Texas Hard Money Lenders for Real Estate Investors
Need a hard money loan secured by real estate in Texas? This page has a list of direct hard money lenders that offer quick funding for a TX property purchase, refinance, fix & flip, rehab & rent, ground-up construction, and equity cash out in 1st lien position. Hard Money lending is mainly based on equity in the subject property. The maximum LTV is typically 70% for most lenders.
Texas is a large state, and many hard money lenders focus on particular metropolitan areas. Filter your search by selecting a metro area:
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Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Texas Hard Money Stats
According to private lending data provider, Analytics Logics, the average interest rate for hard money loans in Texas is 10.82%. Lenders are charging an average origination fee (points) of 1.60%. The average loan-to-value (LTV) for hard money loans in Texas is 66%, and the average loan amount is $193,829. These stats are the average of all the loans which were funded between April 1, 2023 and September 15, 2023 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Funded Hard Money Loans in Texas

Hard Money Equity Cash-Out Loan for Warehouse in Haltom, Texas
$442,500
Hard Money Loan Solutions, a direct hard money lender, funded a $442,500 1st lien position equity cash-out loan secured by an owner-user warehouse in suburban Haltom, TX, which is close to Fort Worth. The property value was estimated to be $650,000 so our loan-to-value was 65%. We paid off a previous loan balance of only $15,000. This is an owner-occupied business that has resided at this location for over six years. The Borrower operated a roofing company and needed the cash out for working capital. His bank was giving him the runaround, so he called us and we funded this deal in 7 days. The subject property was in good condition. It was approximately 4,340 square feet set in a 0.46-acre lot. The Borrower plans to continue occupying the property and eventually refinance as an exit strategy. The interest was 12% and we charged 3% origination points. The loan term was set at 24 months. This equity cash-out hard money loan was funded in March 2023.
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