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Hard Money Lenders Houston

With our hard money lenders, Houston real estate investors have access to the funds they need for fix-and-flip projects. 

Smart Investments Start With Great Partnerships

At King James Lending, we do everything by the book. As a team, we are dedicated to ethical investing practices and seek to help real estate investors find the private loans necessary to make deals work.

Are you ready to start your next fix-and-flip investment? King James Lending offers hard money loans to real estate investors who are looking for opportunities in the Greater Houston Area real estate market. Get personalized loan terms when you reach out to our lenders in Houston, Texas!

Fast Loans | Quick Closing | Best Fees

Our hard money loans help investors build and improve local neighborhoods and communities.

Call 281-909-7487 to learn more!

Hard Money Lenders: Houston Loan Programs

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Fix and Flip

We offer real estate investment property loans for REIs. Quickly purchase a distressed property, repair it, and sell it. Experienced and “newbie” investors are welcome.

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Cash Out

Use your property’s existing equity with a hard money refinance to fund your next real estate investment or for value add repositioning.

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Also known as Gap Financing, we provide funding fast during a transitionary period, such as purchasing a new property before selling your current property.

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Solutions designed for Wholesalers. Funding for real estate investors to complete double closes when buying and selling a property on the same day.

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Apply Online 24/7 for Hard Money Loans in Houston

At King James Lending, you are not just another transaction but a Partner 4 Life!

Our team will get you to the closing table fast with our simple and reliable process. We are confident that our level of service will earn your ongoing support and trust.

The Benefits of Becoming a Partner 4 Life

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.

We aim to become your Partner 4 Life!




Top-Rated Local Hard Money Lenders

King James Lending is a local hard money lender serving Houston, TX, and surrounding areas. We provide funding to help investors pursue commercial and residential real estate projects, refinances, and purchases. We base our Houston hard money loans on the value of the property instead of your credit score. With a more personalized approach to lending, our private lenders are an excellent alternative to traditional mortgages. In order to ensure your success, we crafted a faster, simpler process to help you reach a quick closing. 


Brian Schroeder
Brian Schroeder
James is a great guy. He bought a duplex back when I was a wholesaler.
Ritchmond Construction Sorento Builders
Ritchmond Construction Sorento Builders
Local and best lender in the area . Very helpful and experienced
Marisa Gomez
Marisa Gomez
I am beyond grateful for meeting James. He took the time to meet with me and give me tons of information about the hard money lending process. I can confidently say I am now comfortable with the process thanks to James. I look forward to working with him and his team!
Ivan Parada
Ivan Parada
Just closed on a property that we bought with King James Lending. The entire process was smooth, we will for sure be using them for more of our projects.
Orlando Godoy
Orlando Godoy
Best hard money in Houston! King James lending goes above and beyond to get you the right terms and fits your needs with your situation and particular scenarios. Whether rates, or cash to close is your concern, James and his team make it happen for you! I have worked with this local lender numerous times and are always available to answer any concerns you have. The best part is if you need a quick close this is the Houston hard money lender to go to!
Stephen James
Stephen James
We were dealing with a janky broker, that was unable to close on a project for us. After a phone call with James discussing the details of our deal, King James Lending stepped in, picked up the ball and closed quickly for us!
Sabria Wallace
Sabria Wallace
I have closed a few loans with James that was very time sensitive that became profitable deals in the end.I will continue to use his services
Creg Thompson
Creg Thompson
Great guys to work with. Great experience! Give them a try. You won’t be disappointed!

Build Your Future with Us!

Ready to Fund Your Next Project?

At King James Lending, we are hard money lenders who do everything by the book! So, when you need a private loan to fund a deal quickly, you need a partner that you can trust. So over the years, we’ve developed partnerships across the Greater Houston Area to help our community grow and develop.

Are you ready to build a partnership? Then, contact the hard money lenders Houston trusts to apply for a loan today!

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Greater Houston Hard Money Lending

The Houston real estate market continues to have an increase in sales. However, this makes it more difficult to purchase real estate across the Greater Houston Area, including the Texas Bay Area. Whether you’re a novice or a veteran investor, it makes the process more complex. 

That’s why you need a Houston hard money lender who knows the market. At King James Lending, we provide just that – real, personal experience in real estate that helps YOU invest.

In real estate and finance, hard money refers to a type of loan that is secured by real property. Hard money lenders are typically private individuals or companies, like King James Lending, that see value in this type of risky venture. 

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.

Yes, while there is overlap, there is a distinction between hard money lenders and private lenders. These terms are often used in the context of real estate investing.

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. Often, these loans are often used by real estate investors who need quick funding for an investment property, especially for fix-and-flip projects or when the borrower can’t qualify for a conventional loan.

A private lender, on the other hand, is a non-institutional individual or company that loans money. While hard money lenders fall under this category, not all private lenders are hard money lenders. Some private lenders might lend money based on a relationship with the borrower, the borrower’s financial situation, business plans, or other factors, rather than primarily on the property’s value.

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. These loans are typically used in real estate transactions. 

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, the loan term is quite different. 

A mortgage for an owner-occupied home might have a loan term of 30 years or more. However, an REI’s timeline is much shorter and carries higher risk. As such, the loan terms account for that with a higher down payment or a higher interest rate. Generally, these are not long-term loans, so there’s no need for it to last several decades. 

Unlike a bank or family member, private lenders can offer more flexible loan solutions so that you don’t have to rely on a great credit score or credit history. While both might use a loan-to-value (LTV) ratio, the end result is vastly different. This flexibility is why so many REIs like working with a private lender in their community. 

With private real estate loans, you can take advantage of more opportunities, cover closing costs, and build out your portfolio. To learn more about how to make a hard money loan work for you, contact the team at King James Lending for a quick consultation!

Areas Served

While our areas for Texas-based private real estate financing are in the Greater Houston Area and the Bay Area of Texas, we are happy to work with clients in other areas as well. We offer our private loan programs and personalized financing solutions to help you meet your needs.