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Hard Money Lenders Houston



Independent Lending one of the leading hard money lenders - Houston. With over $500 Million in funding since 2013, leverage our experience for success and contact us today.

  • 40 Years Mortgage Lending Experience

  • Zillow 5-Star Approved Direct Lender

  • Poor - Excellent Credit

  • A+ Rating with BBB

  • No Upfront Fees

Independent Lending

As an entrusted Houston hard money lender since 2013, Independent Lending provides a series of hard moneyprivate money and specialized mortgage programs. Independent Lending has funded over $500 million in real estate lending and is proud of it’s focus of Customer Service in addition to quick financing for speedy hard money loans. Independent Lending’s Houston asset based lending mortgage rates are competitive and equally we have no junk costs. Contact Us today to learn more about the Houston hard money lending experience.


What Sets Us apart


130 Five Star
  • 130 Zillow 5 Star Reviews
  • 5 Star Google Reviews
  • A+ Rating with BBB​


Loans Funded
$ 500 Million
  • 40 Years Mortgage Lending
  • Poor - Excellent Credit
  • Several Programs


Average Days to Fund
15 days
  • No Upfront Fees Ever!
  • Same Day Approval
  • Direct Lender

Hard Money Lenders Houston

As a city often synonymous with the American space program, Houston has drawn a lot of attention from real estate investors interested in shooting for the stars (and bigger profits) by deepening their real estate portfolios and positioning key assets for explosive long-term growth.

The Houston real estate landscape has grown substantially, but remains a key metro market chalk full of opportunity. To capitalize on new investment opportunities quickly and efficiently, real estate investors are leaning on Houston hard money lenders to help drive profits.

Over the last couple of years, 
The City of Houston has become notorious for a lower cost of living compared to the national average, which has pushed younger renters to the area. Coupled with a robust job market, Houston’s rental market is well positioned to provide sizable returns on investment.

As interest in this major Texan city continues to expand, real estate investors are constantly searching for ways to outpace the competition. Houston hard money lenders are the perfect resource to give any Houston real estate investor a competitive advantage.

Houston hard money lenders understand the nuances and core growth factors impacting this expansive market. Through the partnership with Houston hard money lenders, investors can gain flexibility and efficiency when making key investment decisions.

Independent Lending continues to provide Houston real estate investors access to superior private home equity loan programs and a well of industry experience that can help drive a successful real estate investment strategy. If you are interested in penetrating this key market or simply adding new properties to an existing portfolio, Independent Lending can help you carve out your foothold in this in-demand market.


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Houston Residential Hard Money Loans

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Houston Commercial Hard Money Loans

What is a Houston Hard Money Loan?

There are a multitude of mortgage loan programs that Houston real estate investors can employ to acquire new investment properties. Houston private money loans are one preferred way to finance Houston investment properties.

Houston private money loans are short-term mortgage loans that have many similar characteristics to traditional mortgage programs.
For example, the collateral used to secure Houston hard money loans is real estate.

Nevertheless, there are many reasons why Houston real estate investors choose
hard money equity loans over other financing solutions. A few reasons include flexibility, expediency, and efficiency.

One reason why Houston real estate investors prefer working with
private home equity lenders in Houston is because they are not subject to the same rules and regulations that institutional lenders must adhere to.

Often your Houston hard money lender is a private individual, company, or trust. Being a private lender allows Houston hard money lenders like Independent Lending the ability to offer proprietary financing solutions that aren’t burdened by standard regulatory red tape.

Similarly, it also empowers
hard money lenders in Houston with the ability to set their own underwriting guidelines. This allows for more flexibility as it pertains to making credit decisions.

Independent Lending has been offering 
Houston real estate investors hard money loan programs for over a decade. We can qualify borrowers for hard money financing fast, using alternative qualifying criteria.

Rather than ensuring you have the
perfect credit score or sufficient income to repay your loan, Independent Lending places more emphasis on the real estate being used for collateral, accelerating your real estate investment plan, and helping you achieve your core financial objectives.

Need a Houston Hard Money Loan?


Houston Hard Money Program Highlights

How Can Houston Hard Money Lenders Help?

Houston hard money lenders offer a lot of advantages that can help real estate investors move the needle in terms of growth and profitability. The biggest reasons real estate borrowers choose hard money lenders in Houston include greater flexibility, faster approvals, and easier qualifying requisites.

To begin with, Houston hard money lenders can provide greater flexibility throughout any real estate purchase transaction. Like other markets, buying a new Houston property involves a lot of moving parts. One component to the purchase process that continuously stalls is the financing.

The reason financing often stalls is because real estate investors use the wrong lender to finance their investment property purchase. Traditional lenders typically take 45-60 days to get borrowers through the entire mortgage approval process.

But while you could sit around for your bank or credit union
 to analyze your bank statements, tax returns, and credit reports, savvy investors opt to use hard money lenders in Houston.

Houston hard money lenders don’t have to go through the same painstaking underwriting steps which allows them to approve your loan faster saving you both time and money. In most cases, Independent Lending can have your loan approved and funded in days, not weeks.

