estate including: hard money loans, commercial bridge loans, commercial hard money loans, private money mortgage, rehab loans, land loans, and construction development loans. We focus on loan amounts from $25,000 to $10 MM in Utah, Colorado, Arizona, Texas, California, Washington, Oregon, Chicago, IL, New York, New Jersey, Baltimore, Maryland, Philadelphia, Pennsylvania, and Atlanta, Georgia.

06/01/2026

Many new investors focus on the purchase price and rehab budget, but they forget the silent killers of ROI: property taxes, insurance premiums, utilities, and agent commissions. If you aren't factoring in the total cost to exit—including your cost of capital—you aren't really analyzing a deal; you're gambling. What is the one cost you always make sure to budget for in your rehab projects?

05/01/2026

Why did the bank say no to a $500k house with zero mortgage?

Because banks are in the 30-year interest business, not the 90-day renovation business. We stepped in for Teresa and James in Ogden, UT when their renovation stalled and the cash stopped flowing.

We focus on your equity, not the bank’s timeline. $50,000 funded in under 10 days to get this project across the finish line.

04/17/2026

Are you still using the 2021 design playbook for your fix and flips? In 2026, failing to stay on trend is a $60,000 mistake. Buyers are moving away from sterile, all-white environments and demanding soul, warmth, and bold color choices like sage green and dark blue.

If your project feels more like a clinic than a sanctuary, it’s going to sit on the market. Are you still seeing success with all-white designs in your area, or are you making the switch to moodier tones?

04/13/2026

The real estate market hasn't been this slow since the last major financial crisis. I am seeing clients with beautiful, clean, well-priced homes that have been sitting since September. We are now in March, and the only thing moving is their bank balance—straight down.

In 2026, holding costs are the silent killer of the fix-and-flip industry. You cannot assume a quick exit anymore. If your project doesn't have enough margin to sustain a 9-month carry, you are gambling, not investing.

Are you adjusting your exit strategies to account for longer days on market, or are you still banking on a 90-day turnaround?

03/09/2026

Most banks looked at this house and saw risk. Leaking roof. Half-finished DIY work. Incomplete ADU. A seller with a short timeline and credit issues.

We looked at the same Oakley, Utah property and saw something different. The homeowner had major equity and a clear plan to turn a messy house into a market-ready asset.

That is what bridge lending is built for. We funded the repairs, helped create a path to resale, and turned a property banks would not touch into one with six-figure upside.

If you have a listing that needs rehab before it can sell for what it is really worth, this is exactly the kind of deal we structure every day.

02/06/2026

Ater 17 years as a hard money lender, I’ve learned this:
Most deals don’t fail because they’re bad deals—they fail because the borrower isn’t prepared.

I recently dealt with a first-time flipper who had potential, experience, and ambition… but zero organization. No numbers. No plan. No answers. And over time, that makes lenders hesitate.

If you want fast approvals and smooth closings, there’s a right way to approach a hard money lender—and a very wrong way. This video breaks down both.

02/03/2026

The Wall Street Journal is reporting that the housing market is swinging back toward buyers, with nearly two-thirds of purchasers snagging discounts last year. We are seeing home sales hit levels not seen since 1995, but this isn't a dead market—it is a motivated one.

While big banks are getting cold feet and tightening their lending requirements, savvy investors are finding massive leverage. Sellers are now offering 2-1 rate buy-downs and significant price cuts to move properties.

If you are waiting for interest rates to drop, you are missing the window to negotiate a 20% discount today. Don't let the headlines scare you into staying on the sidelines.

At High West Lending, we are still actively funding investment deals. We close in days, not months, helping you capitalize on these market shifts while the traditional banks are stuck in the mud. Reach out today to get your next deal funded.

01/14/2026

This deal almost died over paperwork.

A buyer had a deeply discounted rental under contract in Driggs, Idaho. His big box hard money lender was still chasing documents on day ten—with only 48 hours left before the seller walked and kept the deposit.

We treated it like a schedule, not a crisis. Day one: inspection, value, rehab budget, title, insurance. Day two: underwriting cleared, docs signed, funds wired, deal closed.

That’s how you protect deposits and create instant equity. Speed is a system.

2025 delivered: Housing inventory up 16.4% YoY to 757K listings (Homes.com). Bidding wars easing. Investor margins expan...
12/30/2025

2025 delivered: Housing inventory up 16.4% YoY to 757K listings (Homes.com). Bidding wars easing. Investor margins expanding.

Speed matters when supply shifts. High West Lending closes fast so you lock in these opportunities.

Built for real estate pros in the West.
DM ‘INVENTORY’ or visit highwestlending.com to talk your next deal.

12/12/2025

Most banks only see problems when they look at a half-finished construction project. To them, it’s “too risky,” especially when the borrower’s credit has taken a hit from all the lines of credit used to build.

We look at deals differently. In this case, there was over 50% equity spread, plenty of the borrower’s own cash in the project, and a strong construction track record. We verified asset value, cash invested, and the true cost to complete—with a healthy buffer—then closed in just 13 days so he could get back to work.

He finished construction in under three months, sold the property within five months of listing, and made a six-figure profit. Our loan was in place for eight months total—taking the deal from “disaster” to profit while the banks were still saying no.

If you’ve got a stalled project or know someone whose deal is stuck in limbo, we may be able to help. Reach out to High West Lending and let’s see if the numbers work.From Half-Finished House to Profit with Hard Money

Address

560 South State Street F-1C
Orem, UT
84058

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+14355651768

Website

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