What Is The Difference Between Hard Money And Soft Money How does a hard money loan differ from a conventional. – How does a hard money loan differ from a conventional mortgage – Hard Money loans from Investmark, Hard money lenders in San Antonio & Austin.. One of the biggest differences between a hard money loan and a conventional mortgage is how long it takes you to close. With a conventional mortgage.Hard Money Residential Construction Loans What Is The Interest Rate On A Hard Money Loan Pros and Cons of Hard Money Loans – Make Money Personal – Expect to pay double-digit interest rates on hard money, and you might also pay origination fees of several points to get funded. If you can’t get approved for a loan because your property is in need of serious repairs, an FHA 203k loan might pay for rehabilitation at a lower cost.