Lending You Can Trust Speed You Can Count On

Smart Investments Start With A Great Partnership 

Whether you're flipping your first home or scaling a portfolio, King James Lending delivers fast, reliable capital with a personal touch.

Tailored Lending. Trusted Results.

At King James Lending, we know that speed and certainty are everything. That's why our process is fast, our terms are flexible, and our decisions are made in-house by real people who understand real estate. 

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Why Real Estate Investors Trust King James Lending

  • Fast Approvals and quick closings
  • Flexible, personalized loan terms tailored to your project
  • Over 3000 projects funded and $55M+ in loans provided
  • Deep roots in the Greater Houston Area market"

We're not your typical lender. We're your deal-making partner.

Explore Your Loan Options 

Hard Money Lending Programs
Built for Houston Real Estate Investors

Fix & Flip Loans

Fix & Flip

Quick, flexible financing for purchasing, renovating, and reselling distressed properties. Ideal for both seasoned and first-time real estate investors.

Cash-Out Refinancing

Cash-Out Refinancing

Leverage the equity in your existing property to fund your next investment or for value add repositioning.

Bridge Loans

Bridge Loans

Fast, short-term financing to bridge the gap during transitionary periods, such as purchasing a new property before selling your current property.

Transactional Funding

Transactional Funding

Designed for wholesalers needing same-day funding to facilitate double closings when buying and selling a property on the same day.

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What Investors Ask Most

Clear answers to common questions about our process, qualifications, and loan

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What is hard money?

In real estate and finance, hard money refers to a type of loan that is secured by real property. Typically, hard money loans are short-term loans lasting from one to five years. The loan amount is...

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In real estate and finance, hard money refers to a type of loan that is secured by real property. Typically, hard money loans are short-term loans lasting from one to five years. The loan amount is primarily based on the value of the property being used as collateral, not on the borrower’s creditworthiness.

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Is there a difference between a hard money lender and a private lender?

Yes. A hard money lender is a type of private lender that uses the property itself as collateral for the loan. They typically offer short-term loans. Hard money lenders are usually focused on the...

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Yes. A hard money lender is a type of private lender that uses the property itself as collateral for the loan. They typically offer short-term loans. Hard money lenders are usually focused on the value of the property as opposed to the borrower’s credit. 

A private lender is a non-institutional individual or company that loans money. 

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What is a hard money loan?

A hard money loan is a type of short-term loan that’s secured by real property and issued by private investors or companies, known as hard money lenders. They are based primarily on the value of the...

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A hard money loan is a type of short-term loan that’s secured by real property and issued by private investors or companies, known as hard money lenders. 

They are based primarily on the value of the property, rather than the borrower’s credit score or income verification, as is common with traditional lenders.

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What is the difference between traditional mortgages and private money loans?

Private money loans are typically reserved for real estate investors who need quick access to funds to capitalize on an opportunity. While traditional lenders offer alternatives to hard money loans,...

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Private money loans are typically reserved for real estate investors who need quick access to funds to capitalize on an opportunity. While traditional lenders offer alternatives to hard money loans, the loan term is quite different. A mortgage for an owner-occupied home might have a 30-year term, but an REI’s timeline is shorter and carries more risk—so terms often include a higher down payment or interest rate.

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Customer Testimonials

  • "King James Lending helped me close a deal when no one else could. Their team was fast, transparent, and easy to work with. Highly recommended!"

    Marcus J. , Investor

  • "Professional, efficient, and knowledgeable. They understood my goals and made it happen."

    Erica D., Flipper

  • "It felt like I had a true partner. Communication was clear, funding was fast."

    Dave R., Buy & Hold Investor

King James Resources

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Video Resources

Learn helpful tips, tricks and best practices as you grow your real estate portfolio.

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Upcoming Events

Check out our upcoming events that are scheduled. (Coming Soon)

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Frequently Asked Questions

Get answers quick to some of our clients most frequently asked questions.