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A hard money loan secured to real estate is a loan that is not purchase money. It is money loaned to a borrower, which is not always used to buy a home. You can get a hard money loan without owning a home at all — without any security for that loan — providing the lender feels you are a good credit risk.
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Hard-money loans are personal loans secured by real estate. "How to Get Money for a Down Payment on an Existing Business." Small Business – Chron.com,
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