Residential Conventional Loan

Our Residential Conventional programs offer competitive rates for both owner and non-owner occupied homes.

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Property Types

All 1-4 unit properties considered
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Loan Amounts

$50K-$1MM+
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LTV

As little as 3% down payments
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Loan Types

Purchases, Refinances, Home Equity, & Cash-Outs
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Term

15, 20 & 30 years available
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Loan Programs

Conventional, FHA & non-traditional loans
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Markets

Texas
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Rate

Market Rates
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Recourse

Yes

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'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.

Contact With US

We’re here to help! Contact us to discuss your needs.

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Customer Testimonials

Peoples Talk About US

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Jay Prasad profile picture
Jay Prasad
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I have worked with many mortgage companies before, but to this day Noble Mortgage has by far been one of the best. Their customer service, knowledge of the industry, communication, and professionalism, has been excellent. Daryl and Jesse have been a pleasure to work with on our flip house project and we will definitely be working with again very soon on our next flip. I was a little nervous about doing a hard money loan, but these guys made it simple and their rates were good as well. I look forward to working with them on all our flips moving forward. Thanks again guys!
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Bessy J profile picture
Bessy J
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What an amazing team! I'm so thankful to Chris ( Robichaux) and Alex( Alessandro Coria) for helping me out. They were so kind and gracious. They helped me every step of the way and answered all my questions. They were available whenever I called. Amber was great too. She was so polite and courteous.
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Alirio Parra profile picture
Alirio Parra
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Great event, very insightful..Wonderfull Team. Thank you.
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Sarahy Montoya profile picture
Sarahy Montoya
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There are no words to thank God for having put such good people in our path. People who are willing to help you and answer any doubt we may have had during our process to obtain our first Hard Money Loan. At Noble Mortgage you find those people.. People who are willing to help you with all their heart. Mr. Jesse Coria is an angel, a person who shows humility and always showing desire to help his clients. Many thanks to Noble Mortgage and its team, especially to Mr Jesse Coria for making our first dream possible. God May Bless Everyone.
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Jared Solis profile picture
Jared Solis
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Great experience. Loan officer Chris Moore is very quick and helpful! Very good communication to make the process a lot easier.
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Michelle Czaja profile picture
Michelle Czaja
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When it comes to real estate, it’s important to have people beside you, who are TRULY there for you. Noble Mortgage is the definition of this important step, when delving into real estate. We were able to secure a Hard Money Loan with Noble, and the process from start to finish was extremely satisfying. We worked beside Jesse Coria, a Sr. Loan Originator, and his customer service is more than exceptional. He was very thorough, answered all of our questions without hesitation, and was consistently reminding us, that questions are good! This entire process was new to us, my partner and I, are incredibly blessed to have come across Jesse and the Noble Mortgage team. A company with extreme emphasis on Customer Service, checked all of our boxes. I highly recommend Noble Mortgage to those looking to secure a Hard Money Loan, or just any mortgage related services in general. Noble Mortgage takes deep pride in their service, respects its customers, and continues to build their brand to ensure more awareness is secured. This review and all other reviews should speak volume to you, when making your decision to work with Noble. Thank you to Jesse and the Noble Mortgage team for making our “dream” a reality.
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Leonardo Coronel profile picture
Leonardo Coronel
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I've had a great experience with Noble. This is my first time doing business with this company. Big thank to our loan officer Silas Daik, very pleasent experience. Works quickly with great communication.
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sadai morejon profile picture
sadai morejon
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Great customer service, Chris Robichaux is very helpful and knowledgeable. So glad to work with him as a team.
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Ryan Fitzpatrick profile picture
Ryan Fitzpatrick
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Chris and Silas Daik were a great help in this loan process
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Ricardo Marquez profile picture
Ricardo Marquez
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Great communication with the team, 4 hard money loans 3 refinance loans completed and many more to come. Alessandro always on top of everything and always has the right answers.
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