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Best Hard Money Lender for Real Estate Investors

Houston Real Estate Investment Property Hard Money Loans

Fast, Short Term, Asset Based Private Hard Money Loans to Invest in Texas

Hard Money Loan
for Real Estate Investors

King James Lending is here to finance your real estate investment projects. To request financing, simply submit the details of your project and a representative will contact you. 

Is this your first deal?

Don’t worry, we can help you analyze your deal! We want your transaction to be profitable. Your success means you will come back to us for more real estate funding and short-term financing.

HARD MONEY = MORE BUYING POWER!

EASY INVESTOR FINANCING

You can finance your next real estate investment properties without emptying your bank account, which means you can buy more and profit more! Don’t let an opportunity pass you by!

Real Estate Investor Funding

OUR GOAL

We do hard money loans to assist you with short-term financing. Experienced or novice, we will analyze your deal to ensure you reach

YOUR GOAL

Simple & Easy Application

Just submit a few details to get started! We help borrowers—like you—get the funding they need to build their financial future fast!

Flexible Investment Loan Terms

Our expert team will work with you to create the best possible short term loan for your real estate projects. 

Short Term – Fast Funds – Great Rates

1 Month – 6 Months – 12 Months

Fix-and-Flip Loans

Private funding for real estate investors for their investment properties. Quickly purchase a distressed property, repair it, and sell it. Experienced and "newbie" investors welcome.

Bridge Loans

Also known as Gap Financing, to provide funding fast during a transitionary period, such as the purchase of a new property before the sale of your current property.

Transactional Funding

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

Cash Out Refinancing

Use your property's existing equity to fund your next real estate investment or for value add repositioning.

King James Lending Logo - Hard Money Lender - Private Money Lending - Investor Loans - Houston, Tx - Seabrook, Texas

"We Do Things By The Book"

Finance Your Real Estate Investment Properties with King James Lending, Your hard money loan lender.

We Fund Victory

This Is What They Say

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FAQ

Most frequent questions and answers

Fix & Flip Loans

This is a short-term, asset-based loan and it is used to purchase a property that needs a rehab in order to flip or sell. These properties may also become rentals and leased out. In those cases, you can choose to refinance.

Bridge Loans

Fast funding for transitioning or purchasing a new property without waiting for the sale of another property to fund your purchase.

Transactional Funding

Designed for property wholesalers and complicated situations. This is funding for transactions when you need to purchase and sale a property on the same day, also known as a double close.

Cash Out Refinance

This type of short-term loan is used to cash out your existing equity so you can use it to purchase another investment property.

An asset-based loan is a loan based on the value of the collateral (in this case, the investment property) and not solely on the borrower’s credit, ability to pay, or net worth.

This gives real estate investors access to financing that would be nearly impossible from most financial institutions and banks.

No, we do not pull your credit for short-term, asset-based loans.

For Fix & Flip Loans we require some basic information to get started. This includes:

  1. Completed Application (which can be filled out using our Request Funding Form),
  2. Financials (proof of funds),
  3. Contract, including assignments and amendments,
  4. Estimated After Repair Value (ARV) and repair costs, 
  5. Current Photos of the interior and exterior of the property and,
  6. If applicable, documentation of the business entity.

Typically we will finance up to 70% of the ARV, or After Repair Value, of the property.

Yes.
We will hold the repair amount in escrow and release it as repairs are needed.
When you require funds, you will request an escrow draw (see more info below).

Simply contact our team to make your request. There is a $100 fee per request. After the borrower requests an escrow draw our team will review it and funding should be released within 24 hours.
Please Note: Documentation of the work to be completed, or already completed, should be submitted to our team with an escrow draw request.

No. Our lending is based on loan-to-value, not loan-to-cost ratios. This allows you to be able to finance the house 100% if you have been able to negotiate the purchase price low enough.

This depends on your loan amount.

At minimum, you will have to bring the points plus closing costs to closing.

Points are calculated in relation to the loan amount. Each point equals one percent of the loan amount.

The amount of your loan is determined after we receive and review your application. Our team will make every effort to help you receive the request amount.
Documentation is your BEST FRIEND! The more details and documentation you provide, the faster we can analyze your loan, and GET YOU FUNDED!

The loan pay off will be at closing through the title company.

Interest Rate is the cost you will pay each year to borrow money, expressed as a percentage rate. This does not reflect any fees or other charges you may need to pay for the loan.

Annual Percentage Rate (APR) is a broader measure of the cost to you for borrowing money, also expressed as a percentage. In general, APR includes the interest rate PLUS any points, fees, and other charges that you pay to get the loan. As such, an APR is usually much higher than the interest rate.

Amortization is the distribution of loan repayments into multiple cash flow installment payments. Unlike other repayment models, each installment payment consists of both the principle (amount borrowed) plus the interest.

Basically, your monthly payment goes towards both the interest and the principal of the loan.

At this time we provide short-term loans only in TEXAS.

If you, or your investment property, are not located in Texas, you can still contact our team, or submit your Request Funding Application.

Sí – Tenemos miembros del equipo que hablan español y pueden ayudarlo.

Yes – We have team members that speak spanish and can assist you.

Just a few details to get your deal funded!

