Hard Money Loans in Texas
Find hard money loans in Texas. Compare rates from private lenders serving Texas real estate investors.
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Real estate investors in Texas rely on hard money loans and private lending for fast closings and flexible qualification. Bridge Hard Money Loans connects Texas investors with multiple private lenders who compete for your business.
We serve 267 cities across Texas, including Houston, Dallas, San Antonio, Austin, Fort Worth. Texas is a non-judicial foreclosure state with a usury rate cap of 10% default; 18% written contract; exempt for commercial over $250,000.
Hard money lending in Texas is overseen by the Texas Department of Savings and Mortgage Lending / Texas Office of Consumer Credit Commissioner. Our private lenders maintain compliance with all Texas lending regulations.
Texas is one of the most hard-money-friendly states: fast non-judicial foreclosure and generous commercial exemptions
Hard Money Lending Regulations in Texas
Understanding Texas's lending regulations is important for real estate investors seeking hard money or private financing. Here are the key regulatory factors:
Usury Rate Cap
10% default; 18% written contract; exempt for commercial over $250,000
DFI Licensing Required
Yes - lenders must be licensed or exempt under state law
NMLS Required for Brokers
Yes - mortgage brokers must be registered with NMLS
Foreclosure Type
non-judicial - typical timeline: 60 days
Regulatory Notes
Texas is one of the most hard-money-friendly states: fast non-judicial foreclosure and generous commercial exemptions
Regulatory Authority: Texas Department of Savings and Mortgage Lending / Texas Office of Consumer Credit Commissioner oversees lending and mortgage activities in Texas.
Bridge Hard Money Loans connects you with private lenders who are compliant with Texas's lending regulations. We are not a lender - we are a referral service.
How It Works
Tell Us About Your Hard Money Loans Need
Share your property details and loan amount. It takes less than 2 minutes.
Compare Offers from Texas Lenders
Private lenders serving Texas review your deal and submit competitive rate quotes.
Close Your Loan
Accept the best offer and close in as little as 7-14 days. Fast funding for your investment.
Why Choose Bridge Hard Money Loans
Close in 7-14 Days
While banks take 30-60 days, our private lenders close in as little as 7-14 days.
Asset-Based Lending
Your property is the collateral. No income verification, no tax returns required for many programs.
Up to 75% LTV
Finance up to 75% of the property value. Higher leverage available for experienced investors.
All Property Types
Residential, commercial, multifamily, mixed-use, land - we connect you with lenders for every property type.
Nationwide Coverage
Our network of private lenders serves real estate investors in all 50 states.
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Serving Your Area
Bridge Hard Money Loans serves real estate investors across Texas. Our network of private lenders provides competitive rates for hard money loans, DSCR loans, fix and flip financing, and more throughout the state.
Hard Money Loans in Texas
Hard Money Loans
- Houston (6,227,666)
- Dallas (5,968,322)
- San Antonio (2,096,390)
- Austin (1,940,039)
- Fort Worth (963,194)
- El Paso (866,309)
- McAllen (820,752)
- Denton (464,461)
- Arlington (397,742)
- Corpus Christi (341,912)
- Plano (290,594)
- Lubbock (283,565)
- Killeen (264,379)
- Laredo (257,619)
- Irving (256,492)
- Garland (246,844)
- Brownsville (223,205)
- College Station (219,936)
- Frisco (219,304)
- McKinney (210,600)
- Amarillo (205,856)
- Grand Prairie (201,883)
- Galveston (199,112)
- Waco (193,768)
- Odessa (160,628)
- Pasadena (149,433)
- Mesquite (149,299)
- Midland (148,848)
- Beaumont (146,974)
- Tyler (134,739)
- Carrollton (133,740)
- Lewisville (131,080)
- Temple (129,969)
- Abilene (128,053)
- Round Rock (127,786)
- Pearland (127,514)
- The Woodlands (121,002)
- Richardson (118,731)
- Harlingen (116,926)
- League City (116,215)
- Port Arthur (116,142)
- Allen (110,265)
- Sugar Land (110,016)
- Longview (106,896)
- New Braunfels (104,643)
DSCR Rental Loans
- Edinburg (104,550)
- Wichita Falls (102,581)
- Conroe (102,360)
- San Angelo (99,674)
- Atascocita (99,354)
- Bryan (87,939)
- Mission (87,038)
- Georgetown (85,999)
- Baytown (85,205)
- Pharr (80,333)
- Flower Mound (78,389)
- Cedar Park (78,301)
- Mansfield (77,510)
- Texarkana (76,783)
- Missouri City (76,558)
- Leander (74,067)
- San Marcos (72,811)
- Sherman (71,496)
- North Richland Hills (70,780)
- Spring (68,580)
- Pflugerville (65,971)
- Victoria (65,886)
- Rowlett (65,463)
- Euless (60,421)
