Hard Money Lenders Texas — Direct Lender Since 1998
We are a direct hard money lender based in Texas — not a broker, not a marketplace. We’ve been funding Texas hard money loans since 1998. When you call us, you’re talking to the decision maker. No middleman, no markup, no waiting for someone else to approve your deal.
Texas Hard Money Highlights
- Direct lender — we fund with our own capital, no broker fees
- In business since 1998 — 26+ years funding Texas deals
- Close in 5–14 business days on most loans
- No income documentation, no tax returns, no W-2s
- Up to 75–80% LTV on residential investment properties
- Up to 65% LTV on commercial and land
- Purchase, refinance, cash-out, fix & flip, new construction
- Single-family, multi-family, commercial, land
- All major Texas markets + rural counties
Texas Markets We Actively Fund
DFW Metroplex
Dallas, Fort Worth, Plano, Arlington, Irving, Frisco, McKinney — the largest Texas market. High volume, fast closings, all property types.
Houston Metro
Houston, The Woodlands, Sugar Land, Katy, Pasadena — diverse market with strong rental demand across all price points.
Austin / Central TX
Austin, Round Rock, Georgetown, Cedar Park, San Marcos — high-appreciation market, fix and flip, new construction, BRRRR.
San Antonio
San Antonio, New Braunfels, Schertz, Boerne — strong military-driven rental demand. Good cash flow fundamentals.
Hill Country
Fredericksburg, Kerrville, Marble Falls, Wimberley — vacation rental market, land loans, new construction cabins.
Everywhere Else
Waco, Lubbock, Amarillo, El Paso, Midland, Odessa, Tyler, Beaumont — we lend statewide, including smaller markets banks skip.
Why Direct Lender Matters
Most “hard money lenders” you find online are brokers — they take your application and shop it to actual lenders, adding a fee for the service. That means slower decisions, more fees, and a middleman who can’t answer your questions. We’re the lender. We make the credit decision, we fund the loan, and we service it. One call gets you to the decision maker.
Texas Hard Money Loan Programs
| Loan Type | Max LTV | Rate | Term | Close Time |
|---|---|---|---|---|
| Fix & Flip | 80–90% of cost / 75% ARV | Quoted on your deal | 6–18 mo | 5–10 days |
| Rental (DSCR) | 80% purchase / 75% refi | Quoted on your deal | 30-yr fixed | 14–21 days |
| Bridge / Short-Term | 75–80% | Quoted on your deal | 6–36 mo | 7–14 days |
| Cash-Out Refi | 75–90% CLTV | Quoted on your deal | 6–36 mo | 7–14 days |
| New Construction | 75% ARV / 85% cost | Quoted on your deal | 12–24 mo | 10–21 days |
| Land / Lot Loans | 50–65% | Quoted on your deal | 12–36 mo | 7–15 days |
| Commercial | 65% | Quoted on your deal | 6–36 mo | 7–21 days |
26 Years Funding Texas Real Estate
Home Equity Lending has been making hard money loans in Texas since 1998. We’ve funded deals through the 2001 dot-com crash, the 2008 financial crisis, and the 2020 pandemic. We understand Texas real estate — the markets, the title process, the appraisers, the attorneys. That experience means fewer surprises and faster closings for our borrowers.
We lend our own capital. When the market gets choppy, we don’t suddenly stop lending because a Wall Street backer pulled funding. We’ve been here for 26 years and we’ll be here for the next 26.
Texas Hard Money FAQ
How fast can you really close?
On clean deals with a clear title and a solid appraisal, we close in 5–10 business days. The most common delay is the appraisal — if you need faster, we can sometimes use a drive-by or desktop appraisal on properties under $500K in established markets. Auction purchases and courthouse-step deals are our specialty — call us before the auction and we’ll be ready to fund the same week you win.
Do you lend in rural Texas?
Yes — we lend statewide, including rural counties that most lenders avoid. The challenge in rural markets is finding comparable sales for the appraisal. We work with appraisers who cover rural and agricultural Texas and can find comps in thin markets. LTV may be more conservative in very rural areas, but we don’t have a blanket “no rural” policy like many lenders.
Are you actually a direct lender or a broker?
Direct lender. We fund loans with our own capital. We do not broker loans to other lenders. When you call 888-727-3057, you are talking to the people who will make the credit decision and fund your loan. There is no application fee, no broker fee, and no middleman markup. Our only compensation is the interest rate and origination points on the loans we fund.
What’s the minimum and maximum loan size in Texas?
Our minimum hard money loan in Texas is $75,000. Maximum depends on the deal — we’ve funded loans up to $5M+ on strong commercial assets. Large loans ($3M+) take slightly longer to underwrite and may require additional documentation on the asset and exit strategy. There is no hard maximum if the deal makes sense.
Looking for a Texas hard money lender that’s actually the lender? Apply today — or call 888-727-3057. We’ve been doing this since 1998.