New Construction Loans in New York
Find new construction loans in New York. Compare rates from private lenders serving New York real estate investors.
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Looking for new construction loans in New York? Bridge Hard Money Loans connects real estate investors with private lenders who specialize in new construction loans throughout New York. Close in as little as 7-14 days.
Hard Money Lending Regulations in New York
Understanding New York's lending regulations is important for real estate investors seeking hard money or private financing. Here are the key regulatory factors:
Usury Rate Cap
16% civil usury; 25% criminal usury; commercial exemption for loans over $2.5M
DFI Licensing Required
Yes - lenders must be licensed or exempt under state law
NMLS Required for Brokers
Yes - mortgage brokers must be registered with NMLS
Foreclosure Type
judicial - typical timeline: 480 days
Regulatory Notes
NY has a strict 16% usury cap. Commercial loans under $2.5M are generally NOT exempt. NY is among the slowest foreclosure states.
Regulatory Authority: New York Department of Financial Services (DFS) oversees lending and mortgage activities in New York.
Bridge Hard Money Loans connects you with private lenders who are compliant with New York's lending regulations. We are not a lender - we are a referral service.
How It Works
Tell Us About Your New Construction Loans Need
Share your property details and loan amount. It takes less than 2 minutes.
Compare Offers from New York Lenders
Private lenders serving New York review your deal and submit competitive rate quotes.
Close Your Loan
Accept the best offer and close in as little as 7-14 days. Fast funding for your investment.
Why Choose Bridge Hard Money Loans
Close in 7-14 Days
While banks take 30-60 days, our private lenders close in as little as 7-14 days.
Asset-Based Lending
Your property is the collateral. No income verification, no tax returns required for many programs.
Up to 75% LTV
Finance up to 75% of the property value. Higher leverage available for experienced investors.
All Property Types
Residential, commercial, multifamily, mixed-use, land - we connect you with lenders for every property type.
Nationwide Coverage
Our network of private lenders serves real estate investors in all 50 states.
Free, No-Obligation Quote
Compare rates from multiple private lenders. No commitment required.
Serving Your Area
Bridge Hard Money Loans serves real estate investors across New York. Our network of private lenders provides competitive rates for hard money loans, DSCR loans, fix and flip financing, and more throughout the state.
New Construction Loans in New York
Hard Money Loans
- New York (19,268,388)
- Brooklyn (2,736,074)
- Queens (2,405,464)
- Manhattan (1,694,263)
- Bronx (1,472,654)
- Buffalo (934,832)
- Rochester (697,898)
- Albany (607,238)
- Staten Island (495,747)
- Syracuse (402,509)
- Poughkeepsie (318,383)
- Yonkers (209,978)
- Binghamton (157,696)
- Utica (117,943)
- New Rochelle (82,769)
- Saratoga Springs (77,152)
- Mount Vernon (72,427)
- Glens Falls (69,209)
- Schenectady (68,847)
- White Plains (60,666)
- Levittown (51,904)
- Troy (51,033)
- Niagara Falls (47,987)
- Freeport (44,088)
- Hicksville (43,780)
- West Babylon (43,570)
- Valley Stream (40,315)
- Coram (39,539)
- Kiryas Joel (38,916)
- Central Islip (38,373)
- East Meadow (36,821)
DSCR Rental Loans
- Commack (36,558)
- Elmont (36,518)
- Baldwin (34,994)
- Long Beach (34,756)
- New City (34,458)
- Spring Valley (33,192)
- Uniondale (33,148)
- Ithaca (32,814)
- Huntington Station (32,601)
- Centereach (31,839)
- Rome (31,795)
- Bay Shore (31,683)
- Oceanside (31,639)
