houston hard money loans

HARD MONEY LOANS IN HOUSTON, TX

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

Simple, Transparent 
Loans for Investors

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

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

SIMPLE, TRANSPARENT PROCESS

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

TRUSTED AND QUICK SERVICE

Our dedicated team of loan experts are on call, ready to help, and will close your loan in as little as 48 hours upon full application completion. Matador Lending has 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!

COMPETITIVE INTEREST RATES AND LEVERAGE TERMS

We carefully analyze each market within Houston as its own and take a local approach to our pricing and terms. With us, you can get your property purchase and rehab funds 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

01

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.

02

Are There Any Credit Score Requirements?

There’s no minimum FICO score needed to qualify for our hard money loans.

03

What's The Maximum Loan Amount I Can Receive

Matador Lending offers short-term hard money loans from $30,000 to $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.

04

What Terms Do You Offer?

Terms typically range from 6-24 months.

05

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

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

06

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

Everyone has to start somewhere! 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 get.

07

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

Yes you can! Our team of loan experts have loan options for a post rehab refinance for all borrower scenarios, whether refinancing into your personal name with a conventional loan or into an entity (like an LLC). We also 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

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Contact

713-366-4668

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Matador Lending (NMLS #1871433), all other trademarks are the property of their respective owners, not endorsed or affiliated with any government entity. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. Visit the NMLS Consumer Access website for regulatory information about us.

Figure: 7 TAC § 80.200(b) CONSUMER WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

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