The ability to effectively and efficiently close a hard money transaction can be difficult for newer lenders without market expertise. Having been in business for nearly 30 years, through the booms and busts, EquityMax understands that attention to detail is important. Oftentimes, this can be the difference between closing a deal or having a borrower lose out on an investment opportunity. Let our years of experience make sure your deal funds on time, every time, in as little as 48 hours.

EquityMax Will Be Your Hard Money Lender in North Dakota

We Are The Bank

EquityMax is a 100% debt-free company, and we only lend our own personal funds as a single family office. This leads to quicker decision-making and faster communication to ensure your deal closes on-time, or sooner.

Minimize The Red Tape

Less documents means easier underwriting and faster turnaround. There is no formal application necessary, nor does EquityMax require a minimum credit score to qualify. Additionally, we do not verify bank statements, tax returns, or other financial information.

Experience Matters

Since our inception in 1990, we have operated as a family owned-and-operated business. EquityMax clients can rely on the continuity and expertise to make the origination, funding, and servicing of your loan as seamless as possible.

Your Perfect Loan

EquityMax will always listen to what loan parameters will work optimally for you, and do our best to execute that course of action. The end result: to promote your short-term and long-term real estate goals through successful and profitable real estate investments.

Close In 48 Hours Or Less! Ready To Get Started On Your Next Deal In North Dakota?

Latest Success Story

An experienced investor had a great flip opportunity, but the client was only to find small private lenders, who had since run out of money, to fund this property.  As a nationwide lender, but also a private lender, EquityMax took over the deal and funded it in less than two days.


Location – Bismarck, ND

Loan Amount – $65,000

Purchase Price – $88,000

Loan Type – Purchase

Term – 12 Months – 17 years (Borrower Option)

Rehab Amount – $10,000

Actual Retail Value – $135,000

Profit – $35,000

Driving Factors For North Dakota Real Estate Market

Foreclosures Increasing

While North Dakota typically has fewer foreclosure filings than most states, the removal of moratoriums and a continuing recession have already caused an increase in distressed homes.

Home Prices Still On The Rise

The North Dakota real estate market has dealt with tight inventory for years. Even though mortgage applications are slowing down, the lack of available housing still hasn’t improved so home values are expected to continue to rise.

Interest Rates Will Continue To Climb

The Federal Reserve has had to increase interest rates to combat inflation and more rate hikes are expected in the future to limit the purchasing power of would be investors and homeowners.

North Dakota Real Estate Market Breakdown


Median Home Value


Foreclosure Properties


Bank Owned Properties



Popular Counties: Burleigh, Cass, Ward, Grand Forks, Morton

EquityMax Insight

The recent increase in distressed properties across the state has provided great opportunities for investors to receive solid profit margins on fix and flip and wholesale deals. However, long-term investments, such as rental properties, have appeared to perform the best for real estate investors in North Dakota. Relatively low interest rates (although rising) have made it cheaper to borrow money, low housing inventory has forced more residents to rent, and more people renting has justified increased rental asking prices.  Overall, that means for cash flow for the landlord/investor.

What Our Clients Say

November 17, 2022

"I am so glad that I have a new national partner that can fund my deals in smaller towns around the country."  

Loan Programs

Fix and Flip / Cash-Out REFI

High LTV / Low Rates / Flexible TermMinimal Insurance RequirementsZero Prepayment Penalty

Foreign National Loans

ZERO Credit or Qualification RequirementsNo Personal Guarantee RequiredFree Comparable and Repair Analysis

Transactional Funding

Catering to Real Estate Wholesalers1-3 Day FundingMinimal Notice to Close

Non-Recourse Lending

Invest through a Self-Directed IRA or Solo 401KNet Proceeds from Investing are Tax-DeferredNo Personal Guarantee

Have You Been Previously Denied By A Lender? Get A Second Chance With EquityMax

Did You Know

South Dakota, North Dakota’s neighboring state, is one of the few states that EquityMax does not lend in, in addition to Utah, Nevada, and Vermont.

Frequently Asked Questions

We are title company friendly and do not necessitate use of our own title company for closings.  You can choose whichever company works best for you.

Yes, we understand that certain pockets of the state are lower-density and will lend in these less populous cities and towns.

EquityMax does not have a credit minimum, so scores in the 500s is not a problem.

Receive Immediate Pre-qualification Within 10 Minutes!