How our Lending Process Works

We use our real estate experience to give you a lending process that is straightforward and simple, providing you with the funds you need to renovate, build, buy, or refinance real estate quickly and easily. Our Interest rates start as low as 6%!

What sets us apart is our commitment to the relationships we build with clients. We focus on win-win scenarios and always conduct business with honesty, integrity, and transparency. We have earned a reputation as a reliable, responsible, and disciplined lender for the past 45 years and are happy to provide references at your request.

1. Talk With Us About Your Deal
   The first step is a conversation with one of our real estate professionals. You present the details of your deal to us in a short phone call or meeting.
2. We Assess the Deal and Make a Decision
   We use our experience as developers, investors, and creative lenders to evaluate your deal and make a quick assessment.
3. We Provide the Funds You Need
   At DFI, we use our own funds. No committees or red tape. After our assessment, if we’ve decided to provide the money you need, we’ll work with you to gather the necessary information and get the money into your hands to keep your project moving.

FAQs

What criteria must I meet to get the funds I need?
Because we’re executing complex deals that require creativity, we look at a number of factors to determine your eligibility for a loan. The first is your ability to execute your business plan. We want to work with borrowers with demonstrated experience to confidently follow through. If you don’t have experience, having an experienced team around you can make a difference in our assessment. We’re also looking for borrowers with “skin in the game” and sufficient collateral to secure the deal.

How is private lending different than a loan from a bank?
Banks typically work under stringent rules and regulations which limit their ability to provide loans in a variety of situations. Their process is typically slow and complex. As a private lender we are non-regulated, which means we are not bound by the same requirements as banks and typical financial institutions. This provides us with many opportunities to structure a loan more creatively. We also work much faster than banks.

What is the interest rate for your loans?
The nature of our deals tend to be more complex, requiring creative and innovative solutions. That’s why, while the rates we charge vary for each deal, our rates tend to be higher than those offered by a typical bank, but can be as low as 6%. However, our ability to creatively structure the deal and our fast response time often more than make up for the increase in interest. For example, many construction finance deals are so short that the difference in the interest rate is negligible in comparison to the convenience and time saved to get the deal done.

Are you a hard money lender?
No. We prefer the term private lender instead. We don’t chase rates. What sets us apart is our commitment to the relationships we build with clients. We focus on win-win scenarios and always conduct business with honesty, integrity, and transparency. We have earned a reputation as a reliable, responsible, and disciplined lender for the past 45 years and are happy to provide references at your request.