Direct Connection
No Middle Men.
We are the lender.
Simple Math
Great Rates and Loan Terms
Rates fall with LTV. No gimmicks. Simple as that. See Examples
Experience & Stability
Since 1980
Not every opportunity is a good fit. You can count on our commitments.

What We Do

We are a private hard-money lender assisting individuals and companies with short-term, investment (non-consumer) loans to purchase, refinance, or improve the following types of real estate assets.

Single Family

Single-Family Dwellings

LTV up to 75%

Multi-Family Dwellings

Multi-Family Dwellings

LTV up to 70%

Commercial Buildings

Commercial Buildings & Lots

LTV up to 60%

Developed Lots

Developed Lots

LTV up to 65%

Raw Land

Raw Land

LTV up to 50%

Who We Are

Although the primary criterion for the loan decision is still the value of the real estate collateral, we are easy to work with and have no desire to take advantage. If the situation is not win-win, we back away.

Application

It only takes a few minutes to see if we're the right fit.
Usually you'll hear back from us within one business day.


FAQs


How soon can my loan close?

Providing we have a title report and evidence of casualty insurance, next-day closing and funding is common.

Can you lend on a property purchased at a Trustee’s Sale?

Yes, if you have a title company who understands the process and can move quickly enough.

Do you lend on owner-occupied properties?

Not usually. However if the loan proceeds will be used for a business purpose, it is possible.

Do you do any type of consumer loans?

No.

What are your typical loan amounts?

$50,000 to $1,000,000

Do you do second mortgages?

Generally not.

Do you lend on any collateral other than real estate?

No.

Do you lend outside of Utah?

No.

Do you check credit or does my credit score matter?

We do not check credit; if the value of the collateral is sufficient we do not make a decision based upon your credit score.

Do you charge any fees (document preparation, underwriting, etc.) other than the origination fee?

No, but the borrower is responsible for the Lender’s Policy premium and title company closing costs. The borrower also pays a reconveyance fee when the loan pays off. The reconveyance fee is usually $80.00.

Is there a prepayment penalty if the loan is paid off before its maturity?

No.

Do you require a Lender’s Policy of Title Insurance?

Yes.

Do you require the use of a specific title company?

No.

Do you require hazard insurance on the collateral?

Yes unless the collateral is land or lots only.

Where will the transaction be closed?

Closing will occur at the title company.

On a fix-and-flip, can you include the funds that I plan to spend on improving the property in the loan amount?

Generally not.

Do you do construction loans?

If the collateral and/or LTV is exceptionally good we can do a construction loan.

Can you provide a loan approval letter?

Yes, but with conditions.

How do you determine LTV?

If the transaction is a refinance, value is determined by comparable sales. We have a real estate agent on staff.

If the transaction is a purchase, the value starts there – we recognize that purchase transactions are often under market.

Do you broker your loans?

No.

Can I bring you a loan and can I get paid for it?

You can be paid referral fees on commercial and/or land loans. Your company can be paid an origination fee on one-to-four family-dwelling loans if you are a licensed Utah Mortgage Loan Originator working for a Utah-licensed mortgage company.

Let's Talk

Still have questions? Contact us.
If you're ready for a loan, apply here.

4547 S. 700 E., Suite 100, Salt Lake City, UT 84107
tyler@integrityfundingutah.com
801-265-1040
NMLS ID: 858489