- Port Chester (31,102)
- Franklin Square (30,897)
- Middletown (30,289)
- North Tonawanda (30,198)
- Harrison (29,961)
- Shirley (28,375)
- Jamestown (28,188)
- Monsey (28,160)
- Glen Cove (28,112)
- Deer Park (27,990)
- Lindenhurst (27,142)
- West Islip (26,865)
- Holbrook (26,449)
- Auburn (26,285)
- Elmira (26,257)
- Plainview (25,982)
- Rockville Centre (25,765)
- Peekskill (25,625)
Fix and Flip Financing
- Medford (24,796)
- Dix Hills (24,773)
- Watertown (24,375)
- Kingston (23,911)
- Copiague (23,424)
- Garden City (22,941)
- Merrick (21,744)
- East Patchogue (21,673)
- Selden (21,604)
- Massapequa (21,389)
- Mineola (21,211)
- North Amityville (21,138)
- Hauppauge (20,793)
- North Bellmore (20,689)
- West Hempstead (20,648)
- Lockport (20,610)
- East Massapequa (20,377)
- Lynbrook (20,325)
- North Bay Shore (20,282)
- Plattsburgh (19,830)
- Nanuet (19,799)
- Lackawanna (19,753)
- Melville (19,714)
- East Northport (19,700)
- Holtsville (19,344)
- Roosevelt (18,885)
- Ronkonkoma (18,709)
- Syosset (18,433)
- Wantagh (18,365)
- Lake Ronkonkoma (18,221)
- Amsterdam (18,166)
Bridge Loans
- Cohoes (18,159)
- Woodmere (18,061)
- Scarsdale (18,010)
- Port Washington (18,004)
- North Babylon (17,963)
- North Massapequa (17,877)
- North Valley Stream (17,825)
- Cortland (17,450)
- Bethpage (17,123)
- Oswego (17,033)
- Massapequa Park (16,963)
- Mastic Beach (16,735)
- Kings Park (16,516)
- Floral Park (16,169)
- Farmingville (16,160)
- Pearl River (16,155)
- Fort Drum (16,065)
- Bellmore (15,954)
- Westbury (15,808)
- Mastic (15,708)
- Hampton Bays (15,706)
- Seaford (15,549)
- Sayville (15,408)
- Greenlawn (15,210)
- Batavia (15,097)
- Oneonta (15,045)
- Kenmore (15,044)
- Tonawanda (15,030)
- Depew (15,000)
- Gloversville (14,962)
- Johnson City (14,940)
Private Money Lending
- Eggertsville (14,894)
- Beacon (14,834)
- South Farmingdale (14,676)
- New Cassel (14,551)
- Manorville (14,233)
- North New Hyde Park (14,159)
- Jefferson Valley-Yorktown (14,154)
- Nesconset (13,833)
- Latham (13,802)
- Jericho (13,759)
- Olean (13,738)
- East Islip (13,573)
- Endicott (13,387)
- Rocky Point (13,356)
- St. James (13,244)
- Stony Brook (12,868)
- Dunkirk (12,549)
- Geneva (12,512)
- Ridge (12,503)
- Salisbury (12,412)
- Patchogue (12,396)
- North Merrick (12,366)
- Inwood (12,235)
- North Wantagh (11,940)
- East Glenville (11,914)
- Tarrytown (11,784)
- Elwood (11,762)
- Miller Place (11,736)
- Endwell (11,546)
- Dobbs Ferry (11,443)
- Suffern (11,441)
Investment Property Loans
- Woodbury (11,334)
- Fulton (11,272)
- Mount Sinai (11,093)
- Great Neck (11,087)
- North Bellport (11,087)
- Lake Grove (11,061)
- De Witt (11,060)
- Middle Island (11,027)
- Roessleville (10,968)
- North Lindenhurst (10,952)
- Sleepy Hollow (10,887)
- Myers Corner (10,877)
- Terryville (10,794)
- Mount Kisco (10,737)
- West Haverstraw (10,711)
- Corning (10,643)
- Chestnut Ridge (10,557)
- Loudonville (10,527)
- Watervliet (10,287)
- Scotchtown (10,252)
- New Hyde Park (10,220)
- Airmont (10,205)
- Fort Salonga (10,199)
- Oneida (10,171)
- East Setauket (10,149)
- East Rockaway (10,077)
- West Glens Falls (10,050)
New York Investor Lending Guides
What Our Clients Say
“They connected me with multiple private lenders across New York. The competition between them got me a much better rate.”
“The New York lending process was faster than I expected. My fix-and-flip loan closed in just 10 days.”
“Needed a DSCR loan for a rental property. No income verification and the whole process was smooth and professional.”
Get Your Free Loan Quote in New York
New York real estate investors: compare rates from multiple private lenders.
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