Hard Money Loans for Real Estate Investors in Texas
At First Time Fix and Flip Loans, we provide fast, reliable, and investor-focused hard money loans across Texas. Whether you're flipping a property in Houston or building ground-up in Austin, our private lending solutions give you the capital and flexibility needed to seize profitable real estate opportunities.
What Is a Hard Money Loan?
A hard money loan is a short-term, asset-based loan secured by real estate. These loans are designed for real estate investors who need quick funding to acquire, renovate, or build properties — without the red tape of traditional banks. Unlike conventional financing, hard money loans focus on the property's value and the investor’s exit strategy — not your personal credit score or tax returns.
Loan Program Highlights
- Loan Amounts: $100,000 to $50,000,000+
- LTV: Up to 90–95% (purchase, ARV, or asset value)
- Terms: 3 to 36 months
- Interest-Only Monthly Payments
- Close in as little as 5 business days
- Minimal documentation – NO tax returns or W-2s required
Why Texas Investors Choose Our Hard Money Loans
We work with new and experienced investors. Basic eligibility includes:
Trusted lender for over 200+ Texas real estate projects
Quick closings to secure time-sensitive deals
Asset-based underwriting with flexible terms
Personalized guidance from loan advisors
Local knowledge of Texas property markets
Use Cases for Texas Hard Money Loans
We lend on:
Single - Family Homes & Houses
Duplexes, triplexes, and fourplexes
Small multifamily properties
Commercial investment properties
We Fund Hard Money Loans Across Texas
Our lending programs serve investors across:
Our team understands Texas markets and provides local insight, fast closings, and custom solutions for each investor.
Our Streamlined Loan Process
Step 1
Submit a Deal
Submit your deal scenario
Step 2
Receive Terms
Finalize documentation and title
Step 3
Close Fast
We close in 5 business days
Step 4
Start Construction
Start your renovation, or holding strategy
Step 4
Exit
Exit via sale or refinance at your own pace
Apply Now for Fast Texas Hard Money Financing
Ready to get funded? Apply now for a Texas hard money loan. Call us or complete our simple online application to get started.