Houston · Texas
Need financing for a Houston property? Submit your deal and our hard money specialists will explore loan options with you. Your initial inquiry is free, with no obligation.
Tell us what you need to borrow and your plans for the property.
Share a Houston or metro-area property with Hard Money Specialists and explore financing suited to your plans.
Use the form on this page to share the property, amount needed, timeline and what you want to achieve. Include anything that might complicate the deal.
A specialist reviews the details and discusses the financing routes that may suit the property and your circumstances.
The lender assesses the deal. Compare the written terms, fees, draw conditions, repayment date and any extension provisions.
Valuation, title, documentation and any other conditions must be satisfied before funding. Confirm the actual closing requirements rather than assuming a date.
Why Hard Money Specialists
Hard Money Specialists is a national specialist finance brand that knows Houston is a city of many markets. We help Greater Houston investors talk through their deals with a hard money specialist.
Your Houston inquiry is reviewed by a person who knows the area, from inside the Loop to the growing suburbs. You hear back from a specialist, not an autoresponder.
Financing is arranged through a small, vetted group of hard money lenders active across the Greater Houston area.
Talking through your Houston deal with us costs nothing. You decide whether any financing proposal is right for you.
A house that needs major repairs, a rental purchase with a tight deadline or a teardown lot with a build plan may not suit a conventional mortgage. Hard money financing can be an option when the property and a credible repayment plan support a shorter-term loan.
Hard Money Specialists helps you talk through your deal with a hard money specialist. Tell us what you are trying to do, not just how much you want to borrow. The address, work needed, available cash or equity and intended exit all help make that conversation useful.
Houston is not one uniform market. A renovation in The Heights or Meyerland needs different comparables and a different scope from a new-build rental in Cypress or a townhome project near the inner loop. Start with the actual property rather than a citywide price assumption.
Read the hard money loans guide
The right structure depends on the property and what comes next. These are some of the situations you can discuss with a specialist.
Purchase and renovation financing for a resale project. A Houston bungalow or townhome project may need foundation, roofing or flood-related work as well as a new kitchen. Bring a scope that accounts for both, with comparable sales supporting the finished value.
Explore this financingExplore financing for a single-family rental or small multifamily property. If the plan involves a refinance after repairs, check realistic rent, ongoing expenses and the future lender's requirements before committing.
Explore this financingShort-term funding may help when a purchase, sale or refinance does not line up. Explain what event will repay the loan, what evidence supports it and what happens if that event takes longer than expected.
Explore this financingFor a teardown, infill lot or small townhome project, plans, permits, utility connections and contractor costs all shape whether a construction facility is suitable. Houston's buildable inventory makes it an active market for these projects.
Explore this financingA small commercial building, land purchase or time-sensitive debt problem needs its own assessment. Share the property's use, any existing debt and the practical plan for repayment rather than trying to fit it into a standard home-loan application.
Explore this financingA good financing plan starts with a workable property plan. A few Houston-specific checks can uncover costs or delays before they become a problem.
Flood history shapes both your budget and the eventual resale. Check the FEMA flood zone for the exact address, ask about drainage, and find out whether the home has been elevated or renovated after a flood. Insurance costs and buyer expectations follow the property's history, so build them in from the start.
Houston does not use conventional zoning, so permitted uses are shaped by deed restrictions, plat rules and building codes. Read the deed restrictions for a specific address before you commit, and check the permit history on existing work as well as the changes you plan to make.
Gulf Coast clay soils and heavy rain make foundation movement and moisture damage common topics in older Houston homes. Have qualified inspectors assess the foundation, roof and drainage. A cosmetic allowance is not enough if the slab, piers or framing need attention.
Use recent sales of similar homes nearby, accounting for condition, size, flood history and finish level. For a rental, include maintenance, insurance, taxes and any HOA restrictions in the plan. Test what happens if the sale takes longer or the refinance valuation comes in lower.
Interest and points are only part of a project's budget. Allow for closing costs, any broker fee, inspections, insurance including flood cover, taxes, utilities and a repair contingency. Ask how renovation draws work and whether you must pay for completed work before reimbursement.
Compare the amount of cash needed at closing with what you need to keep the project moving afterward. A loan that funds the purchase but leaves no room for repairs or a delay may not solve the problem.
Run the numbers for your Houston dealSend us the exact address whether the property is inside the loop, in the suburbs or in a nearby county. Katy, Sugar Land, Cypress, Pearland, Spring and The Woodlands have their own neighborhoods, deed restrictions and property considerations. Financing availability is assessed for the individual address and project.
Share the sale notice and date right away, together with the debt outstanding, equity position and repayment plan. A financing inquiry does not pause a foreclosure sale. Speak with a qualified Texas attorney about deadlines and legal options while any financing review is underway.
Read about foreclosure bailout optionsTexas real estate loans are usually secured by a deed of trust, and foreclosure is generally non-judicial. Trustee sales take place on the first Tuesday of the month after required notices, so timelines in Texas can move quickly once a loan is in default.
That matters on both sides of a deal. Investors buying distressed property may face tight deadlines, and owners behind on payments may have less time than they expect to refinance or sell.
Texas also has strong homestead protections and specific rules for home equity lending on a primary residence, which is one reason most hard money activity in Texas centers on investment and business-purpose property. A title company and a Texas real estate attorney can confirm what applies to a specific property.
General information only, not legal advice. Rules change and every property is different.