Hard Money Lender in Frederick County, Virginia
Fix & flip, bridge, new construction, DSCR and probate financing for investors in Frederick County, Virginia, from Stephens City and Middletown to Lake Frederick, Stephenson, Clear Brook and Gore. Loans from $50,000, written approval within 24 hours, subject to underwriting. (This is Frederick County, Virginia, not Frederick County, Maryland.)
Frederick County Loan Programs for Investors
- Fix & Flip$50K–$2M · 10.49–12.99% · Older farmhouses, mid-century ranches and suburban homes around Winchester
- New Construction$50K–$2M · draws on a schedule set at closing · Lots in new subdivisions and rural parcels
- Bridge Loans$50K–$2M · up to 80% of purchase · Close fast on estate, auction and land purchases
- DSCR Rental Loans$50K–$3M · qualify on the rent · Single-family rentals in the Winchester area
Frederick County is the far western edge of the DC-area market. Housing costs generally run below Loudoun and Fairfax, which attracts buyers willing to commute, and the county mixes new construction with older rural homes that need full renovations. Because comparable sales can be thin in rural areas, we look closely at the nearest finished sales and the exit before we size a loan.
Investing in Frederick County: what to know
Top of the Shenandoah Valley
Frederick County is Virginia's northernmost county, at the top of the Shenandoah Valley along I-81, with Route 7 and Route 50 running east toward Loudoun County. It is a mix of orchards and farmland, older farmhouses, mid-century homes around Winchester and newer subdivisions east and south of the city, which gives investors a lower entry basis than Northern Virginia.
Fix & Flip →Winchester is a separate city
Winchester is the county seat, but it is an independent city with its own building inspections office, so a Winchester mailing address can be in the city or the county. We confirm the parcel's jurisdiction before closing, because it decides which office issues the permits.
Bridge Loans →Permits through Building Inspections
County permits run through the Frederick County Building Inspections Department on North Kent Street in Winchester. For new one- and two-family homes, the county requires a preliminary erosion and sediment control inspection before it releases the building permit, which we plan into the draw schedule on ground-up builds.
New Construction →Wells, septic and land
Outside the developed areas served by public water and sewer, many parcels rely on wells and septic. Larger lots support ground-up builds and renovations with additions, and we review well and septic reports with the budget so the project is sized correctly.
New Construction →What we look at on a Frederick County file
- County or city. Whether the parcel is in Frederick County or the City of Winchester, and in which of the county's towns, Stephens City or Middletown, if any.
- Utilities. Public water and sewer versus well and septic, and the condition of private systems on older homes.
- Rural and agricultural land. Zoning on farm parcels limits how land can be divided, which matters for any lot-split or build plan.
- Commuter demand. Buyers and renters often commute east toward Loudoun and Fairfax, so resale and rent depend on access to Route 7, Route 50, I-81 and I-66.
- Inherited homes. Estates for county residents are generally handled through the Clerk of the Frederick County Circuit Court in Winchester, and our probate loans can pay off liens or fund repairs once someone has authority to sign.
Communities we finance in Frederick County
Clear Brook, Cross Junction, Gainesboro, Gore, Kernstown, Lake Frederick, Middletown, Opequon, Shawneeland, Stephens City, Stephenson and White Post, plus county areas surrounding Winchester. If your property is elsewhere in Frederick County, Virginia, send us the address.
Frederick County loan terms
We’re a direct lender funding every loan in-house with our own private capital, so the team that approves your loan is the team that funds it.
- Loans from $50,000; fix & flip, bridge and new construction up to $2M
- DSCR rental loans up to $3M, priced separately from hard money
- Fix & flip and bridge rates from 10.49% to 12.99%, subject to underwriting
- Up to 100% of purchase and rehab when purchase plus rehab is 65% of ARV or less (loan over $500,000, experienced borrower)
- In-house valuation or broker price opinion (BPO), no full appraisal
- No minimum FICO, no tax returns, no debt-to-income ratio
- Written approval within 24 hours; clean files close in as little as 3 business days
Business-purpose loans on non-owner-occupied investment property. Rates, terms and leverage are subject to underwriting and change. Not a commitment to lend. Local rules summarized here are general information, not legal advice; confirm with the jurisdiction. Inherited property? Read our probate and heir property guide.
Frederick County Hard Money Questions
Is this Frederick County, Virginia or Maryland?
This page covers Frederick County, Virginia, in the Shenandoah Valley around Winchester. Frederick County, Maryland is a different county that is not currently in our lending area.
Do you lend in Winchester too?
Winchester is an independent city surrounded by Frederick County. We confirm whether a property is in the city or the county on every file; contact us with the address and we will tell you which programs apply.
Who issues building permits in Frederick County?
The Frederick County Building Inspections Department in Winchester. The City of Winchester has its own building inspections office for city addresses.
Do you finance new construction on rural lots?
Yes. We finance ground-up builds with a budget and draw schedule set at closing. On parcels with well and septic, we review those approvals with the plans before closing.
What are your hard money rates in Frederick County?
Fix & flip and bridge loans run from 10.49% to 12.99%, subject to underwriting, from $50,000 to $2M. DSCR rental loans go up to $3M and are priced separately.
How fast can you close in Frederick County?
Written approval within 24 hours and closings in as little as 3 business days on clean files, with an in-house valuation or broker price opinion instead of a full appraisal.
More Virginia areas: all Virginia areas we serve · Loudoun County, VA · Stafford County, VA
Have a Deal in Frederick County?
Send the address and your numbers. Written terms within 24 hours, subject to underwriting.