- Wylie (60,334)
- Kyle (56,823)
- DeSoto (56,211)
- Texas City (55,364)
- Little Elm (54,820)
- Burleson (52,918)
- Rockwall (51,168)
- Grapevine (51,139)
- Bedford (49,085)
- Cedar Hill (48,879)
- Huntsville (47,864)
- Keller (45,976)
- Haltom City (45,767)
- The Colony (45,454)
- Waxahachie (45,347)
- Schertz (44,050)
- Channelview (43,605)
- Weslaco (42,229)
- Coppell (42,154)
- Friendswood (41,030)
- Lancaster (40,820)
Fix and Flip Financing
- Rosenberg (40,646)
- Hurst (39,861)
- Duncanville (39,683)
- Midlothian (39,356)
- Copperas Cove (37,947)
- Prosper (37,869)
- Socorro (37,123)
- La Porte (36,730)
- Farmers Branch (36,645)
- Mission Bend (36,586)
- San Juan (36,149)
- Weatherford (35,788)
- Hutto (35,483)
- Timberwood Park (35,413)
- Cibolo (35,109)
- Fulshear (34,868)
- Del Rio (34,668)
- Cleburne (34,344)
- Celina (34,268)
- Lufkin (34,251)
- Harker Heights (34,128)
- Deer Park (33,967)
- Canyon Lake (33,883)
- Seguin (33,754)
- West Odessa (32,594)
- Nacogdoches (32,197)
- Forney (31,532)
- Greenville (31,222)
- Southlake (31,137)
- Sachse (30,491)
- Converse (29,607)
- Eagle Pass (28,339)
- Alvin (28,333)
- Lake Jackson (27,974)
- Balch Springs (27,255)
- Fort Hood (26,814)
- Colleyville (26,012)
- Denison (25,778)
- Corsicana (25,511)
- Princeton (25,229)
- Katy (25,184)
- University Park (25,155)
- Kingsville (24,994)
- Saginaw (24,970)
- Paris (24,775)
Bridge Loans
- Kerrville (24,755)
- San Benito (24,709)
- Fresno (24,560)
- Benbrook (24,557)
- Belton (24,356)
- Anna (24,330)
- Pecan Grove (24,272)
- Cloverleaf (24,063)
- Big Spring (23,975)
- Marshall (23,825)
- Horizon City (23,668)
- Corinth (23,385)
- Watauga (23,233)
- Fate (22,884)
- Ennis (22,588)
- Dickinson (21,753)
- Stephenville (21,682)
- Murphy (21,188)
- Portland (20,543)
- Boerne (20,518)
- Terrell (20,366)
- Alamo (20,255)
- Alton (20,214)
- Universal City (20,189)
- Melissa (20,136)
- Royse City (20,037)
- Angleton (19,972)
- Plainview (19,711)
- Brushy Creek (19,576)
- Crowley (19,532)
- Seagoville (19,352)
- Lakeway (19,307)
- La Marque (19,268)
- Orange (19,177)
- Palestine (19,136)
- Brownwood (18,777)
- Brenham (18,641)
- Steiner Ranch (18,619)
- Cinco Ranch (18,611)
- Manor (18,603)
- Nederland (18,381)
- White Settlement (18,150)
- Glenn Heights (18,096)
- Gainesville (17,883)
- Bay City (17,730)
Private Money Lending
- Alice (17,707)
- Stafford (17,401)
- Addison (17,290)
- Bellaire (17,206)
- Aldine (17,167)
- Taylor (17,136)
- Red Oak (17,077)
- Groves (16,976)
- Donna (16,833)
- Mercedes (16,733)
- Pampa (16,659)
- Humble (16,521)
- Hewitt (16,432)
- Sulphur Springs (16,401)
- Gatesville (16,228)
- Mount Pleasant (16,136)
- Highland Village (16,101)
- South Houston (16,033)
- Live Oak (15,984)
- Palmview (15,921)
- Buda (15,859)
- Canyon (15,723)
- Uvalde (15,417)
- Rio Grande City (15,396)
- Lockhart (15,326)
- Mineral Wells (15,244)
- West University Place (14,982)
- Hereford (14,840)
- Manvel (14,758)
- Rendon (14,632)
- Hidalgo (14,498)
- Dumas (14,452)
- Jacksonville (14,325)
- Azle (14,126)
- Forest Hill (14,062)
- Lumberton (13,963)
- Seabrook (13,768)
- Trophy Club (13,733)
- Port Neches (13,664)
- Tomball (13,655)
- Wells Branch (13,523)
- Kilgore (13,470)
- Andrews (13,468)
- Beeville (13,412)
- Henderson (13,385)
Investment Property Loans
- Athens (13,200)
- Santa Fe (12,901)
- Iowa Colony (12,891)
- Robinson (12,800)
- Lantana (12,766)
- Richmond (12,582)
- Levelland (12,466)
- Hornsby Bend (12,367)
- Webster (12,366)
- Borger (12,226)
- El Campo (12,202)
- Granbury (12,136)
- Four Corners (11,692)
- Elgin (11,563)
- Roma (11,545)
- Selma (11,503)
- Fort Bliss (11,460)
- Leon Valley (11,446)
- Fredericksburg (11,419)
- Port Lavaca (11,358)
- La Homa (11,285)
- Snyder (11,241)
- Bastrop (11,156)
- Burkburnett (11,059)
- Pleasanton (11,011)
- Fairview (10,783)
- Heath (10,777)
- Fair Oaks Ranch (10,728)
- Clute (10,715)
- Bonham (10,697)
- Rockport (10,683)
- Freeport (10,621)
- Heartland (10,607)
- Scenic Oaks (10,569)
- Bellmead (10,566)
- Sonterra (10,563)
- Galena Park (10,487)
- Sweetwater (10,385)
- Roanoke (10,286)
- Robstown (10,236)
- Raymondville (10,185)
- San Elizario (10,116)
Texas Investor Lending Guides
What Our Clients Say
“They connected me with multiple private lenders across Texas. The competition between them got me a much better rate.”
“The Texas lending process was faster than I expected. My fix-and-flip loan closed in just 10 days.”
“Needed a DSCR loan for a rental property. No income verification and the whole process was smooth and professional.”
Get Your Free Loan Quote in Texas
Texas real estate investors: compare rates from multiple private lenders.
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