Direct Automated Lender

Hard Money Loans.
Zero Phone Calls.

We're not a broker. We're a direct automated lender for experienced single-family fix-and-flip investors. Data-driven underwriting, instant pricing, and a process built for people who know what they're doing.

Get Your Rate Instantly →
$1,495
Flat Processing Fee
8.99%
Rates As Low As
0
Phone Calls Required

Get Your Rate

Enter your deal details for instant pricing. No commitment.

Your Interest Rate
Est. Loan Amount
📩
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✓ Rate & loan details ✓ Fee breakdown ✓ Down payment
How It Works

Four steps. No runaround.

You already know the process. We just made it faster, cheaper, and completely self-service.

01
⚡

Get Your Pricing

Enter your deal details and get an instant rate quote. No account needed, no commitment. See exactly what your loan will cost in seconds.

02
📋

Submit Your Deal

Like the numbers? Complete the full application online. Property details, entity information, and deal specifics — all in one streamlined form.

03
📄

Upload & Approve

Upload your required documents to our portal. Our AI reviews them automatically. As long as docs are clear and the property value checks out, you're approved.

04
🏦

Docs Out & Fund

Loan documents go out, you sign, and funds are wired. Track everything in real-time from your dashboard. No surprises at the closing table.

Why MortgageRemote

Built for investors who know what they're doing

You don't need a broker charging 2+ points to explain what LTV means. You need speed, transparency, and fair pricing.

📊

Data-Driven Underwriting

Thousands of fix-and-flip transactions power our automated valuations, backed by third-party verification. We move fast on good deals because the data tells us what works.

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Transparent Pricing

$1,495 flat processing fee. 0.5% lender fee. That's it. No hidden origination points, no junk fees, no surprises at closing. What you see is what you pay.

⚡

Instant Decisions

No waiting on callbacks or "let me check with my manager." Get your rate in seconds and your approval as fast as you can upload clean documents.

🤖

Fully Automated

AI-powered document review, automated valuations, and a self-service portal. The entire process runs 24/7 without waiting on a single human.

🎯

Full Control

See exactly where your loan stands at every stage. No black box, no "it's in processing." Real-time status on everything from application to funding.

🔒

No Pressure

No loan officers calling you. No upsells. No bait-and-switch on terms. Get your pricing, decide on your timeline, and move forward when you're ready.

Compare

You're overpaying for services you don't need

See how MortgageRemote stacks up against a traditional hard money broker.

MortgageRemote Traditional Broker
Upfront Fees $1,495 + 0.5% lender fee 2–3+ origination points
Rate Transparency Instant — before you apply "Let me get back to you"
Processing Time Submit in minutes Days of back-and-forth
Communication 24/7 self-service portal Wait for callbacks
Document Review AI — instant, automated Manual, error-prone
Underwriting Data-driven, thousands of deals Varies by lender relationship
Pricing Model What you see is what you get Negotiable (and often inflated)
Pricing

Simple, honest pricing

No origination points. No hidden fees. Just two transparent costs.

Processing Fee
$1,495
Flat fee per transaction. Covers AI-powered processing, document review, and portal access.
Lender Fee
0.5%
Of your loan amount. $2,500 minimum. One-time fee at closing. No surprises.
Loan Term
12 Mo
Standard 12-month term on all fix-and-flip loans. Interest-only payments.

Qualification requirements

We're flexible, but the numbers have to make sense.

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700+
Minimum Credit Score
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75%
Maximum LTV
🔨
5+
Flips in Last 36 Months
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40%
Max Reno (% of Purchase)
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$1M
Maximum Loan Amount
FAQ

Common questions

Experienced real estate investors who flip single-family homes. You need at least 5 completed flips in the last 36 months, a 700+ credit score, and deals at 75% LTV or below. We specialize exclusively in single-family fix-and-flip — no ground-up construction, no multi-family. If you know the process and want to skip the broker markup, this was built for you.
We're a direct automated lender. There's no middleman matching you with someone else. Our underwriting is powered by data from thousands of fix-and-flip transactions, backed by third-party property valuations. You deal directly with us from pricing to funding.
Two costs, fully transparent: a $1,495 flat processing fee and a 0.5% lender fee on your loan amount ($2,500 minimum). That's it. No origination points, no junk fees, no surprises at closing. Compare that to the 2-3 points a traditional broker charges.
Your rate is based on your experience level. 5–7 completed flips: 9.99%. 8–15 flips: 9.49%. 16+ flips: 8.99%. All loans are 12-month terms with interest-only payments. Use the pricing calculator at the top of this page to see your exact numbers.
That's the goal. Our entire process — from pricing to document review to funding — is designed to be fully self-service with AI handling the heavy lifting. If something truly requires a human conversation, we'll handle it, but we've built the platform so that's the rare exception.
Speed depends on how quickly you upload clean documents and whether the property value checks out. Because our AI reviews documents automatically and our valuations are data-driven, we eliminate the back-and-forth that slows traditional closings. Many deals can close in 7–14 days when the file is clean.
We've built our valuation models on data from thousands of completed fix-and-flip transactions. We also order a third-party valuation on every property. If your deal makes sense on paper and the numbers check out, you're approved. We're flexible on the details, but the fundamentals have to work. Data-driven, not gut-driven.