Hard Money Loans Texas
No Credit Check — No Tax Returns — Fast Close
Asset-based hard money lending across all of Texas — Houston, Dallas, San Antonio, and every county.
Our hard money programs approve on the asset alone — no tax returns, no credit check required.
We also have programs with rates below bank rates and terms up to 30 years for qualified borrowers.
Hard Money — Approved on the Property, Not Your Background
Banks take 60–90 days and turn away anyone with credit issues or complex income. Hard money closes in weeks and looks at one thing: the asset.
🚫 No Credit Check
Hard money approval is based on property value — not your score. Past bankruptcy, foreclosure, or no credit history — none of it matters.
📄 No Tax Returns
No income verification. No W-2s. No 2 years of returns. We underwrite the asset, not the borrower's financial history.
⚡ Same-Day LOI
Call us about your property and we'll issue a letter of intent the same day. No weeks of back-and-forth.
🏎 Fast Closings
Hard money closes in weeks — not the 60–90 days banks take. When a deal can't wait, hard money is the answer.
💰 No Upfront Fees
No application fee. No processing fee before closing. Nothing out of pocket to get started.
📍 All Texas Counties
Houston, Dallas, San Antonio, Austin, Fort Worth — and every county statewide. We lend where others won't.
📈 Beat the Bank — Rate & Term
Not all our programs are hard money. Some offer interest rates lower than many banks — AND terms up to 30 years fully amortized. Ask us which program fits your deal.
Hard Money Loan Programs We Close
Every program below closes without tax returns or credit approval. Direct lender — no middlemen.
Bridge Loans
Short-term financing while you arrange permanent funding. Close now — refinance later.
Fix & Flip
Purchase and rehab financing. Approved on after-repair value (ARV) — not current condition.
Cash-Out Hard Money
Pull equity from commercial or investment property fast. No income docs, no credit check.
Land & Lot Loans
Raw land, commercial lots, and undeveloped parcels. Banks won't touch it — hard money will.
Distressed Property
Foreclosure, REO, or properties in poor condition. Hard money funds what banks refuse.
Fast Close Deals
Competitive situations where speed wins. Same-day LOI and close in weeks — not months.
Need to close fast?
Same-day LOI — no upfront fees — no credit check.
Who This Is For
If any of these sound like you, call us today.
Real estate investor who needs to close fast — deal won't wait for bank underwriting
Bad credit or past foreclosure — hard money looks at the asset, not the score
Self-employed with no documentable income — hard money doesn't require it
Own land or raw property that banks won't finance — we fund hard-to-place deals
Fix & flip investor who needs purchase plus rehab financing in one loan
Foreign national with Texas real estate — we lend to non-US citizens and non-permanent residents
Broker with a client who can't get bank approval — we pay referral fees
Common Questions
What borrowers ask before calling.
What's the difference between hard money and a regular commercial loan?
A bank loan qualifies you on income, credit, and financial history — and takes 60–90 days. Hard money qualifies on the property value alone, closes in weeks, and doesn't require tax returns or a credit check. Higher rate, faster close, less documentation.
Do I need good credit?
No. Hard money is asset-based — we approve on the property's value and your equity. Past bankruptcy, foreclosure, low score, no score — none of it disqualifies you on our hard money programs.
How fast does hard money close?
Same-day LOI once we review your property. Closings typically run 2–4 weeks — far faster than the months a bank takes. If your deal has a deadline, call us first.
What LTV do you lend to?
Up to 65% LTV on most hard money programs. Raw land typically up to 50% LTV. We'll run your numbers for free — just call or submit a quick quote.
Do you lend to foreign nationals?
Yes. Hard money is asset-based — approval is on the property, not the borrower's citizenship or visa status. Non-US citizens and non-permanent residents qualify on the same programs as US borrowers. If you own or are purchasing Texas real estate, call us.
Searching for a hard money lender near me?
Yes — we've been funding hard money loans across Texas since 1998. Houston, Dallas, San Antonio, Austin, and every county. No credit check, no tax returns, foreign nationals welcome. If you need a hard money lender near you for a fast close, raw land, bad credit, or a deal banks won't touch, call us for a same-day LOI.
Get Your Hard Money LOI Today
Tell us about your property — same-day letter of intent, no upfront fees.
No tax returns. No credit check. Direct lender since 1998.