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.

07/28/2026

Everyone expected lower rates and a surge of home buyers this spring, but mortgage applications just hit their 4th consecutive year near rock bottom—down 35% from 2019. With rates holding at 6.5%, renting is now cheaper than owning in every major US metro. But while traditional buyers sit on the sidelines, investors are securing massive discounts like $100K off estate sales simply by closing in under a week. Are you making offers on discounted properties right now, or waiting for rates to shift?

07/13/2026

Most investors wouldn't touch this Midvale probate house because of the indoor pool. It looked like a literal swamp. But Landon saw what it could become. We funded the deal in 7 business days so he could move fast. Would you have taken on this risk?

07/02/2026

Tony was standing in a house with mountain views, solid bones, and a price $100,000 under market — with a five-day clock that could cost him everything.
The house wasn't the problem. His bank was. It needed a new roof, some paint, a handful of cosmetic fixes — nothing close to a teardown. But his bank couldn't move on his timeline, and the clock didn't care.

So Tony called us with five business days left. We evaluated the property, approved the loan, and funded it — all within those five days. He closed on time, kept his $10,000 deposit, and locked in a home $100,000 under market. He moves in next week.

Ever had a good deal on the line while your lender dragged its feet? Tell us what happened.

07/01/2026

Predatory lenders exploit tight deadlines on purpose. They know you feel trapped.
We funded a duplex in Idaho Falls with a 5-day closing window — same market terms, no premium for speed. Closed in 4 days.

Hard money is designed for speed by default. If your lender is charging extra for it, shop the loan.

Visit highwestlending.com — Have you ever had a lender change terms right before closing?

06/15/2026

If a hard money lender offers you terms that look like an absolute gift, it is probably a trap. I am looking at a fake term sheet right now that a borrower sent over: zero down payment, a five percent interest rate, no fees, and a thirty-year term. In this market, that is a complete fairytale.

Bait-and-ditch scammers rely on your optimism. They promise impossible terms, collect a massive upfront diligence fee, and then vanish into thin air.

hen you have the bait-and-switch lenders. They wait until forty-eight hours before you close—right when your earnest money is on the line and you have eliminated all your other funding options—to suddenly spike your interest rate, double the points, and force you into a bad deal.

A real private money lender makes money by actually closing loans, not by hoarding application fees. High West Lending has spent over eighteen years providing certainty of funding across the Mountain West. Have you ever had a lender try to alter your loan terms right before closing?

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.

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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