HomeShieldPreferred
Our best rates for experienced investors.
- Rates from
- 7.75%*
- Purchase
- up to 90%
- Rehab
- up to 100%
Fix & flip loans
Hard money loans to buy, renovate and sell. Rates from 7.75%, with up to 100% of purchase and rehab for experienced investors.*
Four programs.
Pick your priority.
HomeShieldMax
Little to no cash into the deal.
- Purchase
- up to 100%*
- Rehab
- up to 100%
- Best for
- 10+ flips
HomeShieldFlex
Built for newer investors.
- FICO from
- 620*
- Loan-to-cost
- up to 93%
- First-time investors
- welcome
HomeShieldZero
Keep cash in the project during the rehab.
- Payments
- none for 6 months*
- Upfront lender fees
- $0*
- FICO
- 640+
*For qualified borrowers. Terms vary by experience, credit and property.
Not sure which program?
Answer three quick questions.
Your best match
HomeShield Preferred
Our lowest rates, for investors with a track record.
100% Rehab Financing
Rehab funds are released in draws as the work gets done.
No Income Docs
No W-2s or tax returns. We look at the deal, your credit and your cash.
Flip or Hold
Decide to keep it? Refinance into one of our rental loans with no seasoning wait.
Fix & flip questions
Can first-time investors qualify?
Yes. HomeShield Flex is built for newer investors, with FICO options from 620.
Can I really finance 100% of the purchase and rehab?
Yes, with HomeShield Max, for investors with 10+ completed flips and strong credit, as long as the loan stays within 75% of the after-repair value.
How does "no payments for six months" work?
HomeShield Zero skips monthly payments for the first six months and has no upfront lender fees, so your cash stays in the project while you renovate.
Do I need an appraisal?
Not always. Some programs can use an internal valuation instead of a traditional appraisal, which saves time and money.
How long is the loan term?
Most fix & flip loans run 12 months, and many programs offer extensions if the project needs more time.