Time and monetary constraints often prevent several deals from closing on time, or at all.  A lender taking too long to underwrite, or not having sufficient funds to close, can be the difference between an investor obtaining a property or not. Wherever your next investment exists in Virginia and whenever it needs to close, EquityMax will make it happen. Simply put, we guarantee a smooth process from start to finish on each and every deal.

Hard Money Loans For Your Next Big Deal In Virginia

Deal-making Diversity

EquityMax offers hard money financing for a wide array of real estate properties, including REOs, Short Sales, and even online auctions.  If there is an avenue towards profit, we’ll ensure the transaction closes with ease.

Immediate Prequalification

EquityMax requires a single doc for prequalification, and can provide proof of funds documentation within 10 minutes of initial submittal. This ensures your ability to submit contracts on demand, as soon as a property hits the market.

Services From A-Z

All of our lending services are in-house and never outsourced. Your loan is originated, funded, and serviced in one office. This single point of contact leaves out the guess-work on who to communicate with once your loan closes.

Funding Near & Far

From Fairfax County to Roanoke, EquityMax can finance your next investment deal no matter the location, population, or demographic. Let our team show you why investors throughout Virginia have successfully closed hard money transactions with EquityMax for over 3 decades.

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

Latest Success Story

A United States serviceman stationed overseas wanted to invest in real estate in his hometown. He successfully partnered with his father and two other partners to form an LLC to purchase a distressed home in Richmond. EquityMax provided a loan for the borrowers to purchase the house with renovation to quickly ensue after closing. Borrowers are in the midst of renovating the property in order to sell to a first-time home owner.

Acquisition Loan

Location – Richmond, VA

Loan Amount – $120,000

Purchase Price – $150,000

Loan Type – Purchase

Term: 12 Months – 17 years (borrower option)

Rehab Amount – $30,000

Actual Repair Value – $220,000

Profit – TBD

Driving Factors For Virginia Real Estate Market


After seeing jobs decrease across the state during COVID-19, forecasters are projecting a 2.2% increase in total jobs and 1% drop in unemployment for 2021.

Home Values

A lack of supply, growing demand, and low mortgage rates has increased home prices. It’s projected that this trend will continue into 2021 and beyond.

Cost of Living

Virginia has a cost of living well above the national average, especially in the Northern Virginia region where rentals and housing are very expensive.

Real Estate Breakdown Of Virginia


Median Home Value


Foreclosure Properties


Bank Owned Properties



Popular Counties: Fairfax, Virginia Beach City, Prince William, Chesterfield, Loudoun

EquityMax Insight

While Fairfax county in northern Virginia is more expensive and risky for investors, other cities, such as Richmond, are surging with plentiful opportunities to invest in flips.. This is in most part because of their affordability, healthy job markets, and optimistic sales and price growth forecasts of 5% for 2021. The borrower has yet to fully realize the profit potential on this property, however, buying at a relatively low purchase price with a modest rehab budget will ultimately set him up for a successful end result.

What Our Clients Say

March 30, 2021

I was a first-time investor, and EquityMax was glad to work with me. They guided me through the entire financing process to make sure we were both on the same page. I will certainly be using them on my next deal!

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

Brad Emmer, Owner and Founder of EquityMax, previously ran a wholesale bottling business with his father. It was only natural that Brad’s son, Greg, joined EquityMax in 2008 to continue the tradition of an Emmer Father/Son business partnership.

Frequently Asked Questions

EquityMax does not require our borrowers to be a Corporation of LLC.  We can originate loans to individuals, LLCs, Corporations, Land Trusts, and Self-Directed IRAs.

Yes. EquityMax has multiple borrowers with several active loans in our portfolio.

EquityMax anticipates the demand for these types of properties to increase in the coming weeks and months. Hence, we will always look to finance them for our borrowers.

EquityMax is not limited to properties in major metro areas. We see vast opportunities to lend in more remote parts of the state to maximize borrower profits.

EquityMax does not market properties in Virginia to sell because EquityMax is not licensed as real estate brokers in the state. That does not mean we will not finance deals that borrowers bring us directly. Moreover, we have a large network of property owners, distressed sellers, and wholesalers that continually provide inventory for purchase to our borrowers.

EquityMax can send a borrower a Proof of Funds within 5 minutes of receipt of an acceptable, three-score credit report.  If a borrower does not have a recent report, he/she can request that Equitymax pull it.  For instructions, please click here.

EquityMax lends on any form of residential property, including single family homes, 1-4 multi-unit properties, condominiums & townhomes, and even small apartment complexes (20 units or less).  We also lend on commercial property and industrial warehouses.

EquityMax lends on real estate throughout the state of Virginia. We are not geographically limited as to where we will finance in the state.

Receive Immediate Pre-qualification Within 10 Minutes!