What Documents will I have to provide my Lender?

What do I need to do to receive a Loan pre-approval?


You need to Complete a Preliminary Terms request.


What do I need to do after the pre-approval if I want to move forward with the loan?


Completed loan application.

SOW Scope of Work.

LLC Docs.

Purchase and sale agreement if you have one.

Government ID


Where do I request Preliminary terms,

or Apply for a Loan?





The loan has been conditionally approved. 

What happens now?

  • Now that the loan has been conditionally approved, you will need to provide your HML with all the documents that will help them underwrite your loan.

  • Providing these documents in a timely matter will make the process much faster and easier.

  • If you have the documents stored in a digital folder and you can share them with your lender. This will make the process much faster and it will show your lender that you are different from from other investors. 

  • Note: This list may not be the same same for every lender, but having these documents updated and available will make it easier when the time comes.




What information do you need to provide to your HML?


Name of the Insurance Company

Proof of insurance before funding.

Insurance Agents full name

Phone number

Email Address


Mortgage payoff request

VOM subject

BP Disclosure form

Had Written LOE

Estimated Closing Statement


ID Forms

Evidence of hazard / Liability Insurance Coverage

Flood certification

Evidence of Flood Insurance

You must provide the following documents from your LLC/Entity for Underwriting.

  • Filed Articles of Organization/Certificate of Formation, including all amendments (or equivalent document required by the state).

  • Certificate of Good Standing (or an equivalent document) issued from the state in which the LLC was formed. The certificate cannot be dated more than 60 days prior to closing and must be provided regardless of the age of the company. 

  • Signed Operating Agreement, including all amendments, attachments and schedules, if any. Note: Should the LLC not have any operating agreement pursuant to its state law, aMember List shall be acceptable.

  • A complete Member List showing all members and managers and their respective ownership interests. 

  • EIN Number 

  • Any other documents or certificates as reasonably requested by VCC or required under state law.

  • If the property is located in a state other than the state in which the company is incorporated, the following documents issued from the state in which the property is located shall also be provided: 

  • A filed Certificate of Authority (or an equivalent document) showing the company is properly registered in that state. 

  • A Certificate of Good Standing (or an equivalent document) dated within 60 days of the loan closing. 

  • If the company’s ownership includes a non-natural person, documents concerning that entity may also be required to be submitted for revision. 

*Additional conditions may apply for rental properties.


PTD Conditions Description

  • Mortgage Pay-off Demand For subject property: For subject property

  • VOM Subject: Recent Mortgage statement and las 12 cancelled checks for proof of payment

  • BP Disclosure Form: And a CLA to be designed with LIVE SIGNATURE or DocuSign Only

  • Handwritten LOE: Describe business purpose, occupancy intent and proposed use for any cash received.

  • Must be on  borrowing Entity Letterhead.


Estimated Closing statement

  • Leases: For tenant occupying residence

  • ID Forms: Social Security Card 

  • Evidence of Hazard/ Liability Insurance Coverage: See Attached request form

  • Preliminary Title Report: Title commitment with 24 months chain of title, Plat map. Tax cert, Wire, ad PCL

  • Flood Certification: property in flood zone: Flood zone notice to be signed by borrower

  • Entity Documents: For your Entity ( Better Neighborhoods LLC)

  • Evidence Of Flood Insurance     

We have created this page for YOU. We want you to understand that there is still work to be done and that you still need to provide your Hard Money Lender (HML) with the documents that will help them to continue the underwriting process. Once all documents are in place your HML will provide final terms for your approval for the loan . If you accept the terms and conditions you will continue the process of getting your deal funded.

*Note: Some lenders could ask less or more documents.


By attending this website any visitor is hereby expressing and/or accepting: 

This is not a commitment or offer to lend, buy or sell any securities. This website is for informational purposes only.  Interest Rates, Fees, and other important or minor details are subject to change based on market conditions, due diligence, and input by underwriting. If your project is approved, a formal loan commitment will be issued. Time frames for each portion of the process vary due to market conditions and other factors like third parties. By visiting this website, the visitors hereby agree on behalf of the visitor’s company / business entity along with sponsors, co-sponsors, officers, and/or investors, to hold harmless Hard Money Capital Group, LLC’s investors, employees, officers, and/or third party subcontractors in the closing of any transactions. Third party reports are ordered at on a cost plus review basis. Hard Money Capital Group, LLC  can not guarantee nor influence values, or other specific important and/or minor conclusions, along with the time frames to complete third party reports. Some projects require a project feasibility, and may or may not require traffic studies or other individual reports as required by specific subject property locations and market conditions. Hard Money Capital Group, LLC  does not pay for third party reports, third party reports are billed via invoice that must be paid at presentation by the investor. Time is of the essence, and even though Hard Money Capital Group, LLC works tirelessly to maintain quick closing times, there are factors outside of the control of Hard Money Capital Group, LLC , along with other conditions, that do not always allow the projected time frames to be maintained.  Brokers and, or referral sources are protected, thus Hard Money Capital Group, LLC  honors Broker Invoices or Referral Fee Agreements that are submitted in writing. Hard Money Capital Group, LLC  only accepts new client files from brokers, if you have a further transaction, please see your introducing representative. Hard Money Capital Group, LLC uses a private source of capital, therefore your information will not be shared with the general public on any marketing information. 

Hard Money Capital Group, LLC  is a limited liability company out of the State of Texas. Hard Money Capital Group, LLC  indirectly provides funds and also brokers requests that cannot be funded in house. Hard Money Capital Group, LLC  does not operate in any state or local area whereas the laws of that state or local are prohibit cost effective operations. Hard Money Capital Group, LLC  is a private company, not open for the public. Hard Money Capital Group, LLC does its best to analyze and review all proposed transactions, but cannot possibly analyze, review, and take interest in all transactions that are presented. Rates, Fees, and other minor or important details are subject to change with or without notice. No warranties are granted, nor should be implied. 

Hard Money Capital Group, LLC  is a redeveloper company that buys and sells properties from Homeowners, real estate investors and entities that are associated with the real estate business. Hard Money Capital Group, LLC  offers Hard Money loans to investors nationwide by brokering with banks & direct lenders nationwide.

This page is intended to be used as an outline for discussion purposes only and relies upon, amongst other things, the accuracy of  the information entered by the applicant. All loan requests are subject to a full underwriting and due diligence review upon the submission of a complete loan file from the applicant, and the proposed terms and conditions may change based on the results of this review. Nothing herein represents a commitment, agreement, or obligation from Hard Money Capital Group, LLC to lend money under these or any other terms.

 The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.