For Borrowers
A straightforward path from first call to funded. Our online portal keeps you informed at every step, with the option to pick up the phone whenever you need a human.
For borrowers →A direct private lender since 2009
Capital at the speed of opportunity.
Bridge, construction, rehab, and rental loans funded fast, with terms built for the deal in front of you.
Who we serve
Built for how smart investors actually work.
Every part of our process is designed around the way our partners make decisions.
For Mortgage Brokers
A reliable capital partner for the deals traditional lenders won't close. Dedicated account managers, transparent pricing, and protected commissions on every referral.
For brokers →By the numbers
A track record built over nearly 20 years.
2009
Year established
$200M
Invested in real estate
Nationwide
Lending in 45 states
Loan programs
Capital for every stage of the deal.
Four programs, structured around how investors actually work.
01 — Ground up
New construction
Single family, multifamily, and small subdivisions. Funded in tranches that match your build schedule.
7.9% From 90% LTC 24mo Term
Details →
02 — Rehab
Fix & flip
Purchase plus rehab, structured for speed-to-close and fast draws so the project stays on budget.
100% Rehab 85% LTC 12–24mo Term
Details →
03 — Bridge
Short-term bridge
For value-add acquisitions, time-sensitive opportunities, or transitions between long-term financing.
80% LTV 7.9% From 6–24mo Term
Details →
04 — Hold
30-year rental
DSCR-based long-term financing for investor-held single family and small multifamily portfolios.
30yr Amort 1.0+ DSCR 80% LTV
Details →Where we lend
Nationwide coverage, licensed where required.
Active in 45 states and Washington, D.C. Not all programs are available in every state — your account manager confirms eligibility on the first call.
We lend here
Not yet
Our approach
Most lenders optimize for paperwork.
We optimize for the deal.
Alta was founded in 2009 by a real estate investor who got tired of watching good deals die in underwriting. Fifteen years later, the thesis is unchanged.
We evaluate projects the way operators do — against the plan, the property, and the exit. Credit matters. Experience matters more. We close when the numbers work, not when the checklist is finished.
That means a faster "yes" when it's there, a clear "no" when it isn't, and a principled conversation when it's somewhere in between. Every loan goes through people who have been on your side of the table.
Read about our process →What borrowers say
Relationships outlast deals
★★★★★
"Alta closed our construction loan in nineteen days. That's not a sales line — that's what happened. We brought them three more deals that quarter."
Michael R. Developer · Phoenix, AZ
★★★★★
"The portal keeps my team in sync and the account manager actually picks up the phone. After twelve years of hard money, that's rare."
Sarah K. Fix-and-flip operator · Denver, CO
★★★★★
"I refer deals to Alta because they protect my commissions and close cleanly. Simple as that."
David C. Commercial mortgage broker · Los Angeles, CA
Have a deal? Let's get it closed.
FAQ
Common questions, straight answers.
How quickly can you actually close? +
Fast. We close bridge and fix-and-flip loans in days, not months. New construction follows close behind. When the file is clean — full verification, clear title, a property our team knows — we move even faster.
What loan sizes do you handle? +
We fund a wide range — from single-property rehabs to large-scale construction. Most of our deals land in the mid-market, but we structure up and down from there. See program details →
Do I need a high credit score to qualify? +
Credit matters, but it isn't the only gate. Experience and the deal itself drive our underwriting. We've closed with a range of credit profiles when the project and the operator warranted it.
Which states do you lend in? +
We lend nationwide where applicable. Licensing rules vary by state and program — for owner-occupied properties we're licensed in select states only. Our team confirms eligibility on the first call.
Do you work with mortgage brokers? +
Yes, and we protect commissions. Our broker program includes dedicated account managers, transparent pricing, and co-branded materials. Deals are tracked end-to-end so you know exactly where each file stands.
What happens if my project goes over budget or off schedule? +
Talk to us early. We've underwritten thousands of these projects and we plan for variance. The borrowers who struggle are usually the ones who hide the problem from their lender, not the ones who flag it at week three.
Get a quote
Tell us about the deal.
A real human will reply within one business day. Every deal starts with a conversation — not a form letter.
- A dedicated account manager on every deal
- Transparent pricing and clear guidelines
- A relationship that lasts beyond the closing table
Insights
Notes from the desk.
DSCR & Rental
What Is a DSCR Loan? How It Works in 2026
A DSCR loan qualifies your rental property on its cash flow, not your income. Here's how DSCR is calculated, what it takes to qualify, and why investors are using it in 2026.
Guides
Hard Money Construction Loans: The Definitive Guide
Hard money construction loans are short term loans used to finance the construction of a real estate project. They generally last from 12 to 24 months and are i…
How To
Most Common Home Inspection Findings
A home inspection is an assessment of a home’s physical condition and is conducted by a licensed home inspector who is trained to visually identify issues with …