Private Hard Money Loans
No Doc Equity Based Residential & Commercial Real Estate Loans & Financing in Houston TX
SFR 1-4 Units, Condo, Townhome, Mixed Use, Multifamily, Retail Office
$75K - $10 Mil
Purchase Refinance 2nd
Up to 80% LTV *
Stated Income, No Income Doc
Any Credit Ok
Low Interest rates
6 months to 30 Year Fixed
Non Owner & Owner Occupied *
No upfront cost
Easy to Apply, Quick Approval
Funding in Days
Call, Text or Apply Now
Find Private Hard Money Loans Lenders in Houston for Purchase, Refinance, Cash Out, Rehab, or Debt Consolidation
1st & 2nd Position Loans
Up to 80% Loan to Value
Any Credit Accepted
No Income Stated or Verified
No Prepayment Penalty
Fast, Easy & Quick Approval
Get Funding in 7-
CALL or TEXT NOW
Equity Based Commercial Loans in Houston, TX
No Min Credit Score Required
Stated Income & Full Doc
No Doc & No Income Verification
0-6 Mo Prepayment Penalty
No Source or Seasoning of Down
BK, Short Sale & Foreclosures OK
2nd / Second Mortgages Liens
LTV (loan to value) up to 80%*
Up to 50% for Vacant Land Loan
Up to 65% LTV for 2nd Position*
Low Interest Rates %
Terms from 6 months to 30 Years*
Loan Fees 1 - 6 points*
Call for details
*Rate, Terms, Fees, LTV are dependent on the property type, loan purpose, loan amount, loan to value, lien position, location, occupancy, borrower ability to pay, credit etc. Call for Details
Commercial Mortgage Brokers in Houston TX
We are Residential and Commercial Real Estate Mortgage Brokers in Houston TX offering Loans & Financing for Purchase, Refinance, Cash Out & Rehab for Single Family 1-4 unit, Rental property, Multifamily Apartments, Mixed Use, Retail & Office building, Warehouse and other commercial properties. We also provide Conventional Full doc, lite doc, No doc, stated income, equity based private hard money loans lenders in Houston for 1st & 2nd Position mortgage for Owner and Non Owner Occupied properties. For borrower's with credit or income issues we also provide Non prime, non QM mortgage programs.
Houston Property Type:
Residential properties 1-4 unit
Multi-Family, Rental Property
Mixed Use Property
Retail Strip Malls
Gas Stations, Car Wash
Senior Care Facility
Mini Storage, Warehouse
Vacant Land, Raw Land
Commercial Land & Lots
Private Hard Money Loan Lenders in Houston
We offer stated income, stated asset equity-based 1st & 2nd / Second Position loans in Houston to borrowers who can’t qualify for a bank loan or who simply need capital quickly. Investors care more about Equity in the property, borrowers Ability to make payments & theirs Exit plan to repay the loan. We won't waste your time. If we can't help you, we'll refer you to a lender who may.
No Doc, Limited Doc & Full Doc Financing are available for all Residential properties 1-
Asset based Private Money Lenders & Investors in Houston Fund Loans based on Equity in the Property and have Simple Loan Guidelines & Requirements. We Provide Stated Income, Equity Based, No Income Verification, No Doc, Limited Doc & Full Doc 1st & 2nd Second Lien Mortgage & Private Hard Money loans in the Houston, San Antonio, Dallas, Austin, Forth Worth, El Paso, Arlington all of of Texas.
Investment Rental Property Loans Lenders in Houston
We offer equity based loan for 1-4 unit residential rental property loans in Houston. Most of our rental property loan programs are stated income, no income verification, no DSCR required. Rental property lenders offer term from 6 months to 30 years fixed. If you are looking to purchase a rental property, refinance your existing investment rental property or need to cash out from your rental property we can help you find the best No doc rental property loan option available based on your loan requirement.
Multifamily 5+ Unit Apartment Loans Lenders in Houston
We offer equity based loan for 5+ commercial multifamily properties in Houston. Most of our multifamily loan programs are stated income, no income verification, no tax returns required. Multifamily property lenders offer term from 6 months to 30 years fixed. If you are looking to purchase a Multifamily property , refinance your existing commercial multifamily property or need to cash out from your multifamily property we can help you find the best loan option available based on your loan requirement.
