Real Estate Loan Brokerage - Futures Funding Inc

About Us & Our Expertise

Unlock Potential with Expert Loan Brokerage!

At Futures Funding Inc., we specialize in bridge and fix-and-flip loans, DSCR (Debt-Service-Coverage-Ratio) financing, mid-construction, and new construction loans for investment real estate. All our loans are strictly business-purpose, designed to close in as little as 7 business days. Please note that we do not provide consumer loans.

Exceptional Communication

We prioritize clear and proactive communication, keeping borrowers informed every step of the way. Our commitment is to deliver confident yes’s and fast no’s, preventing delays that can cost you valuable time.

Competitive Volume Pricing

Our strong relationships with multiple funding partners enable us to offer volume pricing, ensuring you receive the best possible rates.

Your Finance Partner

We consider ourselves your dedicated finance partner, handling the complexities of the lending process to make transactions as seamless as possible.

Expertise You Can Trust

With over 20 years of experience in the hard money lending space, we are deeply attuned to market trends and dynamics, providing tailored solutions that meet your investment needs.

MEET THE FOUNDER & CEO

JAMES MCCARTHY

James McCarthy embarked on his career in private lending in 2013 as an originator for a direct lender. Over the span of five years, he ascended to a partnership role, driving monthly lending volumes from $10 million to over $50 million. Taking a hiatus in 2018 to focus on personal growth, James returned in 2019 to establish a hard money lending division for a prominent private equity firm.

Co-Founder

DERIC GWINN

Deric Gwinn's professional journey has been fueled by a passion for real estate and a robust sales background. Beginning as an originator in 2016 for a hybrid lender, Deric gained invaluable experience working alongside industry giants before venturing into independent practice.

Your Trusted Partner in Tailored Hard Money Lending Solutions

Welcome to Futures Funding Inc, your premier destination in the hard money lending sector. Led by James McCarthy and Deric Gwinn, who collectively bring over 20 years of industry experience, our team of dedicated originators is committed to delivering bespoke financial solutions tailored to meet the unique needs of each borrower.

James McCarthy established Futures Funding Inc in March 2020, specializing initially in fix and flip loans. Despite the challenges posed by the pandemic, James leveraged established relationships to provide crucial hard money and private money loans to real estate investors, propelling our business forward during a critical time.

In 2021, Deric Gwinn launched Jigsaw Funding with a focus on rental property clients. Recognizing the synergies in their expertise, James and Deric merged their companies in 2023 to form Futures Funding Inc, significantly expanding the capabilities and service offerings. Since our inception, Futures Funding Inc has facilitated over $350 million in loans, with plans to fund over $150 million in 2024 alone.

At Futures Funding, we unite seasoned leadership with an unwavering commitment to excellence, ensuring that each client receives optimal, tailored solutions. Whether you are a fix and flip investor or managing a rental property portfolio, we are dedicated to supporting your success in real estate through dependable lending solutions.

Investor Lending Program

As Hard Money lending experts, our team of experienced professionals supports you in achieving your financial needs. We have built our technology to make the experience of obtaining a loan as predictable and fast as funding investments with cash. Hard money loans are available in many states, though specifics can vary.

When exploring hard money loans, it's essential to understand several key factors. Understanding how does hard money work involves recognizing that these loans are asset-based, focusing on the value of the collateral rather than creditworthiness. Firstly, the minimum credit score for hard money loans is often more flexible and lenient compared to traditional financing. If you're wondering, how long does it take to get a hard money loan, the process is generally quicker, typically ranging from a few days to a couple of weeks. How much leverage can I get with a hard money loan depends on experience but can range from up to 100% purchase and not to exceed 75% ARV often allowing for higher leverage than conventional loans. Interest rates for hard money loans are usually higher due to the increased risk taken by lenders. They determine ARV (After Repair Value) by assessing the property's potential value post-renovation, which significantly impacts the loan amount. To determine how much can I get approved for with hard money, expect to get funding based on a percentage of the ARV or the purchase price or experience of the borrower.