Nampa, ID's Trusted Hard Money Lender for Real Estate Investors

Nampa is Canyon County's largest city and one of Idaho's biggest, offering Treasure Valley buyers lower prices than Boise and Meridian with easy access to I-84. Northwest Nazarene University, the College of Western Idaho, two major hospitals, and a strong food-processing sector give the city a stable economic base.

Unitas Funding provides Nampa investors with private loans for fix-and-flip, new construction, bridge, and DSCR rental properties. Rates start at 8.99%, leverage reaches 92.5% loan-to-cost, and $4.5 billion funded stands behind every loan.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Nampa Deal

As buyers look west for value, Nampa's older neighborhoods and new subdivisions both offer room to grow. Unitas issues pre-approval in 24 hours and funds construction draws in 24–48 hours.

Fix & Flip Loans

Fix & Flip Loans

Homes near downtown Nampa and Lakeview Park give investors good renovation upside at an affordable entry price. Unitas funds your purchase and rehab in one loan with 12-, 18-, or 24-month interest-only terms.

 

 

Learn More
New Construction Loans

New Construction Loans

Farmland on Nampa's edges keeps turning into new neighborhoods as the Treasure Valley grows. Our construction loans cover the full build, from foundation to final inspection.

Learn More
Bridge Loans

Bridge Loans

Want to buy your next Nampa property before your current one sells? A Unitas bridge loan lets you close now and exit on your own schedule.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Students at NNU and CWI, plus staff at Saint Alphonsus and St. Luke's in Nampa, create consistent rental demand. Our DSCR loans qualify the property based on its rent.

Learn More


What Makes Unitas Different in Nampa

  1. Straight Answers, Fast
    Unitas is a direct lender. Nampa investors talk to decision-makers and get answers in hours.

  2. Canyon County Insight
    We know how Nampa compares with Boise, Meridian, and Caldwell on price and rent, and we set loan terms around realistic numbers.
  3. Draws That Keep Builders Moving
    Draws are funded in 24–48 hours, which helps Nampa builders keep crews on site during the building season.

  4. Capital for the Long Run
    With $4.5 billion funded, Unitas can grow with you from a single Nampa flip to a full rental portfolio.

shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours
Have a Nampa property in mind? Share the details and get a pre-approval in 24 hours.

Frequently Asked Questions

How long does a Unitas hard money loan take to close in Nampa?

Most Nampa loans close within 10 business days of a complete application.

Does Unitas finance ground-up construction in Canyon County?

Yes. We fund new single-family and small multifamily construction in Nampa and across Canyon County.

How much leverage can I get on a Nampa flip?

Qualified investors can finance up to 92.5% of total project cost.

Does Unitas offer DSCR loans in Nampa, Idaho?

Yes. Our DSCR loans qualify rental properties based on their income, not your tax returns.

Which cities near Nampa does Unitas serve?

We lend across the Treasure Valley, including Caldwell, Meridian, Boise, Kuna, and Middleton.

 

 

 

Ready to Fund Your Next Nampa Real Estate Investment?

Unitas Funding gives Nampa investors the fast, dependable capital they need as Canyon County keeps growing. From downtown renovations to new homes on the city's edges, we fund projects across the area. Contact us today to talk about your next Nampa investment.


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.