Commercial Mixed Use Property Loans Lenders in Houston
We offer equity based loan for residential commercial mixed use property in Houston, TX. Most of our mixed use property loan programs are stated income, no income verification, no tax returns required. Commercial Mixed use property lenders offer term from 6 months to 30 years fixed. If you are looking to purchase a mixed use property, refinance your existing mixed use property or need to cash out from your mixed use property we can help you find the best loan option available based on your loan requirement.
Retail Office Building Loans Lenders in Houston
We offer equity based loan for commercial retail office property in Houston, TX. Most of our retail office property loan programs are stated income, no income verification, no tax returns required. Commercial Retail office property lenders offer term from 6 months to 30 years fixed. If you are looking to purchase a Retail office building , refinance your existing Retail office building property or need to cash out from your Retail office building we can help you find the best loan option available based on your loan requirement.
Stated Income Commercial Bridge Loans & Lenders in Houston
A hard money bridge loan is a short term loan taken out by a borrower against their residential or commercial property until they secures permanent financing or removes an existing obligation. It allows the borrower to meet current obligations by providing immediate cash flow. Bridge loan are based on equity in the property, no income verification is required for qualification.
We provide private hard money No doc bridge loans in Houston against residential or commercial property. Bridge loans are short term, from 6 month to 3 year, bridge loans are relatively high interest rates, and payment are interest only. Get access to hard money lender in Houston for bridge loans for purchase, refinance, fix & flip & Rehab.
Commercial Mortgage Brokers Serving Houston TX
We are Commercial Mortgage Brokers representing a wide range of Commercial Lenders & Investor offering Conventional Loans, Private Hard Money Loans, Commercial Loans, SBA Loans, Equity Based Private hard money loans and lot more for Residential properties 1-
As a professional Commercial Mortgage Brokers in Houston, Our goal is to get your loan closed as fast as possible with most competitive lending options and to provide the best customer service. We can represent all Commercial clients in Houston TX and other states for their financing needs.
Each borrower, property & loan scenario are unique. We work one-on-one with each individual client, evaluate their specific needs and find a lender that suits them personally. We first underwrite the file before it is presented before the Lender or private investor so it meets their guidelines for getting your loan funded fast and with least effort.
Our focus is funding loans for owner-occupied & non-owner occupied property for residential or commercial property owners. Our approach is Asset-based rather than credit based and therefore we provide fast, creative financing solutions for borrowers with less than perfect financial or credit statements.
Whether you are a individual, self-employed individual, real estate investor, small business owner, our Mortgage Broker team has the experience to help you. We routinely assist borrowers who are individuals, corporations, limited liability companies, trusts, estates, probates, foreign nationals, as well as other types of borrowers who don’t meet today’s strict conventional underwriting guidelines. We are commercial mortgage brokers, call us today for free consultation. We also provide hard money loans lenders in Houston.
No Doc No Income Verification Stated Income Loans in Houston
Hard money lenders & Investors also provide Stated Income Loans. These Stated income loans allow borrowers to simply state their monthly income on a mortgage application instead of verifying the actual amount by furnishing tax returns, W2's, Pay Stubs, 1099 or Bank Statements. Mostly the Stated income mortgage loan are used by self employed borrowers or for getting a business purpose loan. Home equity Stated income loans & 2nd/Second Mortgages are also available for business purposes. As a result in some cases lender would ask for bank statements to support the stated income.
Here are some Stated income loans.
A SIVA loan (Stated Income Verified Assets), or stated income/verified asset loan, allows you to state your monthly gross income on the loan application and requires you to verify your assets by furnishing bank statements or a similar asset document as compared to full doc which required proving income via tax returns.
A SISA loan (Stated Income Stated Assets), or state income/stated asset loan, allows you to state both your monthly gross income and your assets on your mortgage application. So in this case, both items are simply stated, and the bank or lender will not ask you to verify the information. Stated Income loan lenders are mostly used by self employed borrower or for business purpose loans.
A NINA Loan (No Income No Assets), allows borrower to state no income and state no assets on the loan application. A NINA loan comes with higher interest rate than traditional mortgages. Normally this type of loans are used on business purpose loans.
