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

Fix-&-Flip Loans icon

Fix and Flip

We offer Hard Money Loans for real estate investment properties. 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!




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. 

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!

houston hard money loans

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!

There are numerous hard money lenders in the Greater Houston Area. We know this. At King James Lending, we set ourselves apart because we are more than just private lenders. 

When you partner with our team, you become part of a community of investors working to build their networks, portfolio, and profit. Our goal is to help all of our clients grow, make unwanted homes more beautiful, and develop communities people want to live in. 

Our Houston hard money lending team will help you get funds by walking you through the process. The rest is up to you, but we are always here to coach you through investments. 

When you work with King James Lending, you get a reliable private loan provider who ensures your next real estate investment is simple and efficient. Too often, traditional loans require that you part with a good amount of cash upfront. Or, they determine your interest rates based on income, tax returns, or your credit scores. 

For a real estate investor in Houston, TX, that’s not always the best option. That’s when a Houston hard money lender can help! 

While there are numerous private lenders across the Greater Houston Area, we have the experience and expertise to help you build your real estate portfolio. Whether you operate in Galveston, Pearland, or the Heights, we assist you in funding your project without worrying about your credit or a massive down payment. 

How King James Lending Can Help

Our team will help you access funds quickly and simply by walking you through the process of your hard money loan. As your partner, our goal is to help you grow your real estate portfolio. 

Hard money loans are a great option when you need to access funding quickly so that you don’t miss out on a profitable opportunity. A hard money loan involves short-term lending backed by the property itself instead of your credit score. 

At King James Lending, we know you are not your credit score. When you work with us, we don’t hold you to the same limitations that traditional mortgages and banks do. Instead, we provide you with a private loan that focuses on the after-repair value of the property.

“Hard” money means that our company underwrites the loan based on a hard asset – the property. Luckily, that means you don’t have to worry about a large upfront payment or the DTI ratios that come with a traditional loan. 

Additionally, it means that hard money loans process much faster than traditional loans. When you complete a private money loan with King James Lending, you don’t have to dig up tax returns or deal with other banking problems. 

Why Use Hard Money Loans in Houston?

When you have an investment property in mind and want to close on it, a hard money loan is a great option because it offers convenience. Because banks tend to shy away from REI projects and distressed properties, King James Lending can offer 100% of the purchase and renovation cost.

We offer a range of options for hard money loans, such as our fix and flip loans, which help real estate investors who want to renovate a distressed property and sell it for a profit. 

If you already have a property with equity, why not use a hard money refinance?  Pull cash from an investment property to fund your next project. When you partner with us, we have flexible private loan programs to help you grow. 

  • New construction loans for builders
  • Temp to perm loans for investors looking for passive income 
  • Transactional funding for wholesalers who want to double close with a seller 

Our team is ready to fund the closing with no cash out of your pocket. We offer an efficient, transparent Houston hard money loan that meets your investment needs. Skip the red tape of bank financing and call our team today to learn more about your options.

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.