So clearly your cost for cash is important.  You would be foolish to award your business to a lender with higher than typical interest rates and origination points, but because hard money is short term, pricing shouldn’t be your primary motivation.  Your primary concern should always be to get to closing; and, to get to closing as expediently as possible. A denied loan in the eleventh hour leads to bad relationships, potentially lost deposit, and potentially lost revenue.  Same results