Hard money lending for brokers
GPS Capital works with mortgage brokers - and pays broker fees. We are the direct lender: every deal you send is underwritten, funded and serviced in-house, so your borrower gets one team from term sheet to closing and you get a lender that answers the same day. Send the property address, the loan amount and the borrower's goal.
What brokers get from GPS Capital
A same-day first review, real numbers within 2 hours on a complete submission, and closings in as fast as one week on well-documented files.
Rates 9.99% to 12.99%, 1 to 2 points, loans from $500K to $20M, up to 70% of after-repair value, typically 12-month terms. No minimum credit score. Closes as fast as one week - well-documented deals have funded in 3 to 5 business days.
No tax returns and no minimum credit score for the borrower in most cases - we underwrite the property and the exit.
What we lend on
Hard money and bridge loans on investment property nationwide: purchases, cash-out refinances, fix-and-flips, rehab, new construction and foreclosure bailouts - single family, 2-4 family, multifamily, mixed-use, condos, commercial and land. Separate programs for commercial DSCR and foreclosure bailouts have their own sites - see dscr.gpscapllc.com and foreclosure.gpscapllc.com.
How to submit a deal
Call 718-247-8863, email Deals@gpscapllc.com or use the form. Include the property address, the requested amount, the borrower's goal and timeline, and a purchase contract or property details when available. You stay in the loop from first review to closing.
FAQ
Broker FAQ
Does GPS Capital work with mortgage brokers?
Yes. Brokers are welcome on every deal, and GPS Capital pays broker fees. We are the direct lender - your borrower is never handed off to a third party.
How do I submit a borrower's deal to GPS Capital?
Call 718-247-8863, email Deals@gpscapllc.com or use the form on this page. The property address, loan amount and the borrower's goal is enough for a same-day first review.
How fast does GPS Capital respond to a broker submission?
A complete submission gets real numbers - rate, leverage and structure - within 2 hours. Well-documented deals can close in as fast as one week.
What terms can I quote my borrower?
Rates run 9.99% to 12.99% with 1 to 2 points, loans from $500K to $20M, up to 70% of after-repair value, typically 12-month terms. Every deal is priced on its own merits.
Does GPS Capital require borrower tax returns or a credit score?
No. There is no minimum credit score and no income verification in most cases - the loan is underwritten on the property and the exit plan.
Will you protect my borrower relationship?
Yes. You brought the deal, you stay in it - you are copied from first review through closing, and your borrower remains your borrower.
Have a deal? Get a response within 2 hours.
No obligation. If we can’t fund it, we’ll tell you straight.
Or call us now: 718-247-8863 Deals@gpscapllc.com