Texas Hard Money Lenders

Hard Money Loans in Texas for Real Estate Investors

Work with a Texas hard money lender that understands investor timelines, rehab projects, after-repair value (ARV) financing, and fast-moving deals across every major Texas market.

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Noble Mortgage has provided hard money loans in Texas for over 20 years, helping investors in Houston, Dallas-Fort Worth, Austin, San Antonio, and beyond close quickly on residential and commercial investment properties. Since we are a direct, in-house lender, we concentrate on the strength of the deal and of the property rather than merely on your credit history.

Get Your Deal Reviewed

Why Texas Investors Use Hard Money Loans

Texas is among the fastest-growing real estate markets in the nation, and investors throughout the state require financing that is just as quick as the transactions themselves. Hard money loans in Texas are mainly based on the property’s value and its after-repair value (ARV), rather than on income records or involving extensive bank underwriting, which results in quicker approvals and closings. The hard money loan programs we offer can cover up to 100% of the purchase price, the cost of repairs, and the closing costs.

At Noble Mortgage, Texas real estate investors work with us for financing solutions including:

Fix-and-flip projects
Rental property acquisitions
Rehab loans
Commercial investment properties
Ground-up construction projects

Whether you’re flipping a house in Houston, building a rental portfolio in Dallas-Fort Worth area, or purchasing commercial property in Austin or San Antonio, our team designs financing to match your investment goals rather than sticking to a standard bank checklist.

Unfamiliar with hard money loans?

Darel Daik, our CEO, gives an explanation of what a hard money loan is and how hard money lenders can assist you with your investment.

Need Financing for Your Next Investment Property?

Talk with our Texas hard money lenders about your deal, timeline, and financing goals.

Speak with a Loan Officer

Types of Texas Investment Properties We Fund

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Fix-and-Flip Loans

Texas offers many opportunities for fix-and-flip investors, especially in fast-growing metros like Houston, Dallas-Fort Worth, Austin, and San Antonio. Our fix-and-flip loans cover acquisition and rehab costs, structured around your project’s timeline so you can move before another investor does.

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Interior residential property under renovation with exposed walls, construction debris, ladder, and remodeling equipment.

Rental Property Loans

Texas’s population growth keeps rental demand high. We finance single-family rentals, small multifamily, and portfolio acquisitions for investors building long-term cash flow.

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Commercial Investment Loans

Texas commercial real estate includes everything from Houston’s industrial corridors to growing office and retail hubs in Central Texas. We fund multifamily, mixed-use, office, retail, and light industrial projects for investors expanding their commercial footprint.

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New Construction Loans

Whether it’s a single spec home, or small-scale ground up development, we finance new construction for investors building in Texas’s high-growth submarkets.

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Share your property details, purchase timeline, and exit strategy with our team. Talk through your deal with a loan officer today!

Texas Long-Term Loans We Offer

A Texas investment strategy doesn’t always involve reselling. If your intention is to hold on to the property and rent it out, Noble Mortgage provides long-term financing which enables you to move away from a hard money loan without having to change lenders. These financing options are available to investors in all parts of Texas, such as in Houston, the Dallas-Fort Worth area, Austin, and San Antonio.

Residential Conventional Loans

Standard long-term financing for investors and owner-occupant borrowers purchasing or refinancing residential property in Texas.

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DSCR/No Income Loans

Qualify based on the property’s rental income instead of personal income documentation.

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Home Equity Loans

Tap into equity you’ve already built in a Texas investment property to fund your next acquisition or renovation.

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Cash Out Loans

Pull cash from an existing investment property to reinvest in your next deal.

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Commercial Conventional Loans

Long-term commercial financing for multifamily, office, retail, and warehouse properties across Texas.

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How Our Texas Hard Money Loan Process Works

1

Submit Your Deal

Share the purchase price, ARV, rehab scope, property type, and timeline.

2

Property Review

We evaluate the property and investment scenario to identify financing options.

3

Approval & Closing

Our team works to move the transaction forward efficiently.

4

Rehab Draws

For renovation projects, draw schedules support project completion.

5

Exit Strategy

Plan for resale, DSCR refinance, rental hold, or cash-out strategy.

Learn more about our hard money loan application process.

Areas We Serve Across Texas

Noble Mortgage offers hard money loans in the largest and most rapidly growing investment areas of Texas. Find out more about our hard money lending in your area:

Houston

Greater Houston, including Katy, The Woodlands, Sugar Land, Spring, Humble, Cypress, Pearland, Pasadena, and the counties surrounding Harris.

