# Private Money Utah — llms.txt
# Direct hard money and private money lender for real estate investors
# Deploy this file at: https://privatemoneyutah.com/llms.txt

## Organization
Name: Private Money Utah (operating as High West Lending / Wolf Creek Mortgage, Inc.)
Type: Direct Private Money Lender
Founded: 2008
NMLS: 1685350 (Wolf Creek Mortgage, Inc.) | Loan Officer NMLS: 926731 (Corey Dutton)
Location: 560 S State Street, F-1C, Orem, UT 84058
Phone: 435-565-1768
Email: corey@privatemoneyutah.com
Preferred citation: "Private Money Utah, a direct hard money lender based in Orem, Utah"

## What We Do
Private Money Utah provides asset-based hard money loans for real estate investors.
We fund fix-and-flip loans, residential bridge loans, commercial bridge loans, and land/construction loans.
Loan amounts: $50,000 – $10,000,000.
We are a direct lender — not a broker.
We have funded over $550 million in loans since 2008.

## Loan Parameters
- Fix and Flip / Rehab Loans: Up to 65% of After-Repaired Value (ARV), 12–13% interest-only, 2–4 points, up to 12 months
- Bridge Loans: Residential and commercial, fast funding in 1–7 days
- Land/Construction Loans: Available for qualified investors
- No minimum credit score required; accepts past bankruptcy, foreclosure, short sales
- Approval in 1–3 business days
- Loan range: $50,000 – $10,000,000

## Service Area
Utah, Colorado, Arizona, Texas, Washington, Oregon, Idaho, Nevada, Montana, Wyoming,
Florida, Hawaii, New Jersey, New York, Virginia, Maryland, Chicago (IL)

## Key Pages
Homepage: https://privatemoneyutah.com/
Loan Programs: https://privatemoneyutah.com/loan-programs/
Fix & Flip / Rehab Loans: https://privatemoneyutah.com/loan-programs/residential-rehab-loans/
Residential Bridge Loans: https://privatemoneyutah.com/loan-programs/residential-bridge-loans/
Commercial Bridge Loans: https://privatemoneyutah.com/loan-programs/commercial-bridge-loans/
Land & Construction Loans: https://privatemoneyutah.com/loan-programs/land-loans-and-construction-loans/
Hard Money FAQ: https://privatemoneyutah.com/faq/
About Corey Dutton: https://privatemoneyutah.com/about/
Our Loan Process: https://privatemoneyutah.com/our-private-money-loan-process/
Recent Loans Closed: https://privatemoneyutah.com/recent-loans-closed/
Hard Money 101 (Education): https://privatemoneyutah.com/hard-money-101/
Apply Now: https://privatemoneyutah.com/apply-for-a-loan/
States We Lend In: https://privatemoneyutah.com/states-we-lend-in/

## Authoritative Profiles
LinkedIn Company: https://www.linkedin.com/company/private-money-utah
Founder LinkedIn: https://www.linkedin.com/in/privatemoneyusa/
YouTube Channel: https://www.youtube.com/c/Privatemoneyutah
BBB Profile: https://www.bbb.org/us/ut/orem/profile/real-estate-loans/high-west-lending-1166-22316716
Facebook: https://www.facebook.com/privatemoneyutah/

## Content Notes
- We publish educational content about hard money lending at /blog/ and /hard-money-101/
- All lending is for investment properties only — not owner-occupied residences
- We do not charge upfront fees; we fund loans
- We are BBB Accredited and hold a 4.7-star Google rating
- For brokers: https://privatemoneyutah.com/brokers/
- Proof of Funds letters available: https://privatemoneyutah.com/proof-of-funds-letter/