Capital that
closes deals.
Not paperwork.
Private lending for serious real estate investors. Fix & flip, ground-up construction, DSCR rentals — underwritten by people who've built the projects themselves.
— Our Programs
Structured for every
strategy.
From a single rental to a multi-million-dollar ground-up build — we underwrite to your project, not a rigid box.
Fix & Flip
Short-term acquisition + rehab financing with rapid draw schedules.
Ground-Up Construction
Vertical construction capital with flexible interest reserves.
DSCR Rental
30-year terms based on property cash flow — no personal income docs.
Bridge
Gap capital to close fast while you reposition or stabilize.
Commercial
Mixed-use, retail, and small-balance commercial up to $10M.
Cash-Out Refi
Pull equity from stabilized properties to fuel your next deal.
— The Process
Submit. Underwrite. Close.
Submit
Quick online scenario. No SSN pull, no commitment, no fees.
Underwrite
Term sheet from a senior underwriter — not a bot, not a script.
Close
Funds wired efficiently. Track every step in your portal.
— Why NHomesUSA
Built by investors,
for investors.
Our team has flipped houses, built spec homes, and stabilized rentals. We know what you need because we've been in your shoes.
Speed without shortcuts
We move quickly without sacrificing underwriting rigor.
Transparent pricing
Term sheets you can actually read. No surprises at closing.
Bank-grade security
Encryption-at-rest, MFA, and GLBA-compliant data handling.
Direct relationships
Talk to decision-makers. No call centers, no scripts.
They funded my project before my bank had even returned my email. The only lender I call first.
Let's fund your next deal.
Submit your scenario. We'll respond with terms within one business day.