Loan Types

The Company originates a wide variety of loans, including residential and commercial construction loans, fix-and-flip loans, as well as a variety of consumer loans, which range from short-term bridge loans to “mini-perm” owner-occupied loans. Our maximum loan size is $3 million and most loans are short-term, one to three years. The consumer loans have a 30-year term, but typically are repaid much sooner. Herzer Financial Services, Inc. loans include:

Construction Loans

Herzer Financial Services, Inc. makes construction loans of all types, for builders and developers who look to build and sell, and to owners building their dream home.

Learn More >

Fix & Flip

Real estate flippers need the speed, flexibility and capacity that Herzer Financial Services, Inc. offers. We can close a loan in three days and creatively solve problems along the way. From minor scopes of work to major additions, we team together to structure a loan that works best for you.s

Learn More >

Consumer Bridge Loans

Herzer Financial Services, Inc. has the licensing and expertise required to solve the age-old problem of buying a new home without first having to sell your existing home. These popular loans save homeowners from having to make contingent offers or make unnecessary moves, and give them the opportunity to fix-up both homes while they are unoccupied.

Learn More >


We make loans on commercial property for a wide variety of purposes. Whether it is purchase, a second loan, a construction loan for tenant improvements, and more, we have you covered.

Consumer Refinance or Purchase

For refinances, we make owner-occupied refinance loans that banks typically won’t. If you need a large cash-out refi or a larger debt consolidation loan, Herzer Financial Services, Inc. will consider many difficult scenarios to find the right fit. Perhaps you wish to do a major remodel, but don’t want to suffer a full bank application? We can help! For a purchase or refinance Herzer Financial Services, Inc. will consider owner-occupied homes even if the borrower has had a recent foreclosure or short sale.

Not everyone can qualify for a bank loan.  In fact, applicants are often turned down for reasons that make little sense. Private lenders don’t restrict themselves from sensible opportunities. We make loans even if you had a gap in employment, had a recent foreclosure or bankruptcy, or have other circumstance that banks find unfavorable. Whatever the reason, we may be able to lend you money to buy your next home.

Learn More >

Apartments, Office, Retail, and Special Use

We fund deals that other lenders will not, including short-term bridge loans, rehab loans in 2nd position, reverse 1031 exchanges, non-recourse loans, cash-out refi’s and ground-up construction, all in a package that meets your needs. Often commercial property needs to be repositioned with new tenant improvements, signage, parking and general rehab.

Learn More >

Ready? Start the simple application process…