Fastest Hard Money Lender In Texas

Our Hard Money Loan Texas Advantages

  • Up to 90% of Purchase, 100% of Rehab
  • No income or Employment Required
  • Close as Fast As 5 Days!
  • Fix and Flip Loan
  • Multifamily Loans
  • DSCR Loans
  • Commercial Real Estate Loans


Fastest Hard Money Loan Lender in Texas ready to help you in your real estate investment journey!

Welcome to CambridgeHomeLoan, where we redefine your real estate investment experience with Texas-centric expertise. As your premier Hard Money Loan partner in the Lone Star State, we bring unparalleled efficiency, flexibility, and a deep understanding of the Texas market to ensure you can seize opportunities and achieve your financial goals with confidence. 

Empower your real estate ventures in Texas with the support of CambridgeHomeLoan. Choose us as your trusted Hard Money Loan Texas partner, and let our Texas-centric expertise and commitment be the driving force behind your success in the Texas’s dynamic and prosperous real estate market.

Fix To Rent Loans Texas

fix and flip loan pennsylvania
    • 1-500+ properties

    • Single-family, 2-4 units, condos, townhomes, multifamily

    • 5yr, 7, 10 and 30 year terms

      • Up to 90% of cost

    • Up to 100% of rehab

    • Up to 75% of completed value

    • $70,000 – $100 million

Fix And Flip Loan Texas

    • 1-500+ properties

    • Single-family, 2-4 units, condos, townhomes, multifamily

    • 12 To 24 month terms

      • Up to 90% of cost

    • Up to 100% of rehab

    • Up to 75% of completed value

    • $100,000 – $100 million

MultiFamily Loan Texas /
Commercial Real Estate

      • 1-50+ properties

      • Multifamily, condos, student housing, 
      • mixed use w/ majority residential

      • 12, 24 mo., 5,10,30,40 year terms

      • Up to 100% of cost

    • $1M – $50M

      • Bridge, Construction, Permanent, Refi.

Hard Money Lenders in Texas

While Texas boasts several hard money lenders,  stands out by providing a swift, straightforward, and transparent path to finance your upcoming real estate venture, all without the burden of credit concerns. Plus, with our hard money loan option, you can access the funds you need rapidly without the stress of an upfront payment.

Hard Money Loans Texas – Financing Up to 90% of the Purchase Price and 100% of the Rehab costs allows real estate investors to succeed in growing their real estate investment portfolios nationwide.

fast hard money loan terms

Fast Close! Get a Quote From The #1 Hard Money Lender in Texas


Trends of Real Estate Investment in Texas

Texas has been a hotspot for real estate investment, and it’s crucial to understand the current trends that are shaping the market. Here are some of the key trends:

Urbanization and Population Growth: Texas is witnessing a significant influx of residents from other states and even internationally. Cities like Austin, Dallas, and Houston are expanding rapidly, leading to a higher demand for housing and commercial spaces.

Diversification of the Economy: Texas has diversified its economy beyond oil and gas. Technology, healthcare, and manufacturing sectors are thriving, attracting investors looking for stability and growth.

Thriving Rental Market: The rental market in Texas is robust. With many young professionals and families opting to rent, there’s a steady demand for rental properties.

Real Estate Technology: PropTech is becoming increasingly important in Texas. Innovations like online platforms and smart home technologies are influencing investment decisions.

Focus on Affordable Housing: There’s a growing focus on affordable housing projects as the state addresses the housing needs of its growing population.

rental loan


* Cash-out & Refinance
*30 or 40 year loan..
* Closing 30 days!
* Up To 80% LTV

fix and flip loan programs


*Up to 90% of the Purchase
*100% of the Rehab.
* Closing as fast as 5 days!
* Fix to Flip or Fix to Refi . * 30 or 40year DSCR loan

dscr loan program


*Up To 85% LTV
* Cash Out Refinance
* 15-30 Day Close!
* No Income Required
* No Employment Required

construction loan


*Ground Up Construction
Up To 85% Of Land
* 100% of Construction
* Builders and Developers!


How Hard Money Loans Texas are Helping Real Estate Investors Succeed

Hard money loans in Texas have become an essential tool for real estate investors, aligning with the trends mentioned above:

Quick Financing: In a fast-paced market like Texas, hard money loans offer quick access to capital, allowing investors to seize opportunities without delay.

Flexibility: Hard money lenders in Texas are often more flexible in their lending criteria, which can benefit investors with unique projects or credit challenges.

Property Rehabilitation: These loans are ideal for property rehab projects, which are prevalent in Texas. Investors can secure funds for renovations and improvements.

Investment Diversification: Hard money loans in Texas enable investors to diversify their portfolios by participating in various real estate projects across the state.