Another way Houston hard money lenders can help is by providing superior knowledge and expertise. Having an intimate knowledge of the Houston real estate market, Houston hard money lenders can help you create a financing plan designed to synergize with your overarching financial objectives.

Independent Lending’s results-driven approach will help grow your real estate business and help you keep more money in your pocket. While some hard money lenders may know the Houston market, most fail to place investors in the right programs right out of the gates, setting them up for failure.

By employing a proactive, concierge-approach to understanding your financial goals, Independent Lending makes it easy to find the right hard money loan program for your situation, whether that be a quick cash infusion or a specialty financing scenario.

About Our Mortgage Lending and Service

Read What Our Borrowers Have To Say

Residential and Commercial Hard Money Houston Purchase Loans

The most popular way real estate investors take advantage of hard money lenders in Houston is by using hard money loans to purchase new residential or commercial investment properties.

hard money purchase loans into your investment strategy can help make you a more competitive buyer because sellers like to work with investors who utilize hard money.

Houston property owners know that borrowers who partner with Houston hard money lenders won’t have financing related issues and can close faster than other potential buyers. It also means they won’t have to wait very long to obtain their net proceeds from the sale.


More Houston real estate investors are finding hard money bridge loans to be a great way to finance the purchase of a new rental property.

Independent Lending recommends 
hard money bridge loans in Texas to real estate investors that already own a Houston property earmarked for sale, but haven’t yet closed on the deal.

A hard money 
bridge loan in Texas will enable you to take advantage of that property’s equity and use it towards the purchase of new investment property. Structuring your financing this way allows you to act as a cash buyer and make more competitive offers. You also don’t have to worry about missing out on any new real estate investing opportunity.

dscr loans texas

Independent Lending is the Houston hard money lender real estate investors call when they want fast and flexible hard money loan options, including DSCR loans.

Debt service coverage ratio (DSCR) hard money loans are a type of financing solution that enables both new and seasoned real estate investors to qualify for a new mortgage loan without the need of personal income.

Instead, Independent Lending will base its credit decision primarily on the subject property’s condition, fair market value, and ability to generate potential rental income. DSCR hard money loans are the perfect financing solution for Houston self-employed borrowers, retirees, or those with non-traditional sources of income.

bad credit loans houston tx

In real estate, it can sometimes be difficult to obtain a traditional mortgage for an investment property from a bank or credit union. Most institutions have strict credit score requirements which can be problematic for a lot of borrowers who are otherwise well equipped for a new mortgage.

Independent Lending specializes in hard money 
loans for bad credit in Texas for borrowers that have past issues managing credit or that do not qualify for traditional mortgage loan programs. Most investors can still qualify even if there are collections, delinquencies, or derogatory credit events, such as bankruptcies or foreclosures, listed on their credit report.


Probate, Estate, and Trust Loans

Probate, estate, and trust situations are often extremely complex and require unique maneuvering to be navigated successfully. In many cases, a probate, estate, or trust loan is needed to pay outstanding creditors or help divide ownership of a decedent’s assets.

Independent Lending offers specialty financing for probate, estate, and trust scenarios that require creative financing solutions that traditional lenders cannot accommodate. If you are unsure if an estate, trust loan or 
probate real estate loan is right for you, Independent Lending can help develop the right financing strategy tailored to your unique situation.

cash out refinance texas

Houston hard money lenders offer a variety of hard money loan programs including Texas cash out refinance loans. Many Houston investors prefer to leverage existing real estate using a cash out hard money loan.

Independent Lending is a full-service Houston hard money lender specializing in both purchase and refinance hard money programs. Whether you need the funds to acquire a new investment property or maintain your existing portfolio, a 
hard money cash out refinance loan can help you quickly get the funds you need.

Independent Lending Recently Funded Loans

Using a Houston Hard Money Loan from Independent Lending

As Houston’s real estate market continues to expand, drawing more interest from real estate investors, Houston hard money lenders can help fuel new acquisition opportunities by offering key financing solutions more advantageous than your traditional bank or credit union.

But before you jump in bed with any Houston hard money lender, it’s important to properly research and strategize which providers best synergize with your real estate investment plan.

Subsequently, you need to make sure you partner with the 
right private lender that can offer you both experience and range of financing options. While many Houston hard money lenders may offer similar loan programs, the same can’t be said of their integrity or service.

What set’s Independent Lending apart from other Houston hard money lenders is its 40 years of combined industry experience built upon nurturing trust with clients and providing superior service above all else.

Independent Lending’s unique approach to hard money lenders focuses on your personalized investment objectives to help you maximize both efficiency and flexibility and turn it into profit. Our goal is to help all Houston investors generate wealth through real estate.

Need a Houston Hard Money Loan?


Contact Independent Lending

Call Toll Free: 1.800.315.0043 / Local: 949.830.3151 or click the Contact Us button to fill out our secure web form for a call back. At Independent Lending, we give every loan request the respect it deserves.

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