houston hard money loans


We’ve been helping real estate investors with their fix-and-flip projects since 2008

Simple, Transparent 
Loans for Investors

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Need short-term financing for your next fix-and-flip deal? We offer flexible hard money loans that make funding your deals in Fort Worth, TX straightforward and easy. With flexible terms, lending amounts and options, we’re confident that we can help you secure the right loan for your next investment property. Our loan officers have over 30 years of combined experience helping investors and homeowners achieve their lending needs.

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Why We're One of Houston's Top Hard Money Lenders

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Our entire process is online — no paperwork, no fax machines. Simply upload your documents to an online dashboard and stay up-to-date along every step of the way. Plus use our rate calculator to learn your project costs upfront. No hidden fees, ever.

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Our dedicated team of loan experts are on call, ready to help, and can close your loan in as little as 48 hours upon full application completion. We have Millions of dollars in capital ready to lend. If you and your project meets our qualifications, we’ll fund your deal in just a few days!

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We carefully analyze the Fort Worth area and take a local approach to our pricing and terms. With us, you can get your property purchase & rehab funds all in one place: take out up to 90% of the total cost of the home’s purchase and 100% of rehab costs.

What People Are Saying About Matador Lending

They are really good, professional and honest. Everything during the deal was transparent and no hiccups, surprises or hidden costs. Very smooth dealing. I would highly recommend them.

Manish J.

Frequently Asked Questions


What is a Hard Money Loan?

While a traditional loan is typically used by owner-occupants and investors looking for long-term fixed debt, hard money loans are typically privately funded and intended for investment properties that need a short-term loan to rehab the property.


Once the property has completed rehab, the investor will typically sell it for a profit and pay off the hard money loan. In some cases, investors will also keep the property as a rental and refinance into long-term fixed rate debt in order to pay off the hard money loan.


Are There Any Credit Score Requirements?

With us, there's no minimum FICO score needed to qualify for a hard money loan.


What's The Maximum Loan Amount I Can Receive?

Matador Lending offers short-term hard money loans from $30,000-$2,000,000. Our loan-to-value goes up to 75% of the after repair value (ARV), or up to 95% of the loan-to-cost of your entire purchase plus rehab cost.


What Terms Do You Offer?

Loan terms typically range from 6-24 months.


Do You Offer Hard Money Loans In Other Areas of Texas?

Yes! We have customers all across Texas, including Austin, San Antonio, Dallas, and Houston.


I've never flipped a house. Can I still get a hard money loan?

We get it - everyone has to start somewhere! At Matador Lending, we work with property investors of all experience levels (provided they meet our minimum qualification criteria). The more experience you have, the better rates you can typically get.


Can I Refinance and Keep The Property Instead of Selling It (Known as The BRRRR Method)?

Yes! Our team of loan experts have loan options for a post rehab refinance for all borrower scenarios, whether you choose to refinance into your personal name with a conventional loan or into an entity (like an LLC). Additionally, we offer more creative qualifying income loan products like a DSCR (Debt Service Coverage Ratio) loan.

Get Your Hard Money Lending Needs Taken Care of Today