No Doc Mortgage Loans. We offer No doc home loans and no doc mortgage loan programs against owner occupied and non owner occupied properties for business purpose. Normally a No doc mortgage loan is one which requires No Income Verification and where borrower is not required to provide income documentation to verify their income.
No Income Verification mortgage loan program is when the lender doesn’t require you to prove your income to meets certain requirements. Normally No income verification works best for self employed borrowers, 1099 consultants, contractors, commission-based salary and in many other cases. We offer No Income Verification Loans for purchase, refinance, home equity & second mortgage for business purpose.
Hard Money 2nd Second Position Mortgage Loans in Houston
A Second Mortgage Position is a 2nd Lien on the property. Called lien holders positioning the 2nd mortgage falls behind the 1st mortgage. When refinancing if the borrower wants to refinance the 1st mortgage and keep the 2nd mortgage, the homeowner has to request a subordination from the 2nd lender to let the new 1st lender step into the first lien holder position.
A Second Mortgage can be structured as a fixed amount to be paid off in a specific time, called home equity term. They can also be structured like a credit card giving the borrower the option to make a payment less than the interest charged each month.
2nd mortgages are riskier for lenders and thus generally come with a higher interest rate than first mortgages. This is due if the loan goes into default, the first mortgage gets paid off first before the second mortgage. Commercial loans can have multiple loans as long as the equity supports it. Due to lender guidelines, it is rare for conventional loans for a property having a 3rd or 4th mortgage. We provide second mortgage hard money loans lenders in Houston for non owner occupied properties or commercial properties.
Hard Money Commercial Mixed Use Property Loans in Houston
We also provide Commercial Loans & Financing for Mixed-Use Property in Houston. Mixed Use Property combines multiple property uses within a single building or development, such as residential, office, retail, industrial, hotel and community purposes. Mixed-use property is in a broad sense any urban, suburban or village development, or even a single building, that blends a combination of residential, commercial, cultural, institutional, or industrial uses, where those functions are physically and functionally integrated, and that provides pedestrian connections.
The term ("a mixed-use development") may also be used more specifically to refer to a mixed-use real estate development project—a building, complex of buildings, or district of a town or city that is developed for mixed-use by a private developer, governmental agency, or a combination thereof. We have access to many commercial private hard money lenders & investors for Commercial mixed use properties in Houston. We offer mixed use hard money loans lenders in Houston.
Commercial Retail & Office Building Loans in Houston
We also provide commercial loans & financing for Office building in Houston. An office is generally a room or other area where administrative work is done and a Office building is a structure used primarily for the conduct of business relating to administration, clerical services, consulting, and other client services not related to retail sales. Office buildings can hold single office or multiple offices. We have access to many commercial private hard money lenders & investors for Office building in Houston.
We also provide commercial loans & financing for strip mall & shopping center in Houston. A strip mall also called a shopping plaza, shopping center, or mini-mall is an open-air shopping mall where the stores are arranged in a row, with a sidewalk in front. Strip malls are typically developed as a unit and have large parking lots in front. Strip mall or shopping center face major traffic and tend to be self-contained with few pedestrian connections to surrounding neighborhoods. We have access to many commercial private hard money lenders & investors for strip mall & shopping center in Houston. We provide commercial Retail & Office hard money loans lenders in Houston.
Private Hard Money Loans in Houston
A Hard Money Loans is a specific type of asset-
Private Money Loans is commonly used term in banking and finance. It refers to lending money to a company or individual by a private individual or organization. While banks are traditional sources of financing for real estate, and other purposes, private money is offered by individuals or organizations and may have non traditional qualifying guidelines. There are higher risks associated with private lending for both the lender and borrowers.
Hard money lenders & Investors are lending companies, or individuals, offering a specialized type of collateral backed loan. Private Hard Money Lenders tend to lend short-term loans (also called bridge loans) that provide funding and or cash, based on the value of the collateral. Hard money lenders and Investors can and will utilize all types of collateral- residential properties, commercial properties, vacant land, vehicles, etc. to complete the loan. Hard money lenders tend to focus on the value of the collateral and sometimes borrower's ability to repay the loan, FICO score, debt to income balance; instead of based on their own personal income or other assets, as is common with traditional conventional lenders. Hard money lenders typically charge much higher interest rates and fees than banks because they fund deals that do not conform to bank standards such as verification of borrower's income, assets, or credit score.
