Texas Hard Money Lenders

The online world of hard money lenders in Texas can be a tough place to navigate, which is why we've researched the states top lenders.

If the idea of sorting through them all to find the right one feels overwhelming, don't worry —EmpireFunders has you covered.

Here you will find a list of top verified and licensed local and national private money lenders who lend across The Lone Star state.

Whether you are executing the BRRRR strategy on an apartment in Dallas, need a probate loan for a home you inherited in Houston or want a bridge loan to buy a bigger house for your family in San Antonio, our list of top private money lenders will help you find the funding you need quickly.

Top Texas Hard Money Loans Summary

Full summary of Texas hard money loan providers




















The 5 Best Hard Money Lenders in Texas

Fidelity Bancorp Funding

Where Other's See Obstacles We See Opportunity

Fidelity Bancorp Funding has over 30 years in the lending business and have funded 10,000 plus clients with over $10 billion dollars in capital. They provide a wide range of loan products including conventional mortgages, FHA, VA, USDA, small business and private money loans.

Their bridge loans start at 7.5% with a 75% LTV on multi-family, commercial and 1 to 4 unit residential properties.

Before You Apply
  • Loan Amount: Minimum of $500,000
  • FICO Score: Minumum of 598
  • Interest Rate: Minimum of 12.25%
Best Features:
  • $10+ billion funded and 10,000+ happy clients
  • Same day approvals and closing deals in as little as 10 days
  • Flexible and custom solutions at competitive rates and terms

RBI Mortgages

RBI Mortgages are hard money lenders located in Florida and have a variety of loan programs including residential and commercial bridge loans and funds loans from $75k to $5mil.

They offer competitive rates and no pre-payment penalties on many different property types including single-family residences and multi-family apartment buildings. They also fund loans in Texas and New York.

Before You Apply
  • Loan Amount: Minimum of $75,000
  • FICO Score: Minumum of 600
  • Interest Rate: Minimum of 7.99%
Best Features:
  • Fast approval within 24 to 48 hours, average closing within 7 to 12 days
  • There are no penalties for paying off or partially amortizing the debt at any time
  • All borrowers welcome including ones with no credit history, new businesses and foreign nationals

Noble Mortgage & Investments

Noble Mortgage & Investments offers direct hard money loans for commercial and residential real estate investors in the Houston, Dallas, San Antonio and Austin markets.

They offer a variety of loan types including fix & flip, rehab to perm, new construction, conventional and FHA loans.

Before You Apply
  • Loan Amount: Minimum of $50,000
Best Features:
  • Provides a variety of loan types including fix & flip, rehab to perm, FHA and cash-out

Lead Funding

Adding to Your Succes

Lead Funding is a direct private lender out of Greenwood Village, Colorado.

They provide private funding to real estate investors located in Colorado, Arizona, Texas and Washington and cannabis loans in all states where the industry is legal.

They have specialized loan products for new construction, refinances, acquisition and fix & flips.

Before You Apply
  • Note: We do not lend on owner-occupied properties
  • Loan Amount: Maximum of $5,000,000
  • Loan Amount: Minimum of $100,000
  • Interest Rate: Minimum of 10%
Best Features:
  • No minimum down payment requirement
  • No credit check required
  • Quick closes, in 1 to 3 business days in most cases

Commercial Partners of Texas

Commercial Partners of Texas are commercial mortgage lenders that provide commercial real estate loans, equity and mezzanine debt for acquisition, refinance and construction nationwide. 

The fund a wide diversity of property types in including office, retail, industrial, multi-family, special-purpose and warehouses.

They have strong relationships with more than 150 traditional and non-traditional lenders locally, statewide and national banks including CMBS lenders, agency lenders, REITs, life insurance companies, PE Firms, credit unions, and other bridge and special finance firms.

Before You Apply
  • Loan Amount: Maximum of $50,000,000
  • Loan Amount: Minimum of $100,000
  • Interest Rate: Minimum of 5%
  • Term Length: Minimum of 12 months
Best Features:
  • Fast closing
  • No money up front
  • Quick response

Texas Hard Money Stats

Loan Amounts
$25k to $125m
Interest Rates
3.99% to 15%
Term Lengths
1 to 360 months
Origination Points
1 to 5 points
Loan to Value Ratio
65% to 100%
Loan to Cost Ratio
65% to 100%
Closing Time
1 to 25 days

States Nearby

Looking for a Private Money Loan?

Select your state from the interactive map to find the best hard money lenders near you.
Whether you are looking for funding for a fix & flip, purchase, refinance or cash out, we have an extensive list of verified hard money lenders across the USA.
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