Request Funding

  • Please provide us with your home address.
  • Please tell us what type of short-term loan you need.
  • If you are requesting a Bridge or Refi/Cash-Out loan, we need to know your exit strategy. Example: To refi out of your short-term loan and into a long-term loan.
  • Please provide the address of the investment property.
  • How much cash (liquid assets) or equity do you currently have as security for your investment project?
  • What is the estimated After Repair Value of the investment property?
  • What is the estimated cost of repairs?
  • How much do you need to finance?
  • What is your expected start date?
    MM slash DD slash YYYY
  • What is your expected finish date? When do you expect to have repairs completed?
    MM slash DD slash YYYY
  • Please give us some more information about your project or situation

Just a few details to get your deal funded!

Transactional Funding Application

To apply for Transactional Funding, simply fill out the form below. A representative will contact you ASAP!
  • Contact Information

    Provide your contact information below and how you would like to be contacted.
  • Please provide us with your home address.
  • Please select all that apply.
  • Experience

    Tell us more about yourself and your experience as a real estate investor. If you are a Wholesaler, let us know about your experience.
  • What are the property types you have invested in and/or wholesaled?
  • Tell us more about your experience as a real estate investor or wholesaler. You can also share your investment goals and plans for future projects, or share any other relevant information below.
  • Hidden
    Please tell us what type of short-term loan you need.
  • Hidden
  • Investment Property Details

    Provide the details about your investment property for this transaction.
  • What is your purchase price for the property?
  • What is the sales price of the property?
  • How much of your own money are you using?
  • What is your required loan amount?
  • When do you expect to close?
    MM slash DD slash YYYY
  • Use this space to provide more details about your situation. Why do you need a Transactional Funding?
  • This field is for validation purposes and should be left unchanged.

Just a few details to get your deal funded!

Cash Out Refinance Application

To apply for Cash Out Refinance, simply fill out the form below. A representative will contact you ASAP!
  • Contact Information

    Provide your contact information below and how you would like to be contacted.
  • Please provide us with your home address.
  • Please select all that apply.
  • Experience

    Tell us more about yourself and your experience as a real estate investor.
  • How much liquid assets (cash) or equity do you currently have as security for your investment project and financing?
  • What are the property types you have invested in and/or flipped?
  • Tell us more about your experience as a real estate investor. You can also share your investment goals and plans for future projects, or share any other relevant information below.
  • Hidden
    Please tell us what type of short-term loan you need.
  • Hidden
  • Investment Property Details

    Provide the details about your investment property or new purchase property.
  • What is your purchase price for the property?
  • What is the estimated After Repair Value?
  • What is the estimated cost of repairs?
  • What is your required loan amount?
  • When do you expect to close or start on this project?
    MM slash DD slash YYYY
  • When do you expect to complete this project?
    MM slash DD slash YYYY
  • Use this space to provide more details about your situation. Why do you need Cash Out Refinancing?
  • This field is for validation purposes and should be left unchanged.

Just a few details to get your deal funded!

Bridge Loan Application

To apply for a Bridge Loan, simply fill out the form below. A representative will contact you ASAP!
  • Contact Information

    Provide your contact information below and how you would like to be contacted.
  • Please provide us with your home address.
  • Please select all that apply.
  • Experience

    Tell us more about yourself and your experience as a real estate investor.
  • How much liquid assets (cash) or equity do you currently have as security for your investment project and financing?
  • What are the property types you have invested in and/or flipped?
  • Tell us more about your experience as a real estate investor. You can also share your investment goals and plans for future projects, or share any other relevant information below.
  • Hidden
    Please tell us what type of short-term loan you need.
  • Hidden
  • Investment Property Details

    Provide the details about your investment property or new purchase property.
  • What is your purchase price for the property?
  • What is the estimated After Repair Value?
  • What is the estimated cost of repairs?
  • What is your required loan amount?
  • When do you expect to close or start on this project?
    MM slash DD slash YYYY
  • When do you expect to complete this project?
    MM slash DD slash YYYY
  • Use this space to provide more details about your situation. Why do you need a Bridge Loan? Is the new property an investment property or are you purchasing a new home?
  • This field is for validation purposes and should be left unchanged.

Just a few details to get your deal funded!

Fix and Flip Loan Application

To apply for a Fix & Flip Loan, simply fill out the form below. A representative will contact you ASAP!
  • Contact Information

    Provide your contact information below and how you would like to be contacted.
  • Please provide us with your home address.
  • Please select all that apply.
  • Experience

    Tell us more about yourself and your experience as a real estate investor.
  • How much liquid assets (cash) or equity do you currently have as security for your investment project and financing?
  • What are the property types you have invested in and/or flipped?
  • Tell us more about your experience as a real estate investor. You can also share your investment goals and plans for future projects, or share any other relevant information below.
  • Hidden
    Please tell us what type of short-term loan you need.
  • Hidden
  • Investment Property Details

    Provide the details about your investment property.
  • What is your purchase price for the property?
  • What is the estimated After Repair Value?
  • What is the estimated cost of repairs?
  • What is your required loan amount?
  • When do you expect to close or start on this project?
    MM slash DD slash YYYY
  • When do you expect to complete this project?
    MM slash DD slash YYYY
  • Use this space to provide more details about your investment project, such as the repairs needed, your plans to make improvements, or the advantages/opportunities involved with this property. You can also tell us any other details that may be relevant to your project.
  • This field is for validation purposes and should be left unchanged.