Find Private Money Lenders in Spencer, IA

Use Lendersa® hard money mortgage calculator to find private real estate investors in Spencer, Clay, IA. Lendersa® AI technology will quickly match your loan request with hundreds of direct hard money lenders and thousands of private investors' loan programs to fund residential, commercial, and vacant land properties.

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Private Lenders Nearby in Spencer, IA

Connecting with a private investor through a local hard money broker can significantly boost your loan approval chances. In Spencer, obtaining hard money loans often relies on investors who are familiar with the neighborhood. Proximity between the investor and the property enhances approval odds and expedites the funding process.

With a population of 10952, Spencer has an average sale price of $154,280. This information is crucial for evaluating real estate options.

View our list of commercial and residential lenders offering loans secured by real estate equity, often without heavy reliance on credit scores or income verification. This list includes the distances of these lenders from Zipcode(s): 51301.

Explore offers from 100 lenders

Engaging with local lenders can provide strategic advantages by focusing on property equity rather than traditional credit assessments, streamlining the approval process.



Spencer Private Money Lenders

  • State Bank & Insurance of Spencer
  • 728 Grand Avenue, Spencer, IA, 51301
  • Lends in Iowa
  • State Bank is a single-family locally owned organization, owned by Wayne and Ryan Johnson. In 1980, Wayne Johnson started Everly Bancorporation with the purchase of the Everly State Bank. Since then, State Bank has grown to $70 million in assets, with banking offices in Everly, Peterson,

  • Farmers Bank
  • 125 W 4th St, Spencer, IA, 51301
  • Lends in Iowa
  • Our Mission - People First. Service Always. is our niche! As an independent community bank, our mission is to protect the safety of depositors funds through prudent management of risk, provide superior products and services, attract highly skilled, motivated professional employees, and create a fair return on investment to our shareholders.

  • Employees Credit Union
  • 2714 Central Avenue, Estherville, IA, 51334
  • Lends in Iowa
  • Our mission statement is simple. We will strive to become the optimum member service center for our members. We exist solely for the benefit of our members. We do NOT operate for profit. Every decision is made with the best interests of our membership in mind. Our volunteer Board of Directors works hard to keep our members needs in mind.

  • North Star Community Credit Union IA
  • 1207 N 2nd Street, Cherokee, IA, 51012
  • Lends in Iowa
  • Serving 14 counties in Northwest Iowa, with offices in Cherokee, Ida Grove, and Sheldon, North Star Community Credit Union is your full-service financial institution. Offering everything from savings, checking, share certificates, loans, mortgages and more, North Star Community Credit Union is your one-stop for all your financial needs.

  • American State Bank
  • 525 N Main Ave, Sioux Center, IA, 51250
  • Lends in Iowa
  • At American State Bank, we are committed to the accomplishment of our mission, adherence to our values, and the belief that employees are our number one resource. We expect all employees to support and commit to our values and behavioral expectations. We currently have 9 locations, Sioux Center Downtown Campus, Alton, Alvord, Granville, Hospers.

  • Power Co-op Employees Credit Union
  • 1208 North 13th Street, Humboldt, IA, 50548
  • Lends in Iowa
  • Power Co-op Employees Credit Union was chartered in 1956. From 29 members and $356 in assets after the first month of operation, it has grown to over 2046 members and $53 million in assets today. Membership in Power Co-op Employees Credit Union is open to employees of Corn Belt Power and its distribution cooperatives.

  • Prime bank
  • 37 1st Ave NW, Le Mars, IA, 51031
  • Lends in Iowa
  • Primebank has been an integral part of the growth and development of the communities it serves. In 1891, the bank was founded with the name German State Bank. Security Bank, founded in 1889, was sold to German State Bank that same year. While still the same banking institution, our bank has changed its name several times.

  • Farmers Trust & Savings Bank
  • 101 N Main St, Buffalo Center, IA, 50424
  • Lends in Iowa
  • Farmers Trust and Savings Bank is an employee-owned, community bank with offices in Buffalo Center, Lakota, Britt, Lake Mills and Bricelyn . FTSB strives to make our communities better places to live and work. We specialize in ag lending, and offer a variety of products and services to meet your personal and business needs.

  • FORT Dodge Family Credit Union
  • 407 2nd Avenue S, Fort Dodge, IA, 50501
  • Lends in Iowa
  • On April 27,1940, our Credit Union began as the Serum Employee's Credit Union. We served the Serum Company's employees and their family members. Through the years the Serum Company evolved into the Fort Dodge Laboratories and continued to evolve through other companies and is now known as Elanco Animal Health.

  • Security Savings Bank
  • 1015 Market Street, Gowrie, IA, 50543
  • Lends in Iowa
  • The history of our Bank dates back to April 25, 1914, in the small community of Slifer, Iowa, when a small group of farmers met and decided a bank was needed in the area. As a result, they organized and chartered Slifer Savings Bank. Having survived the depression of the early thirties, the Bank was relocated to Farnhamville on June 1, 1934