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# MAKO LOANS: Hard Money Lending for Builders & Flippers—Get Pre-Approved in Days, Not Weeks.

## Sitemaps
[XML Sitemap](https://makoloans.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Pages
- [About](https://makoloans.com/about/): Mako Loans is a direct private money mortgage lender specializing in short-term bridge loans and asset-based financing for real estate investors. Founded in 2006 and headquartered in Albany, New York, we’ve spent nearly two decades building one of the most trusted private lending operations in the Northeast — growing from our roots in Eastern New York and Western Massachusetts to an expanding footprint across Pennsylvania and New Jersey.We fund fix-and-flip loans, bridge loans, DSCR rental loans, rehab loans, new construction, and commercial bridge transactions — exclusively for non-owner-occupied investment properties, secured by a first position lien. We do not lend to owner-occupants. Every dollar we deploy goes toward helping real estate investors move faster, build smarter, and scale their portfolios.We’re not a bank. We’re not a mortgage company pushing volume through a call center. We’re a team of real estate operators, underwriters, and lenders who built this company around one idea: investors deserve a funding partner who moves as fast as they do. Our team is available 24/7 — because deals don’t wait for business hours.
- [South Jersey Hard Money Loans](https://makoloans.com/hard-money-loans-south-jersey/): We’re active hard money lenders across South Jersey NJ, with a priority focus on Camden, Burlington, and Gloucester counties. We know the neighborhoods, understand the deal flow, and move fast enough to compete in one of the most active real estate investment corridors in New Jersey and the broader Northeast.
- [Philadelphia PA Hard Money Loans](https://makoloans.com/hard-money-loans-philadelphia/): We’re active hard money lenders serving Philadelphia, PA and the surrounding counties. We understand the deal flow, know the neighborhoods, and move fast enough to keep up with one of the most competitive real estate investment markets on the East Coast.
- [Berkshires MA Hard Money Loans](https://makoloans.com/hard-money-loans-berkshires-ma/): We're local lenders who live and work in Berkshire County. We understand the market, know the community, and are here to fund the housing revitalization opportunities that define this moment
- [Hudson Valley NY Hard Money Loans](https://makoloans.com/hard-money-loans-hudson-valley-ny/): Direct, asset-based capital for New York’s premier investment corridor. Secure the leverage you need for fix-and-flips, rentals, and new construction with 7–14 day closings.
- [Rochester NY Hard Money Loans](https://makoloans.com/hard-money-loans-rochester-ny/): Direct, asset-based capital for Monroe County real estate investors. Secure the leverage you need for fix-and-flips, rentals, and new construction with 7–14 day closings.
- [Albany NY Hard Money Loans](https://makoloans.com/hard-money-loans-albany-ny/): Direct, asset-based capital for Capital Region real estate investors. Secure the leverage you need for fix-and-flips, rentals, and new construction with 7–14 day closings.
- [Syracuse NY Hard Money Loans](https://makoloans.com/hard-money-loans-syracuse-ny/): Direct, asset-based capital for Central NY real estate investors. Secure the leverage you need for fix-and-flips, rentals, and new construction with 7–14 day closings.
- [Investment Property Loans](https://makoloans.com/hard-money-loans/investment-property-loans/): Direct private capital for real estate investors. Whether you are scaling a rental portfolio or securing a fix-and-flip, we provide the leverage you need to close fast.
- [Rehab Loans](https://makoloans.com/hard-money-loans/rehab-loans/): A rehab loan is a form of short-term, asset-based financing used by real estate investors to purchase and renovate distressed properties. Unlike conventional bank mortgages, Mako Loans' rehab financing is based on the After Repair Value (ARV) of the property. This allows investors in New York and Massachusetts to secure capital for "fixer-uppers" that would otherwise be ineligible for traditional bank loans.
- [Hard Money Loans](https://makoloans.com/hard-money-loans/): Direct private lending for investment properties. Fast decisions, local underwriting, and rehab funds via draws—so you can move deals from offer to exit on schedule.
- [Commercial Bridge Loans](https://makoloans.com/hard-money-loans/commercial-bridge-loans/): A commercial bridge loan is a short-term private mortgage used to secure a property quickly or fund a transition period while an asset is being stabilized. Unlike traditional bank financing, which focuses on historical cash flow, Mako Loans' private commercial bridge loans are underwritten based on the property’s current value and its future income potential.
- [New Construction Loans](https://makoloans.com/hard-money-loans/new-construction-loans/): Secure ground-up construction financing from a direct private lender. Get a fast decision, milestone-based draws, and local underwriting to keep your job site moving.
- [BRRRR Loans](https://makoloans.com/hard-money-loans/brrrr-loans/): A BRRRR loan is a specialized hard money bridge loan used by real estate investors to acquire and renovate distressed properties with the intent to hold them as long-term rentals. At Mako Loans, our BRRRR financing covers both the purchase and the rehab costs, allowing you to force appreciation and increase equity before refinancing into a permanent DSCR or conventional loan.
- [Fix & Flip Loans](https://makoloans.com/hard-money-loans/fix-flip-loans/): Investment properties only. Not owner-occupied homes.
- [Terms of Service](https://makoloans.com/terms-of-service/): These Terms of Service ("Terms") govern your access to and use of the Site and any online forms, content, communications, and features we make available (collectively, the "Services"). By using the Services, you agree to these Terms. If you do not agree, do not use the Services.
- [Thank you](https://makoloans.com/thank-you/):  Your information has been received successfully. Our team will review your submission and follow up shortly.
- [Mako Loans Homepage](https://makoloans.com/): We fund real estate investors looking to purchase, refinance, or leverage equity in non-owner-occupied properties.
- [Privacy Policy](https://makoloans.com/privacy-policy/): Effective Date: August 22, 2025Applies To: https://makoloans.com/ (the "Site") and related online services offered by Mako International, LLC, 12 Elmwood Rd, Albany, NY ("Mako," "we," "us," or "our").Contact: tdavis@makoloans.com