Helping Borrowers turn Projects into Profits

Whether it’s funding for the rehab of distressed homes, or construction of new residential properties, we’re committed to helping you achieve your real estate investment objectives in the fastest, most cost-effective manner, while minimizing risk.

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Loan Programs

1280 Horizons LLC - Mortgage Lending excels at developing innovative real estate financing solutions tailored to the specific needs of each borrower. Our commercial-purpose loans provide funds for the acquisition and construction of single-family or multi-family rehab or new-build projects.


Get Your Funding Fast

We’re built to move fast. Probably faster than you’ve ever seen before.


1st time borrowers approved quickly.


Funding in 2-5 days for existing borrowers.


Funding in 24 hours of a completed package. No third party approvals.


Flexible Terms

Let us fund more of your project and keep your money at work.


Up to 100% of project costs funded.


Loan to Value: Up to 90% of our estimated after-repair value.


Up to 100% of construction budget funded.


Term: 7.5% (1 Year) / 6.5% (2-3 Years) / 6% (4-5 Years), interest only. No hidden fees!


10% borrower contribution.


Only pay interest on construction funds drawn.

PORTFOLIO LENDER

We are an asset-based lender, and we portfolio all of our loans. That means that our team originates, underwrites and services your loan from beginning to end. We do not broker loans or sell loans to investors, and we do not require third-party approvals. This allows us the flexibility to make fast, common sense lending decisions and provide you with exceptional service as a lending partner with a vested interest in your success.


Reliable Service

If we tell you we will fund it, we will fund it.

  • In-House Underwriting

    We have complete control of loan approvals and can assure funding upon project approval. We are not a broker.

  • Direct Access to Decision Makers

    As a portfolio lender, we protect our investments by supporting our borrowers.

  • In-House Draw Processing

    Our goal is to disburse funds for each draw request in less than 7 days from the date a complete draw request has been received.

  • Online Dashboard

    Our online portal allows easy access to your existing loans, draw requests, payment history and more.



Shaun Douglas

Over the past 15 years, we’ve worked with many different real estate lenders and have learned that some are much better than others.1280 Horizons LLC - Mortgage Lending has become our preferred lender, financing over 30 of our projects since 2016. Their reliability and speed are unmatched, but what we value most is the relationship we have with their team.


Is Your Project a Good Fit?

1280 Horizons LLC - Mortgage Lending specializes exclusively in commercial loan programs that help our clients finance the acquisition and rehabilitation of distressed residential properties or construction of new residential properties. Properties financed by 1280 Horizons LLC - Mortgage Lending are often sourced from short sales, auctions, probate sales, bank-owned inventory, wholesalers, off-market advertising or the multiple listing service

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