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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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Quick, flexible financing for purchasing, renovating, and reselling distressed properties. Ideal for both seasoned and first-time real estate investors.
Leverage the equity in your existing property to fund your next investment or for value add repositioning.
Fast, short-term financing to bridge the gap during transitionary periods, such as purchasing a new property before selling your current property.
Designed for wholesalers needing same-day funding to facilitate double closings when buying and selling a property on the same day.
Clear answers to common questions about our process, qualifications, and loan
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...
Read MoreIn 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.
Collapse ContentYes. 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...
Read MoreYes. 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.
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...
Read MoreA 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.
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,...
Read MorePrivate 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.
Collapse Content"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
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At King James Lending, we genuinely want to be an essential part of your team. We look forward to being an invaluable asset and a trustworthy partner for all your lending needs. See why we are the hard money lenders Houston investors trust.