Hard Money Loans in Harris County Texas
Fix and Flip Loan Texas provides fast, reliable hard money loans in Harris County Texas for real estate investors who need speed and flexibility. Whether you’re purchasing, renovating, or refinancing, our lending solutions are built to help you close deals quickly in competitive markets like Houston, Pasadena, and Katy
Loan Program Overview
Hard money loans are short-term, asset-based financing solutions used by real estate investors. Instead of relying on income verification, these loans focus on the value of the property and the strength of the investment.
Loan Program:
- Fix and Flip Loans (up to 90% purchase + 100% rehab)
- Bridge Loans for quick acquisitions
- Rental Property Financing
- Cash-Out Refinancing to access equity
How to Qualify
- Investment property (non-owner occupied)
- Strong deal metrics (LTV, ARV, LTC)
- Clear exit strategy
- Experience preferred but flexible
Property Types Eligible
- Single-family homes
- Multi-family properties
- Condos and townhomes
- Mixed-use developments
- Commercial real estate
- Distressed or value-add properties
Fast Funding Timelines
- Same-day deal review
- 24–48 hour term sheet
- Close in 5–10 business days
Local Lending Experience
We understand the Harris County real estate landscape, including permitting, inspections, and contractor coordination across Houston, Pasadena, and Katy. Our experience helps investors avoid delays and complete projects efficiently.
Benefits Over Banks
Investor focused underwriting
Rehab Financing Included
Flexible underwriting
Faster approvals
No Income Docs Required
Serving Real Estate Investors Across Texas
We serve investors across Texas and are trusted in markets from Denver to Texas Springs, Aurora, Fort Collins, Lakewood, Thornton, Arvada, Westminster, Pueblo, and Greeley.
FAQs
A short-term, asset-based loan used by real estate investors based on property value instead of income.
Mostly loans close within 5–10 business days.
No, approval is based on the property and deal.
Typically up to 70–75% ARV depending on the deal.
Yes, many loans include 100% rehab financing
Yes, we serve investors throughout Texas, including Harris County.
Get Started Today
Apply now for fast approval and speak to a local Texas lending expert today. Submit your deal scenario to receive same-day feedback and get started on securing the funding you need.