Serving Lavonia, GA
Private Money Loans in Lavonia, GA
Your Lavonia private money loans start with a real conversation. Private money and bridge financing in Lavonia, GA for investors who need speed — fix-and-flip, bridge, and asset-based loans that can close in days, not weeks. CDL Mortgage connects you with reliable private capital.
Why CDL MTG
Why Lavonia homeowners call us first.
Experienced loan officers, honest pricing, and a process that respects your time.
Competitive Rates
We shop multiple wholesale lenders on your behalf to find strong pricing for your exact scenario.
Flexible Terms
Options for W-2 earners, business owners, investors and retirees, not just picture-perfect files.
Fast & Simple Process
Clear next steps, a short document list, and quick turnarounds from application to approval.
Local Expertise
We work with Georgia escrow, title and appraisal partners every week, so your file moves smoothly.
The Process
Your path to closing on private money loans.
A simple four-step process, start to finish.
- Step 01
Talk to a Loan Officer
A quick, no-pressure conversation about your goals, timeline and budget.
- Step 02
Submit Your Documents
A short, secure checklist tailored to your loan — no guesswork, no busywork.
- Step 03
Get Pre-Approved
We shop lenders, review your Loan Estimate line by line, and issue your approval.
- Step 04
Close With Confidence
We keep you, your agent and escrow updated through funding day.
Local Expertise
Private Money Loans for Lavonia & Franklin County homeowners.
Lavonia is one of 5 incorporated cities in Franklin County, alongside Carnesville, Royston and Canon and others. Nearby, we also help borrowers in Bowersville (about 4 mi), Martin (about 6 mi) and Canon (about 6 mi).
Rooted in Lavonia
CDL Mortgage Services Inc. helps buyers and homeowners across Lavonia and the rest of Franklin County navigate the private money loans process from first conversation to final signature. We are fully licensed to lend in Georgia and support Lavonia borrowers with the same responsive, personal process our home-market clients receive.
One Point of Contact
You will always know who is working on your loan. Your loan officer compares lenders for you, explains your costs in plain language, and keeps everyone on the transaction informed until closing.
Matched to Your Goals
In addition to private money loans, Lavonia clients also come to us for private money loan, hard money loan, bridge loan, and more. Whatever your situation — first home, move-up purchase, investment property, or tapping equity — we’ll match you with the right program.
Get a free Private Money Loans quote in Lavonia, GA
A licensed loan officer will reach out with your options — no obligation, no credit pull to start.
Prefer to talk? (916) 624-0767
How It Works
How private money and hard money lending work
Private money is asset-based, short-term financing funded by private capital rather than a bank. The property secures the loan and speed is the product you are buying.
- 01
Evaluate the asset
Value, condition and exit potential drive the decision far more than your tax returns.
- 02
Set the leverage
Typically 65–75% of value, and on rehab deals a percentage of purchase plus a rehab holdback.
- 03
Light documentation
Identity, title, insurance, a clear exit plan and proof of funds to close. No lengthy income packages.
- 04
Fast underwriting
Many deals fund in one to three weeks — the reason investors use private money at all.
- 05
Interest-only term
Interest-only payments for 6 to 24 months, sometimes with interest reserves built into the loan.
- 06
Execute the exit
Sell, refinance into a DSCR or conventional loan, or complete the project. The exit is underwritten on day one.
Your Options
What private money is used for
These are the situations where private capital consistently earns its higher cost.
- Fix & flip
- Purchase plus rehab funds with draws as work is completed.
- Bridge financing
- Close now, repay when your other property sells or permanent financing lands.
- Auction & distressed purchases
- Fast, certain funding on properties banks will not touch.
- Cash-out on investment property
- Pull equity quickly without a full income-documented refinance.
- Land & unusual assets
- Property types outside conventional guidelines.
- Rescue financing
- Save a deal when another lender fails days before closing.
Honest Advice
Using private money without getting hurt
Private money is a scalpel. Used correctly it is enormously profitable, and used carelessly it is expensive.
Ideal for you
A great fit if you have…
Clear, fast exit
You know exactly how the loan gets repaid and when. That is the entire test.
Speed creates the profit
When closing in ten days wins the deal, the rate difference is trivial against the spread.
Real equity in the deal
Meaningful skin in the game gets better terms and protects you if the market shifts.
Another program may win
Consider alternatives if you have…
Long-term hold
Never hold private money as permanent financing. Refinance into DSCR or conventional.
Optimistic rehab budgets
Underestimating the rehab is the most common way these deals go wrong. Build in contingency.
Primary residence needs
Consumer-purpose loans on your home are rarely appropriate here. Use a conventional or non-QM program.
Service Area
Where we lend around Lavonia.
Credentials you can verify.
CDL Mortgage Services Inc. · NMLS #132263 · Equal Housing Lender
Google Reviews
What Our Clients Say
Eli is the man. Best rates and always available to speak. 10/10 would recommend
Left a 5-star rating.
Eli Shannon was truly on top of everything! He’s knowledgeable, and as a mortgage broker, he guided me through securing a loan seamlessly. He helped me through the entire process efficiently and got things done right on time 👍
About Us
Who is CDL Mortgage?
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for Lavonia borrowers.
Full-Service Mortgage Company
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Headquartered in Rocklin, CA
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Real Loan Officers, Not Call Centers
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
NMLS #132263 · Equal Housing Lender
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.
Questions
Private Money Loans FAQs
What is a private money loan?
A short-term, asset-based loan funded by private capital rather than banks. Approval is driven by the property’s value and your exit strategy, letting deals close in as little as 5-10 days.
When does a private money loan make sense?
Fix-and-flip projects, auction purchases, bridge situations between buying and selling, properties that won’t pass conventional appraisal condition standards, or any deal where speed wins the contract.
What are typical private money terms?
Terms usually run 6-24 months, interest-only, at 65-75% of value with rates higher than conventional financing — the tradeoff for speed and flexibility. We’ll map your exit into a refinance or sale.
Can I finance renovation costs too?
Yes — many fix-and-flip programs fund a percentage of purchase plus 100% of the rehab budget, released in draws as work completes.