The ability to effectively and efficiently close a hard money transaction can be difficult for newer lenders without the years of experience we have. Having been in business for nearly 30 years, through the booms and busts, EquityMax understands that attention to detail is important and that markets are cyclical. Oftentimes, understanding industry nuance is 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.

A Solution-Oriented Approach For Hard Money Lending In Washington

Flexible and Competitive Terms

There are several hard or private money options that investors currently have at their disposal in today’s active marketplace. EquityMax is looking to be the industry lender that offers the best combination of term, rate, points, while also minimizing third-party costs.  If you find a better deal, we will always look to beat the competition.

Large Geographic Landscape

Investing around the state has never been easier, with simplified and transparent financing options throughout the state. Investors in Seattle, Spokane, and even rural areas receive multiple EquityMax hard money loan proposals on each deal. More options at a borrower’s disposal means multiple avenues to maximize his or her return on investment.

Customized Solution For Your Next Loan

We are always receptive to client feedback, whether this is your first deal as an investor or are a returning borrower. The EquityMax team will always look at your deal points, ensuring it makes sense from a borrower and lender perspective. Simply put, we always tailor financing terms and criteria that will enable your deal to be as profitable as possible.

Speak To The Owners

At EquityMax, we believe in having our clients speak directly with the bosses.  We are a family owned-and-operated lender of our own funds. The owners of the company are the final decision makers and are happy to chat directly with you about your particular financing needs on each and every real estate investment project.

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

Latest Success Story

A repeat client brought us a purchase loan opportunity on an older manufactured home. The LTV was low enough where it was a safe investment for us, and provided the borrower the leverage she was seeking on this particular deal.

Residential Mobile/Manufactured Home

Location – Spokane, WA

Loan Amount – $35,000

Purchase Price – $50,000

Loan Type – Purchase

Term – 12 Months – 17 years (Borrower Option)

Rehab Amount – $30,000

Actual Retail Value – $150,000

Profit – $60,000

Driving Factors For Washington Real Estate Market

Increased Demand

It’s more affordable to buy a house in Washington than rent. As a result, buyers are flocking to the market which is driving up demand in a state that has very low housing inventory.

Cash Flow Opportunities

More and more investors are trying to take advantage of relatively low interest rates before the Fed continues to raise them. As a result, these low rates are making it easier to pay down mortgages while reaping a higher monthly cash flow.

Suburban Migration

Seattle was already too expensive and now increasing values and work-from-home options have pushed people to the suburbs to seek more affordable living situations.

Real Estate Market Breakdown of Washington


Median Home Value


Foreclosure Properties


Bank Owned Properties



Popular Counties: King, Pierce, Snohomish, Spokane, Clark

EquityMax Insight

Washington has been one of the hottest real estate markets over the last decade. With its highly insulated job sector, employment has driven much of the real estate activity across the state, and as a result, investors have found great rehabbing deals with impressive profit margins. While appreciating home values have slightly dampened the ROI on these projects, flippers can still find a variety of opportunities to cash in on. Furthermore, the state has also proven to be an attractive place for short-term rental properties as investors are reaping hefty annual cash flows.

What Our Clients Say

December 8, 2022

“Mobile Home Lenders are few and far between, and EquityMax is one of them…offering great terms and fast closings.”

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

EquityMax’s two most tenured team members have over 60 years combined experience in the hard money lending industry.

Frequently Asked Questions

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

Yes, EquityMax will finance on Cannabis-related properties throughout the country.

We always suggest going straight into your local market and “drive for dollars” until you find your first deal.

Receive Immediate Pre-qualification Within 10 Minutes!