---
title: "SWH Funding, LLC Loan Terms (2026) | LenderTracker"
description: "SWH Funding, LLC investor loan terms as published. Hard money loans. Sourced from the lender’s own site."
canonical: https://lendertracker.com/lenders/swh-funding/
last_updated: 2026-10-17
content_signal: "search=yes, ai-input=yes, ai-train=yes"
---

Canonical URL: <https://lendertracker.com/lenders/swh-funding/> (this is the Markdown version of that page). Last updated October 17, 2026.

# SWH Funding, LLC: investor loan terms

What SWH Funding, LLC publishes about its hard money loans, with links to every source.

LenderTracker is an independent directory. Its founder is a [licensed mortgage loan originator (MLO) with Kenwood Mortgage Investments](https://lendertracker.com/disclosure/), a lender listed on this site. We don't broker loans, don't take per-loan or per-lead fees, and don't rank lenders for pay. Terms change often: confirm everything with the lender. [Full disclosure](https://lendertracker.com/disclosure/).

## Summary of published terms

- **Loan types:** Hard money
- **Channel:** Direct to investors
- **Min FICO (lowest stated):** Not published
- **Max purchase LTV:** Not published
- **Max cash-out LTV:** Not published
- **Min DSCR:** Not published
- **Loan size:** Not published
- **Prepayment penalty:** Not published
- **Arizona / Tennessee:** Headquartered in Arizona (no published state list)
- **Short-term rentals:** Not published
- **Foreign nationals:** Not published
- **Coverage:** **No published state list or nationwide statement; listed in its headquarters state**: Arizona (HQ: 1703 E Bethany Home Rd, Phoenix, AZ 85016)  
Checked 2026-10-17: No state list or nationwide statement; terms page is Phoenix Metro. With no published state list and no nationwide statement, it is listed in its headquarters state (AZ) under our coverage rule. HQ from the lender's own website.  
Source: [www.swhfunding.com/](https://www.swhfunding.com/), checked October 17, 2026

**Note:** Short-term, asset-based loans to professional investors; funding since 1999. License shown on site: NMLS 1442779, AZ BK-1008250.

Summary fields show the lender’s rental/DSCR program where it has one, otherwise its bridge program. Loan size spans all programs listed.

## Terms published on the lender’s website

Read from SWH Funding, LLC’s own website on the date shown. Advertised rates are “starting at” floors, not quotes. “States” lists the states that program names; a rate only counts toward a state page when its program names that state. Anything not shown here was not published.

| Term | Published value | States named | As of |
|---|---|---|---|
| Published rate | 12.9% (published rate, Phoenix metro single family; 14% mobile home or rural) | AZ | October 17, 2026 |
| Down payment | 15% (single family) / 20% (mobile home or rural) | AZ | October 17, 2026 |
| Fees | One-time $950 fee, no points | AZ | October 17, 2026 |

## Program details

No program-level terms published on the pages we checked.

## Sources

- [www.swhfunding.com/](https://www.swhfunding.com/)
- [www.swhfunding.com/terms-and-rates](https://www.swhfunding.com/terms-and-rates)

Checked 2026-10-17. Terms change often. Confirm directly with SWH Funding, LLC before applying.

[Visit SWH Funding, LLC](https://www.swhfunding.com/)

### See something out of date?

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[Report terms](https://lendertracker.com/suggest-a-lender/?lender=swh-funding)

### Compare with similar lenders

- [All Arizona lenders](https://lendertracker.com/arizona-lenders/)
- [Arizona hard money lenders](https://lendertracker.com/arizona-hard-money-lenders/)
- [Hard money lenders by state](https://lendertracker.com/hard-money-lenders/)

Information on LenderTracker is for general research only and is not lending, legal, tax or investment advice. Not an offer or commitment to lend. Lender names and trademarks belong to their owners. © 2026 LenderTracker.

---

Disclosure: LenderTracker is created by Alex English, a licensed real estate agent and a licensed mortgage loan originator (MLO) with Kenwood Mortgage Investments (Alex doesn't own it; it is listed like every other lender, with no special placement). Alex also makes business-purpose private money loans. None of Alex's own private lending entities are listed. LenderTracker takes no per-loan or per-lead fees and does not broker loans. Full disclosure: https://lendertracker.com/disclosure/