Getting started
What does Iron Hill Mortgage do?
We're a mortgage company. We finance real estate investors across the U.S. with DSCR rental loans, fix and flip, bridge and ground-up construction loans. We also help people buy homes and refinance, including cash-out refinancing, in the states where we're licensed.
Is there a cost to talk with you?
No. The first conversation is free.
What do I need to get started?
Just your goal and a way to reach you. When you apply, we'll ask for income, asset and ID documents. We never collect your SSN on this website.
Who is Ashley?
Ashley is our AI text assistant at (615) 949-4780. She can answer common questions and help you book a time. Loan advice comes from our team, and home loan applications are handled by a licensed loan officer.
Investors
Do you finance investment properties?
Yes. We offer business-purpose DSCR, fix and flip, bridge and ground-up construction loans for non-owner-occupied investment property across the U.S. Availability varies by state. See investor loans.
Which states do you lend in?
Investor loans are available in many states, and availability varies by state and program. Home loans are offered only in states where we're licensed. You can check our licenses on NMLS Consumer Access.
Can I use an investor loan for a home I'll live in?
No. Business-purpose loans are only for investment property. For your own home, see buying a home.
Rates and costs
Why don't you show interest rates on the website?
Rates change daily and depend on the property, your credit, the loan and the market. Posting a rate that doesn't apply to you isn't helpful. For home loans, you get an official Loan Estimate with your real numbers when you apply. For investor loans, you get your options in writing for your deal.
What are closing costs?
Fees to complete your loan and purchase, such as lender, appraisal, title and government recording fees, plus prepaid items like insurance and taxes. Your Loan Estimate lists them.
How much do I need for a down payment?
It depends on the program, the home and your situation. We'll go over what applies to you, including the cash you'd need at closing.
The process
How long does it take to close?
It depends on the loan, the property, the appraisal and how quickly documents come in. We'll give you a realistic timeline for your situation and keep you updated.
Will checking my options hurt my credit?
If you apply, we'll tell you before any credit report is pulled.
Can I do everything remotely?
Most steps happen by phone, video, email and e-signature. Closing is handled with a title company.
Have a deal in front of you?
Send us the property, your strategy and your timeline. We'll tell you whether it fits and what we'd need to move forward.
Call or text (615) 949-4780 · Answered 24/7 for booking
Booked calls are with a member of the Iron Hill team. Home loans are handled by a licensed loan officer.