Hard money loan documents & asset-based origination
Quote on the collateral, read the valuation and title, and generate the note, security instrument, and guaranty from attorney-drafted templates — the fast, asset-based way to paper a private loan, under your own brand.
A hard money loan is asset-based private financing underwritten primarily on the value of the real-estate collateral rather than the borrower's credit or income. It is typically short-term, interest-only, and faster to close than a bank loan, and is used for business-purpose deals like acquisitions, flips, and bridges. “Hard money” is an umbrella term that often overlaps with bridge and fix-and-flip lending.
To produce its documents, docOrder quotes the deal from your own LTV rules on the collateral, reads the valuation and title commitment into the file, and assembles the promissory note, mortgage or deed of trust, and guaranty from attorney-drafted templates by deterministic find-and-replace — unlimited, with no per-deal document fee.
How docOrder handles a hard money loan
One branded link runs the file from quote to closing package. Here is the path a hard money deal takes through the engine.
Quote on the collateral
A borrower or broker opens your branded link and prices the deal on the property's value against the LTV, rate, and point rules you set — no credit pull.
Term sheet e-signed, file opens
The quote becomes a branded term sheet the borrower e-signs; the file opens at the front of your pipeline.
Valuation & title ordered to your vendors
The appraisal or BPO and the title/escrow orders go to your pre-programmed vendors on your timing, nothing re-typed.
Documents read into the file
The valuation and title commitment are read into the file — vesting, legal description, and APN captured — and the APN is cross-checked across title and appraisal.
One click: closing package
When every field is verified, your state-specific package — note, mortgage or deed of trust, loan agreement, and guaranty — generates from attorney-drafted templates.
Documents a hard money loan needs
A hard money file is deliberately lean — the collateral carries the deal. Here is the usual intake and what the engine produces.
Intake & underwriting
- Appraisal or BPO of the collateral
- Title commitment / preliminary report
- Purchase contract (purchase) or payoff statement (refi)
- Borrower / guarantor ID
- Entity formation docs
- Evidence of hazard insurance
- Exit / takeout plan
Closing package the engine generates
- Promissory note (interest-only)
- Mortgage or deed of trust (state-specific)
- Loan agreement
- Personal guaranty (entity borrowers)
- Business-purpose / non-owner-occupied certifications
- State-specific riders & disclosures from attorney-drafted templates
Typical hard money loan terms
What these loans commonly look like in the business-purpose market, so you can set your own box.
| Term | Typical market range |
|---|---|
| Term | 6–18 months, interest-only |
| Loan-to-value | up to ~65–70% of as-is value |
| Underwriting | collateral-first; credit/income secondary |
| Speed | days, not weeks, to close |
| Points | ~2–4 origination points |
| Purpose | business-purpose / non-owner-occupied only |
Ranges above are common business-purpose market terms for context only — not a docOrder product, offer, or guarantee. You set your own pricing and credit box; the engine quotes every deal from your own LTV and rate rules.
How the engine quotes, reads & generates it
Quoting. The pricing engine runs an asset-based deal from your own LTV and rate rules on the collateral value and turns it into a branded term sheet the borrower e-signs — the fast, first-to-quote path that usually wins a private deal.
Reading. As the valuation and title come back, the engine reads them into the file: vesting pulled verbatim from title, legal description and APN captured, and the value tied to the deal. It flags wrong-party and placeholder defects and blocks generation if the APN on title and appraisal disagree.
Generating. Your closing package is assembled by deterministic find-and-replace from attorney-drafted templates — the legal templates and the loan documents the engine produces never go to an outside AI. Every field is verified and every render swept for placeholders before the package ships. Generation is included and unlimited with no per-deal fee across 38 states and growing.
Hard money loan FAQ
The questions lenders ask most about hard money loans and producing their documents.
What is a hard money loan?
A hard money loan is asset-based private financing underwritten mainly on the value of the real-estate collateral rather than the borrower's credit or income. It is typically short-term, interest-only, and quicker to close than a bank loan, and is used for business-purpose deals such as acquisitions, flips, and bridges.
How is hard money different from a bank loan?
A bank loan is underwritten heavily on the borrower's credit and income and can take weeks. A hard money loan is collateral-first: the property value drives the decision, so it can close in days, usually at a higher rate and with more points, and it is for business-purpose rather than owner-occupied use.
What documents does a hard money loan need?
Intake is usually lean: an appraisal or BPO of the collateral, a title commitment, a purchase contract or payoff statement, borrower and entity documents, and evidence of insurance. The closing package typically contains the note, the mortgage or deed of trust, a loan agreement, and a guaranty for entity borrowers.
What are typical hard money terms?
Hard money loans commonly run 6 to 18 months, interest-only, with loan-to-value up to roughly 65 to 70 percent of as-is value and two to four points, and they close quickly. These are general market ranges; the lender sets the actual terms and docOrder quotes each deal from the lender's own rules.
Is hard money the same as a bridge or fix-and-flip loan?
Hard money is an umbrella term for asset-based private lending, and it often overlaps with bridge and fix-and-flip loans, which are specific uses of that capital. A bridge loan covers a timing gap and a fix-and-flip loan funds a renovation in draws; both are frequently funded as hard money.
How does docOrder quote and generate hard money documents?
docOrder prices the deal from your own LTV and rate rules on the collateral, reads the valuation and title into the file, and assembles the note, security instrument, loan agreement, and guaranty by deterministic find-and-replace from attorney-drafted templates. The templates and the generated documents never go to an outside AI.
Is there a per-document fee for hard money loan documents?
No. Loan-document generation is included and unlimited on every plan, from $19 per month, with no per-deal or per-document charge — generate as many packages and redraws as your files need.
Other loan types
docOrder runs the whole business-purpose desk. Explore the rest.
Run your hard money closings under your own brand.
Quote it, read the documents, and generate the state-specific closing package from attorney-drafted templates — one engine you own, live in minutes.