Hard Money Lenders in Houston

Noble Mortgage & Investments is an industry leader with 20 years of experience in private money lending and hard money loans in Houston, TX.



We are committed to providing excellent customer service, review our  5-point guarantee.

Get Pre-Approved

The Houston area is a growing market for real estate with plenty of opportunities for investors. Noble Mortgage helps you take advantage of these opportunities quickly even if you may be lacking financing or credit. Due to our extensive knowledge of the industry and years of experience, we can provide the right solutions for your financial needs. Our Houston hard money loans can be a great alternative to conventional banking as they rely on property value rather than credit history. 

What does it mean to be a hard money lender in Houston?

Check out our brief video explaining how hard money loans can help you with your investment.

Houston Residential Hard Money Lenders

Whether you are looking to purchase a property in need of repairs or need a quick cash-out on an investment property, Noble can help. Our residential Houston hard money loan program can potentially cover up to 100% of the purchase price, repairs, and any closing costs. 

Houston Residential Hard Money Parameters

  • Closing time: Typically within 7 business days

  • Property type: 1-4 unit properties

  • Loan amount: $50K-$3MM

  • Loan term: 6 months to 5 years

  • Amortization: Interest only and 20-year amortization available

  • Loan To Cost: Up to 100%

Check out our hard money loan calculator to get an idea of the amount you will need to put down for your loan, if any. For more details reach out to one of our experts!

Houston Commercial Hard Money Lenders

For over 2 decades, we have been helping investors buy commercial real estate in Houston, TX. Conventional loans from banks are often hard to get due to the requirements needed to qualify. However, hard money loans are based mostly on property value and less on credit history. As a result, this is often a great option for anyone who does not meet those requirements and needs a quick investment. Our process allows you to acquire commercial property quickly as we understand real estate is a competitive market in the Houston area.

Houston Commercial Hard Money Parameters

  • Closing time: Typically within 15 business days
  • Property type: Apartments, Office, Retail, Office-Warehouse & Single-Tenant
  • Loan amount: $100K-$3MM
  • Loan term: 1-5 years
  • Amortization: Interest-only & Amortized loans available
  • Loan To Cost: Up to 90%
  • LTV: Up to 75%

Check out our hard money loan calculator to get an idea of the amount you will need to put down for your loan, if any. For more details reach out to one of our experts! 

Our Other Private Lending Options:

Residential Conventional Loans

Our residential conventional loan programs offer competitive rates for both owner and non-owner occupied homes. Get connected with someone from our team to see if this loan option is right for you!


New Construction Loans

New construction loans are available to experienced builders looking to build spec homes to be sold on the open market. Builders often run into limits with traditional construction loans from the local banking community and this program allows them to keep the growth of their business moving upward.

Rehab to Perm Loans

Our rehab to perm loans program for rental properties is a two-step loan process utilized by investors to buy distressed residential real estate in need of repairs for long-term rentals. Noble will later help with lending for a long-term mortgage once the property is leased.

No-Income Loans

If you can’t qualify for a conventional loan, our no-income documentation loans are a great alternative for investors that have difficulty documenting income. These loans typically offer long amortizations and are mainly for investment residential properties.

Houston Hard Money Testimonials

Quotation marks icon

Blanca Williams

Professional, experienced, and delivers as promised. I can’t say enough about these guys I would highly recommend Noble Mortgage to anybody looking a direct hard money lender in Houston, TX.

Quotation marks icon

Albert Nyabwa

Noble Mortgage are, without a doubt, the best hard money lender in town…their loan process is easy, straight forward and efficient, not to mention the friendly and very professional team that they have. I would recommend Noble Mortgage to any investor in Houston.

Quotation marks icon

Brian McKenzie

It was a pleasure working with Jesse Coria at Noble Mortgage. Everything went smoothly, and he was always available if I needed assistance. I would highly recommend using Noble Mortgage to anyone who is in the market for a hard money lender.

Quotation marks icon

Misrain Alanis

100% recommended!! Jesse Coria made my purchase a smooth and easy transition. I have worked with other hard money lenders, but the terms offered by this team are by far the best! New or seasoned investors need to definitely give them a try!

Why Noble Mortgage is a 5-star Rated Hard Money Lender in Houston


With 20 years of experience, Noble has a rich history of helping real estate investors reach their financing goals with our hard money lending options.


Our team of experts are well-versed in finding creative and common-sense financing solutions for a variety of investment situations to build long term wealth for investors.


Lending our own money and servicing our own loans allows us to be able to serve our customers quickly. We guarantee a FREE pre-approval within 2 business days and repair/construction draws within 3 business days.


The Noble team will be with you from start to finish during the hard money loan process. We guarantee 100% transparency on all fees, to return your phone call within 1 business day, and updates on the progress of your loan every 2 business days.


Our hard money loan process is straightforward, easy, seamless, and efficient, typically closing within 10 days. Download our hard money guide for more information.

Areas We Serve

  • Houston
  • Humble
  • Pearland
  • Cypress
  • Pasadena
  • Sugar Land
  • More!

Hard Money FAQ

How does the hard money loan program work?

Noble’s hard money loan program was designed for investors who are purchasing homes that are in disrepair and want to leverage the After-Repaired-Value (ARV) of the property. We loan real estate investors money to purchase and rehab real estate property in Texas. We typically close in 7-10 business days, however, we have closed a loan in 24 hours previously! Hard Money is available for both residential and commercial property in first lien position.

What is a hard money loan?

A hard money loan is a short-term asset-based real estate loan that is primarily used to purchase real estate by investors who either:

  • Need a quick closing
  • Are purchasing a property in need of repairs
  • Do not have all of the necessary down payment and need a partner
  • Do not qualify for or desire a conventional loan
What's the difference in a hard money loan and a traditional loan?

Hard money loans do not require the same documentation requirements of a traditional loan. We are a private lender and therefore make all lending decisions in-house!

What is required to qualify for a hard money loan?

It depends on what the exit strategy is for the loan. Flipping a home simply requires some capital reserves to handle loan payments and money to get the project started.

We do not have a minimum credit score if you are flipping.

However, if the investor intends on refinancing the property to hold as a rental property then they would need to qualify for long-term financing which Noble can arrange in-house. These loans typically require at least a 650 credit score.

What is ARV?

ARV, or after repair value, represents the current value plus the value added by any repairs or renovations. Read our blog post to learn more about ARV and how it’s determined.

How Can We Help You?