Latest Rates
DSCR 30-Fixed: 5.5% Hard Money: 8.5% Bridge: 7.0% Fix & Flip: 7.75% Ground-Up Construction: 8.5% Commercial: 5.0%
DSCR 30-Fixed: 5.5% Hard Money: 8.5% Bridge: 7.0% Fix & Flip: 7.75% Ground-Up Construction: 8.5% Commercial: 5.0%

Loan Programs

Investment Loan Programs

Flexible financing solutions built specifically for real estate investors

DSCR Loans from New Century Mortgages

DSCR Loans

Qualify based on property cash flow, not personal income. No minimum DSCR required. Rates from 6.25%.

New Century Mortgages offers Bridge Loans

Bridge Loans (Fix & Flip)

Fast, short-term financing for fix-and-flip projects. Close in 5 days. Up to 100% of rehab costs financed. 4-day draw processing.

New Construction

Ground-up construction financing for experienced builders. Build to rent or build to sell. Competitive terms for infill development.

Hard Money / Asset Based

Loan decisions based on property value, not credit. Construction draws in 4 days. Quick approvals for time-sensitive deals.

Portfolio Loans

Consolidate 5+ rental properties into one loan. Single payment, better cash flow. Lower rates and origination fees.

Commercial Real Estate

Multifamily 5+, mixed-use, office, retail, industrial. Financing for stabilization and value-add projects.

New Century Mortgage Rates
Updated Daily
30-YR FIXED

6.9%
1-Week Change
−0.04
1-Year Change
−0.02
Monthly Avg
6.3%
52-Week Avg
6.71%

Fast Approval

Pre-Approval in Minutes, Not Weeks

Traditional lenders make real estate investors wait weeks for a decision. Our AI-driven underwriting engine analyzes your deal in real time — delivering a term sheet and pre-approval letter the same day you apply.

95% Faster Than Traditional Lenders

Average approval in under 10 minutes

Same-Day Pre-Approval Letters

Receive your pre-approval within hours so you can make competitive offers on investment properties immediately.

Automated Document Verification

Our AI processes bank statements, rent rolls, and property data instantly, eliminating manual back-and-forth.

Streamlined Closing Process

From application to funding, our technology-driven workflow closes DSCR loans and bridge loans weeks faster than the industry average.