Texas Hard Money Lenders

Hard Money Lenders in Texas

Noble Mortgage & Investments is an industry leader with over 100 collective years of experience in providing residential and commercial hard money loans for Texas real estate investors. And We are so committed to providing excellent customer service that we offer a 5-point guarantee.

On This Page:

- Residential Hard Money Loan Criteria
- Commercial Hard Money Loan Criteria
- Other Loans We Offer
- Frequently Asked Questions
- Testimonials
- Contact Noble Mortgage

Noble Mortgage has helped many home and business owners in the Texas area with hard money loans. Due to our extensive knowledge of the industry and over 100 years of collective experience, we can provide the right solutions for your financial needs. Hard money loans can be a great alternative to conventional banking as they rely on property value rather than credit history. We operate all over Texas, including Houston, Dallas-Fort Worth, Austin, San Antonio and more!

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Not familiar with hard money loans?

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

Hard Money Lenders in Dallas

Texas Residential Hard Money Lenders

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

Residential Hard Money Loan Parameters

- Closing time: Typically within a few 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% financing

Our hard money loan calculator helps you quickly determine how much you will need to put down to secure a hard money loan for your next real estate investment. For more details contact one of our experts today!

Get Pre-Approved

Hard Money Lenders in Dallas

Texas Commercial Hard Money Lenders

For over 2 decades, we have been helping investors buy commercial real estate in Texas. 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 is quick, allowing you to acquire the commercial property as we understand real estate is a competitive market in Texas.

Commercial Hard Money Loan 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%

Hard Money Calculator

Other Loans We Provide

Conventional Loans

We also help our clients with residential conventional loans for owner and non-owner-occupied homes. Talk to a lender today and find out more about our competitive rates!

DSCR/No-Income Loans

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

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Areas We Serve

Houston, Dallas-Fort Worth, Austin, San Antonio

Hard Money FAQ

What is a hard money loan?

A hard money loan is a short-term asset-based real estate loan that is primarily used by investors to purchase distressed real estate using high leverage and fast closings.

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 residential and commercial property in Texas. We typically close in a few days; however, we have closed a loan in 24 hours previously! Hard Money is available for both residential and commercial property in the first lien position.

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

Hard money loans are short-term loans that are designed for investors purchasing properties in disrepair. These loans close in a matter of days, offer 100% financing and do not require as much paperwork. Traditional loans are typically 15-30 years, require full income documentation and the home must be in livable condition.

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 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 marketing 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.