Hard Money 100% Financing in Texas

100% hard money financing is possible in Texas — but it requires the right deal structure and the right lender. Commercial Loans of Texas has access to programs that can fund up to 100% of your purchase and rehab costs when the numbers work.

How 100% Hard Money Financing Works

True 100% financing typically requires: the property has enough equity to cross-collateralize, the deal is a fix-and-flip where ARV supports full funding, or you bring additional collateral to the table. We structure creative deals that other lenders won’t touch.

100% Financing Programs We Offer

• Fix & Flip — up to 90% LTC + 100% of rehab costs on strong deals
• Cross-collateral loans — use existing equity in another property
• 90% CLTV Program — combined loan-to-value up to 90%
• Private money — negotiated terms based on deal strength

Talk to Us About Your Deal

Every 100% financing situation is unique. Call 877-895-3634 and tell us about your deal. We’ll tell you straight whether we can fund it — and at what terms.