Dallas-Fort Worth

Frisco, Plano, Irving, Arlington, McKinney, and the surrounding DFW metroplex.

Austin

Central Texas investors working in the Austin metro’s fix-and-flip rental markets.

San Antonio

Investors in San Antonio and South Texas who are looking for quick and flexible hard money financing.

Don’t see your area? We work with investors throughout Texas. Contact our team to discuss financing for your market.

Why Investors Choose Noble Mortgage

Texas-Based Lending Experience

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

Creative Financing Solutions

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

Fast Funding Approvals

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

Responsive Support

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.

Simple Process

Our loan process is straightforward, easy, seamless, and efficient, typically closing within 10 days. Explore our investment loan process.

Learn more about our dedication to our customers through our 5-point Guarantee.

Helpful Resources for Texas Real Estate Investors

Access tools, guides, and educational resources from Noble Mortgage to help support your next investment strategy.

Hard Money Loan Calculator

Estimate potential loan scenarios for your investment property.

Use the Calculator

Hard Money Loan Guide

Learn more about how hard money financing works.

Download the Guide

Investor Education Blog & Videos

Explore topics covering ARV, rehab financing, investor lending, and real estate investment strategies.

Watch Investor Videos

Read Latest Investor News

Hard Money Loan FAQs

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 the necessary credit score to qualify for traditional financing
Do not qualify for or desire a conventional loan
Are potentially looking for up to 100% financing

How does the hard money loan program work?

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

What's the difference between a hard money loan and a traditional loan?

Hard money loans are short-term loans designed for investors purchasing properties in disrepair. These loans close in a matter of days, offer up to 100% financing, and require less documentation. Traditional loans typically run 15-30 years, require full income documentation, and the home must be in livable, owner-ready condition.

What is required to qualify for a hard money loan in Texas?

It depends on your exit strategy. Flipping a home requires capital reserves to cover loan payments and get the project started. We do not have a minimum credit score requirement for flipping. However, if the investor intends to refinance the property to hold as a rental property, 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.

Does Noble Mortgage offer hard money loans in Texas outside of Houston and Dallas?

Yes. While our Houston and Dallas markets are our largest, Noble Mortgage works with real estate investors across Texas, including Austin and San Antonio.

How quickly can I close on a hard money loan in Texas?

Most hard money loans in Texas close within 5-10 business days through Noble Mortgage. We’ve closed loans in as little as 24 hours when the deal calls for it.

What areas of Texas do you serve?

Noble Mortgage serves real estate investors throughout Texas, with a dedicated team in Houston and additional coverage in Dallas-Fort Worth, Austin, San Antonio, and surrounding markets statewide.

Ready to Discuss Your Texas Investment Property?

Whether you are purchasing a fix-and-flip property, building a rental portfolio, or looking for short-term financing, Noble Mortgage works with Texas investors to provide financing solutions built around real-world investment strategies.

Speak with a Loan Officer

Contact Us

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

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Houston

(713) 680-8100

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Dallas

(214) 492-0100

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Ready to get started? Contact us for a no-obligation quote tailored to your investing needs.

Contact us today!

How Can We Help You?

Customers Testimonials

      
   Noble Mortgage & Investments
   350 Google reviews 
  Write a review 
  
 
 
   
 
 
       Posted on Google  
   
   Jay Prasad 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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!
  
 
      Posted on Google  
   
   Bessy J 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
      Posted on Google  
   
   Alirio Parra 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great event, very insightful..Wonderfull Team. Thank you.
  
 
      Posted on Google  
   
   Sarahy Montoya 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
      Posted on Google  
   
   Jared Solis 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great experience. Loan officer Chris Moore is very quick and helpful! Very good communication to make the process a lot easier.
  
 
      Posted on Google  
   
   Michelle Czaja 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
      Posted on Google  
   
   Leonardo Coronel 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
      Posted on Google  
   
   sadai morejon 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great customer service, Chris Robichaux is very helpful and knowledgeable. So glad to work with him as a team.
  
 
      Posted on Google  
   
   Ryan Fitzpatrick 
 
 
 
 Trustindex verifies that the original source of the review is Google. Chris and Silas Daik were a great help in this loan process
  
 
      Posted on Google  
   
   Ricardo Marquez 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.