I'm looking for a reputable hard money lender

[Ben Watt]

Who have you borrowed money from, and what terms can I expect? I've read about a wide variety of options, but I'd like to hear directly from someone about their specific experience.

I have an offer from a lender for 100% funding at 6%, paying interest only on a 12 month note.  They're asking for an $870 fee to start the process, and it has me feeling nervous.