Competitive Advantage: Investors who can make all-cash offers due to hard money loans often have a competitive edge in negotiations, particularly in a hot market.

Texas hard money loans remain a prime location for real estate investment, and hard money loans play a pivotal role in helping investors capitalize on the evolving trends in the state’s real estate market. takes pride in offering the unmatched hard money loan lending solutions in Texas and nationwide, and have served the real estate investment industry for over 25 years. We have extensive experience providing hard money loans for successful rehabs, refinances, purchases, and new construction projects. As hard money loan experts we know what it takes to win at Texas real estate. We are actively funding all over Texas including Houston, Dallas, San Antonio, Austin, El Paso, Fort Worth, Corpus Christi, Arlington, Lubbock, Galveston, Plano Texas and Nationwide

Fast Close! Get a Quote From Best Hard Money Loan Lender in Texas

How Does a Hard Money Loan Work in Texas?

A hard money loan is a way for you to borrow money for real estate without using traditional mortgage lenders. Instead, the funds come from individuals or investors who lend money based primarily on the property you’re using as collateral.

Hard money loans are generally short-term loans, lasting from one to three years. You use them as a quick way to get money for a purchase. However, you wouldn’t want to keep one of these loans for an extended period because interest rates for hard money are typically relatively high. For instance, the average interest rate for hard money loans in 2020 was 11.25%

What Is A Hard Money Loan in Texas?

Hard money loans Texas are a type of private money loan and a type of financing provided by individuals or businesses known as private lenders., hedge funds or institutions. These lenders can be friends, family members, or contacts made through real estate investing groups. Unlike traditional lenders, private lenders focus more on the value of the property being used as collateral rather than the borrower’s credit score or financial history. This makes private money loans a popular choice for real estate investors looking to secure deals quickly, as the approval process is often faster and more flexible. 

Private lenders, such as in Texas, offer asset-based lending for real estate investments, emphasizing property value assessment and market knowledge. With years of experience and expertise in real estate markets, private lenders can provide valuable support to both new and experienced investors seeking financing for their investment ventures offers four main loan programs tailored to meet the varying needs of real estate investors.

The first program, Bridge Loan, is designed for investors looking to purchase, rehab, and sell or bridge an investment property. Featuring competitive rates up to 90% of purchase and 100% of rehab.

The second program,, caters to investors seeking cash-flowing properties, aka Investment loans, DSCR loans whether for a single property or to expand their portfolio. Additionally, short-term rentals are available under this program, with a focus on delivering flexible and competitive terms.

The third program, Ground Up Construction Loans, is specifically crafted for home builders, Investors and Homebuyers looking to build their dream home an investment property or a 1500 unit PUD.

The 4th category is structured financing. Structured financing allows us to utilize our own funds along with other family offices and partners funds to put together the best financing for your project and 5th. Long term government financing from SBA loans to 30 year financing.

We build our business with one relationship at a time. Each client’s individual needs are valued. We minimize the red tape surrounding qualification, and we close in as fast as five days with an appraisal in hand!

Whether you’re an Investor, builder, renovator, Home buyer  or developer,  is a real estate lender you can count on. Contact us now with your loan scenario and find out how can help you succeed.


Founded by Doug Thaler in 1998, lends in Texas, California, Arizona, Florida, Ohio, Maryland  and Nationwide to real estate investors looking to find home loans, government financing, insurance, family office and private money financing for fix and flip, residential or commercial properties nationwide. loan criteria for hard money loans

  • Loan to value up to 90% providing 100% of rehab dollars.
  • Terms up to 36 months
  • Up to 75% ARV (Funding 75% of as repaired or stabilized value)
  • No prepayment penalties
  • No experience required
  • Foreign National eligible

When you’re ready to connect with a loan officer or submit a scenario, Click Here

2. LenderFi.Co

Lenderfi.Co focuses primarily on real estate investment properties. 

Investment  highlights for their hard money loans:.

  • Typically lending up to 75% of the after-repaired value
  • Minimum FICO is 600
  • No employment verification, reserves or debt-to-income ratios required
  • No limit to the number of properties you can own
  • Foreign Nationals Eligible

3.  is a nationwide direct hard money lender for real estate investors. 

Hard money loan highlights:

  • Loan amounts from $100,000 up to $250 million
  • Investment properties only
  • Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed-Use, Office, Retail, Industrial and Warehouse are all ok
  • Up to a 75% LTV
  • Rates start at 5.99%
  • Interest only payments
  • Loan terms are 12-24 months
  • Foreign nationals are eligible
  • No prepayment penalty option is available

When you’re ready to connect with a loan officer, Click here to go to their webpage. has multiple divisions that lend on most things real estate related. From Investment properties, to commercial, owner occupied and ground up construction to retail, commercial, multi-family, hospitality and structured financing. Contact with your next real estate project or call 800-826-5077

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