Core Values

Core Values

Quickly Close Your Deal

Close in as little as 7 days.

Trusted Hard Money Lender

Over 53 years of lending success.

Flexible Lending Options

Solutions for all situations.

Colorado’s Premier Hard Money Lender: Montegra Capital Resources, LTD

For over 50 years, Montegra Capital Resources, LTD has been the acknowledged leader in funding Colorado hard money loans.   Montegra was created in 1971 by Bob Amter when he realized that banks and institutional lenders were unable to provide the creative and useful commercial real estate funding that commercial real estate investors such as himself needed.

Our process is focused around Montegra’s five values: Speed, Flexibility, Fair Pricing, Minimal Red Tape, and No Surprises.

Our Five Core Values

Rapid responses and expeditious closings are critical to real estate owners and investors. Typically, Montegra responds to loan inquiries the same day on which they are received. At Montegra, our goal is to close loans in weeks rather than months.

Montegra has no rigid rules on debt service coverage, vacancy rates, property types, or the other bank requirements that create road blocks to getting loans approved and underwritten. Instead, Montegra works to structure private money loans so that they help borrowers achieve their goals rather than holding them back or fencing them in.

Montegra maintains loan costs, both interest rates and fees, at the lowest end of the hard money loan spectrum. Montegra’s current rates for hard money loans on improved income properties are between 10% and 11% payable interest only; land loans and non-recourse loans may require higher interest rates. Additionally, Montegra’s loan fees are fixed between 2% and 4%. Montegra’s loan terms range from six months to three years.

At Montegra, borrowers work directly with the decision maker. Montegra does not have a loan committee; full control of the money and of the decisions on what to fund is retained by Montegra at all times. In this way, Montegra strives to save our borrowers the expense and necessity of working through a broker by issuing loans directly from lender to borrower.

Montegra always provides an initial written term sheet outlining our loan terms upfront. If these terms work for our borrower, Montegra follows up by providing a detailed written Commitment Letter. Montegra will not change our loan terms once a borrower has committed to these terms.