Last Updated: July 08, 2025

Welcome to Hard Money ("we," "us," or "our"), a hard money lending service specializing in short-term, asset-based loans for real estate investors. By accessing our website (https://m4hm.com) or using our services, you agree to these Terms of Service (ToS). If you disagree, do not proceed.

1. Eligibility & Acceptance

• You must be 18+ years old and legally authorized to enter a loan agreement.

• By applying for a loan, you confirm all provided information is truthful and accurate.

• We reserve the right to deny applications without explanation.

2. Loan Services

• Hard Money Loans: Short-term, secured by real estate (not for primary residences).

• Loan Terms: Typical LTV (Loan-to-Value): Up to 70–75% of property value.

• Interest rates, fees, and repayment schedules are disclosed in your loan agreement.

• No Guarantees: Approval depends on property valuation, borrower equity, and risk assessment.

3. Borrower Responsibilities

You agree to:

• Provide valid collateral (real estate) and proof of ownership.

• Pay all fees (origination, underwriting, late fees) as outlined in your contract.

• Maintain insurance on the collateral property.

• Notify us of any changes (e.g., property damage, bankruptcy).

4. Fees & Payments

• Interest: Accrues daily/weekly; specified in your loan docs.

• Prepayment: Some loans allow early repayment; others may charge a penalty.

• Defaults: Late payments may incur fees; repeated defaults lead to foreclosure.

5. Collateral & Foreclosure

If you default, we may seize and sell the collateral property to recover funds.

You waive rights to redeem the property post-foreclosure unless state law requires otherwise.

6. Privacy & Data Use

• We collect personal/financial data (credit reports, property details) to process loans.

• Data is shared with third-party underwriters, attorneys, or servicers as needed.

• See our full Privacy Policy for details.

7. Disclaimers

We are not financial advisors. Consult a professional before borrowing.

We disclaim liability for:

• Market fluctuations affecting your investment.

• Loan denials due to incomplete/incorrect data.

8. Termination

• We may terminate your access if you:

• Violate these terms.

• Provide false information.

• Default on payments.

9. Governing Law

These terms are governed by NJ law. Disputes will be resolved in County courts.

Contact M4HM

📞 Phone: 1-866-721-9114

📧 Email: [email protected]

🏢 Address: NJ, USA