Asset-Based Loan Programs

Harbor Lending is a mortgage lender focused on bridge and investment financing. Our programs are asset-based; the story, the equity, the assets, and the exit strategy drive the decision. One relationship manager. One lender. Subject to approval and program guidelines.

Buy Before You Sell

Consumer Bridge Loan

Help qualified homeowners use equity from their current home to purchase the next home before selling.

  • Buy before selling or listing the current home.
  • One loan secured by two properties.
  • Available for primary residences and second homes.
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Put Your Equity to Work

Business Purpose Loan

Fast, asset-based capital for real estate investors using available equity for their next project.

  • Acquisition and fix-and-flip financing.
  • Transitional refinance and equity extraction.
  • Up to 24 months with interest-only payments.
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Protect the 1031 exchange process

1031 Exchange Loan

Asset-based acquisition financing for replacement property within 1031 exchange timing requirements.

  • Standard, reverse, and build-to-suit exchange scenarios.
  • Cross-state collateral where permitted.
  • 12-month, interest-only loan term.
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Harbor Lending does not provide tax, legal, or 1031 exchange advice. Borrowers should consult their tax advisor, legal counsel, and qualified intermediary regarding 1031 exchange requirements and deadlines.