Hard Money Loans to Fund Your Next Big Project

HouseMax Funding is based in Austin, TX. Our principals have fix-and-flipped hundreds upon hundreds of homes across their combined careers, and have operated within most every facet of the real estate industry.


Property Geographic Area Details
Urban and Suburban Areas Nationwide except AK, AZ, NV, ND, SD, VT
Loan Amounts
$75,000 to $7,000,000
Interest Rates
4.99% to 12.99%
Loan Terms
12 months to 360 months
Origination Fees
1% to 4%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project
  • Personal Use
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial

Property Types

  • 2-4 Units Residential
  • Condominium
  • Portfolio of Residential Properties
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction
  • Residential Long-Term Rental

Specialty Loan Types

  • Line of Credit Portfolio of Properties
  • Line of Credit Single Property
  • Note Purchase
  • Residential Long-Term Rental
For rehab projects, borrower must contribute at least 15% cash toward the purchase. We do not allow gap funding or seller financing.

Max Loan-to-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Family

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Typical Number of Days for Funds Draw


Maximum After Repair Value

We only provide ground-up construction loans to experienced builders that have completed at least 4 successful projects. Borrower must contribute at least 15% of the total construction costs.

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Will Lend on Partially Completed Construction Projects


Minimum Loan Amount


Maximum Loan Amount


Minimum Interest Rate


Maximum Interest Rate


Minimum Origination Fee


Maximum Origination Fee


Minimum Loan Term

60 months

Maximum Loan Term

360 months

Minimum Debt Service Coverage Ratio


Will Lend on a Portfolio of Rentals


Minimum Number of Properties


Minimum Property Value


Maximum Property Value


Documents Fee

$995 paid at funding

Minimum Origination Fee Amount


Fees which are mandatory for all new borrower clients

  • Appraisal Fee

Fees which are paid to a third party company

  • Title Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Payment Structure
  • Interest Only
  • Amortized
Pre Payment Penalty


Step down prepay dependent on loan term
Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
  • Bank Statements
  • Loan Application
Credit Check Required


Minimum Credit Score Required


Appraisal Required for Residential Property

Always Before Funding

Appraisal Required for Commercial Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property


HouseMax Funding Testimonials

Get In Touch

HouseMax Funding pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

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One of the fastest growing hard money lenders in America! Our team has over 25 years of lending experience and over 50 years of collective Real Estate sales, and investing. We have funded over 1,250 deals and flipped more than 3,000 houses. The HouseMax team offers a special hands-on approach and truly enjoys and values time spent with borrowers and helping them to achieve their mortgage needs.


  • Experts in our field
    Leave it to the experts! HouseMax has operated almost every facet of the real estate industry. Our goal is to lead with expert knowledge and technology to help design the loan program that works best for you.
  • Project Variety
    Whether you are a builder, planing to remodeling, or flip a house we are here to assist!
  • The Right Loan
    Looking for the right loan? Whether Hard Money or Bridge Loan, we can help guide you in making the right choice.
  • Team Work Ethic
    We’re here for you! We are committed to quality customer service and helping from start to finish. Nothing pleases us more than helping our clients achieve their dreams.
  • Dynamic Partnership
    World class service and a large team to ensure a smooth process.
  • Efficiency
    Don’t waste any time! Call or email HouseMax Funding to discuss what loan option may be best for you. Get pre-qualified in minutes. Once qualified, our goal is to fund your loan in 10 days or less!
Company Size (Number of Employees)


Year Established



  • American Association of Private Lenders
  • National Private Lenders Association

Office Locations

6001 West William Cannon, Suite 102, Austin, Texas 78749

Primary Capital Source
  • Own Funds
  • Debt Fund We Manage
  • Bank Credit Line
  • Life Insurance Companies
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Our Team

Jeff Fechter

Co-Founder & CEO

Alex Morris


Doug Roberts


Get In Touch

HouseMax Funding pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
Before You Contact Us

Our Minimum Loan Amount Is


What We Do

  • Nationwide lending
  • Single Family Homes & 2-4 Units
  • Focused on Rehab Projects
  • Simple Application, Fast Approval

Not Available

  • NO 100% Financing
  • NO Owner-Occupied Homes
  • NO Rural Areas
  • NO Land Loans

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