Hard Money Loans in Harris County Texas
Fix and Flip Loans Texas provides fast, flexible hard money loans in Harris County, Texas designed for real estate investors, flippers, and developers. With over 1,000+ funded real estate investment projects across Texas, we help investors secure funding quickly and close deals with confidence. Serving real estate investors across Texas, including Houston, Pasadena, Baytown, Katy, and surrounding areas, we are trusted in neighborhoods from Denver to Texas Springs.
Loan Program Overview
Hard money loans are asset-based loans designed for speed and flexibility.
Key Features:
- Up to 85–90% loan-to-cost (LTC)
- Up to 70–75% ARV
- Interest-only payments
- Terms from 6–24 months
- No income documentation required
- Fast approvals
How to Qualify
- Property value and condition
- Exit strategy (flip, refinance, or hold)
- Scope of work (if applicable)
- Investor experience
Property Types Eligible
- Single-family homes
- Multi-family (2–10 units)
- Condos and townhomes
- Mixed-use properties
- Distressed or off-market deals
Fast Funding Timelines
- Same-day deal review
- Term sheet within 24 hours
- Close in 5–10 business days
- Draws processed in 24–72 hours
Local Lending Experience
We understand the Harris County market, including high-demand investor zones across Houston, floodplain and drainage regulations, permitting timelines across multiple municipalities, and contractor labor demand and pricing. Projects near Downtown Houston, The Heights, and major highway corridors require fast execution, strategic planning, and strong local knowledge to remain competitive and avoid delays.
Benefits Over Traditional Banks
Faster Closings
Financing for distressed properties
Flexible Underwriting
Rehab funding available
No income verification
FAQs
A short-term asset-based loan used to finance real estate investments quickly.
Typically within 5–10 business days.
No, loans are based on the property and deal.
Up to 85–90% LTC and 70–75% ARV.
Get Started Today
Apply now for fast approval and speak to a local Texas lending expert today. Submit your deal scenario for same-day feedback to get the support you need to move forward quickly with Fix and Flip Loans Texas.