We also provide Equity Based Commercial loans & financing in Houston. We also have stated income commercial loans, No income commercial loan programs. A Commercial loan is a mortgage loan secured by commercial property, such as an office building, mixed use property, commercial buildings, shopping center, industrial warehouse, or apartment complex. The proceeds from a commercial mortgage are typically used to acquire, refinance, rehab or redevelop commercial property.
Owner Occupied Hard Money Mortgage Loans in Houston
There are several different kinds of subprime mortgage structures available. The most common is the adjustable rate mortgage (ARM), which initially charges a fixed interest rate, and then convert to a floating rate based on an index such as LIBOR, plus a margin. The better known types of ARMs include 3/27 and 2/28 ARMs.
On non owner occupied properties we offer stated income and stated assets hard money loans and subprime loans. We offer owner occupied commercial property hard money loans lenders in Houston.
No Doc, No DSCR Rental Property Loans Lenders in Houston
What is Debt Service Coverage Ratio (DSCR) used for Rental Investment Properties
The debt service coverage ratio (DSCR) are normally calculated for Investment Rental properties, also known as "debt coverage ratio" (DCR), is the ratio of operating income available to debt servicing for interest, principal and Insurance payments. It is a popular benchmark used in the measurement of an entity's (person or corporation) ability to produce enough cash to cover its debt payments. The higher this ratio is, the easier it is to obtain a loan.
The Debt Service Coverage Ratio (DSCR) is a simple way of measuring the ability of an investment rental property to pay all its operating expenses and any debt that may be against the rental property. Many commercial lenders uses DSCR for calculating income on rental properties, Multifamily properties, Mixed Use properties, Office Retail buildings and other income producing commercial properties. We offer No DSCR hard money loans lenders in Houston TX.
A No DSCR loan is where the lenders does not use ratio for qualifying the loan. We Provide No DSCR loans, Equity based rental property loans, No Doc rental property loans & Stated Income Investment Property Loans Lenders.
Private Hard Money Jumbo Loan Lenders in Houston TX
What is a Jumbo Loan Mortgage?
A jumbo loan, also known as a jumbo mortgage, is a type of financing that exceeds the limits set by the FHFA. A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. Unlike conventional mortgages, a jumbo loan is not eligible to be purchased, guaranteed, or securitized by Fanni Mae or Freddie Mac.
Also called non-conforming conventional mortgages, jumbo loans are considered riskier for lenders because these loans can’t be guaranteed by Fannie and Freddie, meaning the lender is not protected from losses if a borrower defaults.
Jumbo mortgage loans are available for non owner investment rental properties, and are also available in a variety of terms, including fixed-rate and adjustable-rate loans.
We Also offer No Doc, No Income Verification, Stated Income Jumbo Mortgage Loans for Non-Owner Occupied Investment rental properties in Houston TX and other states. Get access to network of hard money loans lenders in Houston.
Find Private Hard Money Loans Lenders in Houston Texas
We provide private hard money loans, Residential & Commercial Hard Money Loans, Vacant Land Loans in the city of Houston, CA and all cities in Texas.
We also provide Equity Based hard money loans lenders in Houston for the following property type;
Apartment Building Loans, Auto Repair Loans, Auto Dealership, Anchored Strip Center Loans, Assisted Living Facility Loans, Bowling Alley Loans, Car Wash Loans, Church, Commercial, Construction, Convenience Store Loans, Condominium, Congregate Care Facility, Day Care Center Loans, Dental Office, Fitness Center Loans, Funeral Home Loans, Garden Apartment Loans, Gas Station Loans, Golf Course Loans, Health Club, Healthcare Financing, Hotel Loans, Industrial Property Loans, Marina Financing, Medical Office Loans, Mini Storage Loans, Mixed-Use Loans, Motel Loans, Mobile Home Park Loans, Manufactured Homes, Multi-Family Homes, Nursing Home Loans, Office Building Loans, Restaurant, Retail, SBA Loans, School, Self Storage Loans, Senior Housing Loans, Veterinary - Animal Clinic Animal Hospital, Warehouse Loans.
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