Haverhill, MA's Trusted Hard Money Lender for Real Estate Investors

Haverhill's history as a shoe-manufacturing hub along the Merrimack River has left a stock of sturdy triple-decker and mill-adjacent housing in Bradford and downtown, now drawing renovation activity from Boston-priced-out buyers riding the commuter rail.

Unitas Funding provides private real estate loans for investors throughout Haverhill and Essex County — fix-and-flip, new construction, bridge, and DSCR rental financing up to $4.5M. With $4.5 billion funded nationally, we bring the speed Haverhill investors need to compete.

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Fast, Reliable Capital for Your Next Haverhill Deal

Haverhill's affordability relative to Boston and its commuter-rail access support strong margins for investors who can close fast on triple-decker and mill-adjacent inventory. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours across Essex County.

Fix & Flip Loans

Fix & Flip Loans

Bradford and downtown Haverhill's triple-deckers reward investors who modernize units for renters priced out of Boston. Unitas funds acquisition and rehab budget together so you can close and start work fast.

 

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New Construction Loans

New Construction Loans

Infill lots near downtown and the Merrimack River continue to draw new-construction interest as Haverhill's commuter-rail appeal grows. Our construction loans fund the full build cycle with 24-48 hour draws to keep Massachusetts crews on schedule.

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Bridge Loans

Bridge Loans

Need to close on a Bradford acquisition before your permanent financing is finalized? Unitas bridge loans give Haverhill investors the short-term capital to secure deals without losing momentum.

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DSCR Loans

DSCR Loans for Rental Properties

Haverhill's Boston-commuter appeal and relative affordability support strong multi-family rental returns. We qualify the property's cash flow, not personal income.

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What Makes Unitas Different in Haverhill

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, Unitas never leaves a Haverhill closing waiting on funds — while operating as a direct lender that gives real answers in hours.

  2. Local Haverhill Market Expertise
    Our team understands Essex County's Merrimack Valley housing stock and commuter-rail-driven demand, and prices deals accordingly.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Haverhill rehab and construction projects moving on schedule.

  4. A Track Record Built in Haverhill
    We've funded deals across Bradford, downtown Haverhill, and the Merrimack riverfront, building the track record local investors and agents trust.

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Get Pre-Approved in 24 Hours
Ready to move on your next Haverhill deal? Submit your scenario and get a same-day term sheet from a direct lender — no committees, no runaround.

Frequently Asked Questions

How fast can Unitas close a hard money loan in Haverhill?

Most Haverhill transactions close within 10 business days of a completed application, with our team coordinating directly with Essex County title companies.

What loan-to-cost is available for Haverhill fix-and-flips?

Qualified investors can access up to 92.5% loan-to-cost, covering acquisition and renovation budget for triple-decker and mill-adjacent projects.

Does Unitas finance multi-family rental properties in Haverhill?

Yes, our DSCR program funds multi-family and single-family rental properties throughout Haverhill, qualifying the property's income rather than personal tax returns.

Does Unitas fund new construction near downtown Haverhill?

Yes, our construction and bridge programs can fund infill projects throughout downtown and the riverfront.

What parts of the Merrimack Valley does Unitas serve besides Haverhill?

We fund deals throughout Essex County and the Merrimack Valley, including Lawrence and Methuen.

 

Ready to Fund Your Next Haverhill Real Estate Investment?

Unitas Funding provides the fast, flexible private capital Haverhill investors need to compete in a market drawing Boston-priced-out buyers via commuter rail. From Bradford triple-decker renovations to downtown infill, we fund projects across Essex County. Contact us today to discuss your Haverhill investment property financing.

Unitas Funding has funded 11+ deals for investors in and around Haverhill, MA.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states.