Broker, not a lenderHard Money Lenders inBellevue, Nebraska
Fix and flip, DSCR rental and new construction financing for Bellevue investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Bellevue deal right now
Prefilled with a realistic Bellevue deal. Change any number and it reprices instantly on the lanes licensed in Nebraska, using the same engine behind our term sheets.
Financing a deal in Bellevue
Bellevue sits just south of Omaha in Sarpy County, and Offutt Air Force Base, home of U.S. Strategic Command, shapes the whole market. The older part of town near Olde Towne and the river bluffs has 1950s through 1970s ranches and split-levels with basements, which is where the flips come from. Newer subdivisions to the west run from the 1990s on. It’s a quick-moving suburban market where homes rarely sit long.
The Bellevue deal is built around military turnover. Offutt families arrive and leave on orders, which brings a steady stream of buyers who need a move-in-ready house now, and a steady stream of sellers who need out fast. That makes a clean, practical renovation easy to sell, and it also means motivated sellers show up off-market. Investors who know the permanent change of station calendar time their listings for the summer moving season.
What a Bellevue deal looks like on paper
Bellevue example: $180,000 purchase, $50,000 rehab, $325,000 after repair value, 730 credit, first flip. The engine puts that borrower on the First Flip, 10% Down program at 9.99%. Picture a 1960s ranch near Olde Towne Bellevue: new roof, updated electrical, furnace and AC, kitchen, two baths, flooring and a basement that’s been checked for seepage. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (10% of purchase plus rehab)You$23,000
- Origination (2.13%)Lender$4,399
- Lender fees (flat)Lender$2,790
- Broker fee (1%)Broker$2,070
- Title and closing (estimate at Texas rates)Title$3,359
- Prepaid interest (15 days)Lender$850
- Property insuranceInsurer$2,185
- AppraisalAppraiser$550
Interest while you rehab: $1,307 a month on the $157,000 funded at closing, $1,723 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $10,340 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Bellevue
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Experienced Investor Rate1 | 15% | 680+ | 2+ completed flips | 9.00% | 0.75% | 75% of ARV | 12-24 months | 7-14 days |
| First Flip, 10% Down2 | 10% | 660+ | First flip OK | 9.99% | 2% | 75% of ARV | 12 months | 21-30 days |
| 7.5% Down, 3+ Flips3 | 7.5% | 660+ | 3+ completed flips | 9.99% | 1.5% | 75% of ARV | 12 months | 21-30 days |
| 5% Down, 3+ Flips4 | 5% | 600+ | 3+ completed flips | 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips5 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| 100% Financing, 2+ Flips6 | 0% (100% financing) | 620+ | 2+ completed flips | 9.50% to 12.00% | 2.5% | 70% of ARV | 9 months | 7-14 days |
- Rate and origination are the program floor; two completed projects in the last 36 months preferred.
- Rate 9.99% at 2 to 2.25 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
- Rate 9.99% at 1.5 to 1.75 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
- Rate from 12%, set per file. Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
- Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% and 2 to 3 points, set per file. Purchase plus rehab must fit under 70% of ARV.
Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
Where Bellevue prices sit right now
Before we price a Bellevue flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.
Redfin puts the Bellevue median sale price at $290K for the three months ending September 2026, up 0.3% from a year earlier, with homes selling after about 13 days on the market.
| Median sale price, Bellevue (Redfin, 3 months to Sep 2026) | $290K |
| Year over year change in median (Redfin) | +0.3% |
| Days on market, Bellevue (Redfin) | 13 |
Sources: Redfin, Bellevue housing market
How a Bellevue file actually gets priced
Sarpy County sales feed the MLS quickly, so Bellevue comps are usually plentiful and recent. We set the ARV on the last 90 days of closings among houses of the same age and style, and we keep Bellevue comps separate from Papillion and La Vista, where buyers pay a premium for those school districts. Many buyers here use VA loans, and that appraisal comes with its own property requirements, so we look at the scope with those in mind: roof life, safety items and working mechanicals.
The Missouri River and Papillion Creek flooded in 2019 and put part of Offutt itself under water, so low lots along the river and creek need a flood zone check before you buy. Basements in the 1960s and 1970s houses here can leak or show bowed walls, and radon is common across eastern Nebraska, so test it. The older parts of town sit on bluffs and slopes, so check drainage, retaining walls and settling. Hail is the roof story here, as it is across the metro.
Who buys your finished Bellevue deal
Finished Bellevue houses sell to military households on VA loans, civilian base workers and first-time buyers priced out of west Omaha. A house that clears a VA appraisal and shows well in photos moves quickly, since many buyers shop before they arrive in town. The rental exit is also real: military families rent too, and a DSCR refinance can turn a tight flip into a long-term hold.
Your whole loan, in one portal
Apply once and the whole Bellevue loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.
What we fund in Bellevue
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Bellevue.
DSCR Rental
Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Bellevue
We broker deals across the whole Bellevue market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
We shop it
Your scenario goes to the lenders in our network that actually fit it and are licensed in Nebraska, not all 400 at once.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
Plan on 7-14 days with completed flips and 21-30 days on a first flip. We stay on title and the lender through funding.
Bellevue hard money FAQ
Do you lend hard money in Bellevue?
Which fix and flip programs apply in Bellevue?
How fast can a Bellevue hard money loan close?
How much do I need to bring to close on a Bellevue flip?
Do you fund the rehab budget in Bellevue?
What credit score do I need for a Bellevue fix and flip loan?
Can I refinance a Bellevue flip into a rental loan?
How does Offutt Air Force Base affect flipping in Bellevue?
Can I get a loan for my first flip in Bellevue?
Before you sign anything
Ready to fund your Bellevue deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.