Hard Money Lenders Texas

Fast Texas Hard Money Loans
Ready to close in less than a week

  • Interest rates 10 – 12.75%
  • Credit score 650+
  • Loan-to-Cost Up to 90%
  • No income verification
  • Get approved online in 5 minutes
  • Instant proof of funds letter
  • Interest only payments
Get Approved Online
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Need financing for your upcoming real estate project? Get approved for a hard money loan in 5 minutes using our online application

Need funding fast? Look no further than New Silver. New Silver has the perfect selection hard money loans for property investors in Texas.

New Silver has a variety of different hard money loan products available to suit the needs of any real estate investor. Run by a team of experienced real estate professionals, our loans are ideal for real estate investors in TX.

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Loan Programs


Fix & Flip

For house flippers hoping to purchase a fixer upper to renovate and resell in Texas. Interest rates from 10 – 12.75%, Loan-To-Cost up to 90%, with loan terms up to up to 24 months. Hard Money Refinance Loans also available.

  • Get up to $5,000,000
  • Interest rate 10 – 12.75%
  • Origination fee from 1.875%
  • Up to 100% construction
  • More info
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30-year rental loans for stabilized rental properties. Ideal for investors hoping to acquire an investment property. Interest rates from 7, loan-to-purchase price up to 80%. Built for buy and hold investors that purchase rental properties.

  • Get up to $3,000,000
  • Interest rate 7
  • Origination fee 1.75-2.5%
  • 30-year fixed rate
  • More info
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Ground Up

Designed for residential builders, our ground up construction loans can finance up to 90% Loan-to-Cost (LTC). Interest Rates from 10 to 13.25%

The perfect solution for builders in Texas that need quick access to capital to fund construction costs.

  • Get up to $5,000,000
  • Interest rate 10 - 13.25%
  • Origination fee from 1.875%
  • Up to up to 24 months
  • More info
Get Approved Online

Hard Money Lenders Texas

Getting a traditional loan is a slow, drawn-out and exhausting process. At New Silver, we offer hard money loans for real estate investors that value speed, efficiency and transparency. Offering house fix-and-flip, fix-to-rent and cash out refinance loans, our team of experienced real estate experts are available to get you capital and assist you with any hiccups that may come up along the way.

New Silver is a top-rated Texas hard money lender. As licensed real estate investment professionals, we know what real estate investors need: quick and easy online applications, terms of up to twenty-four months and most of all, fast loan closing and attractive rates. At New Silver, we specialize in hard money loans for single-family residential, but we can also cater to multi-family and commercial real estate projects. Contact our Texas hard money lending team today to find the best loan fit for your next real estate project.

Ultimately, if you need fast closing private money loans with competitive interest rates, New Silver is the hard money lender for you.

New Silver lends in these cities:

Texas Housing Market Overview

Average Home Value


1-Year Home Appreciation


2 Bedroom Rent


Average 4 Bedroom Rent


Homes In Texas Are Reasonably Priced: The average home value in Texas ($289,255) is about $38,000 less than the average home value in the US ($327,514). In addition to relatively well priced homes, Texas is also considered a very desirable place to live. For instance, the population in Texas is estimated to have grown by 884,144 people between April 1, 2020, and July 1, 2022 which is more than any other state in the US according to KXAN.

Home Prices In TX Are Starting To Drop: While home prices in Texas soared from mid 2020 to mid 2022, the latest forecasts are showing a slight drop in house prices. For instance, in July 2022, the average home in TX was worth $294,475. This value dropped down to $289,255, as of February 2023.

Based on the current market signals, it seems that the Texas property market will remain in neutral for the next 3 – 6 months, and possibly even longer than that.

Median Home Price by MSA

MSA Name Median Home Price 1-Year Appreciation 3-Year Appreciation
Abilene $234,900 6.0% 28.7%
Amarillo $214,300 6.6% 29.0%
Austin $478,900 -1.3% 45.4%
Beaumont $207,300 1.4% 16.5%
Corpus Christi $268,200 6.1% 29.7%
Dallas $375,000 7.1% 39.6%
El Paso $244,500 15.2% 44.6%
Houston $337,900 6.6% 37.5%
San Antonio $329,800 5.5% 39.0%
Sherman-Denison $267,300 -3.3% 44.4%
Wichita Falls $176,400 12.1% 41.5%

Texas Real Estate Market Analysis

There  Are A Number of Lucrative Real Estate Markets In Texas: Austin ($478,900), Dallas ($375,000) and Houston ($327,900) all have much higher median sale values than the other major metropolitan areas in Texas.

This is particularly important for house flippers, because the expected After Repair Value of the house has such a large impact on the potential profitability of a fix-and-flip deal. It all boils down to the comps (comparable properties). With these markets, you are likely to find comps with a higher than average resale value. This can increase the gross profit potential baked into the deal, especially if you are able to stick to low cost, high ROI renovations, and you put in the right offer price.


Texas Real Estate Investor Associations

Reasons to Fund Your Investment Property with New Silver

It doesn’t matter if you are a buy and hold investor or a house flipping specialist. New Silver is a hard money lender with a selection of real estate loans perfectly matched to meet your real estate investing needs. Unlike a conventional mortgage which can take ages to complete, our hard money loans can be approved online in less than 5 minutes, with an instant proof of funds letter to help you secure the purchase. We are ready to help you solve your real estate investment needs with a fast closing hard money loan.

Frequently Asked Questions

Yes. New Silver is a private lender that offers short term loan products for house flipping projects, but we also have 30 year rental property loans for investment properties. We also cater to real estate entrepreneurs hoping to build multi-family apartments with our new construction loans.

Yes, New Silver is a private money lender that provides asset-based loans at scale. With private money loans, the underwriting process can be more lenient than conventional lenders. This is because the underlying value of the asset is more important than the financial background of the investor when setting the terms of a private money loan.

As a result, the financing and credit score requirements of a hard money lender are less stringent, income verification is not needed and the debt-to-income ratio of the borrower doesn’t matter. Plus, we can get you approved and closed with a hard money loan within 7 days.

Yes. We offer ground-up construction loans for real estate developers that build single family (1-4 unit) residential properties.

Furthermore, as a tried and trusted Texas hard money lender, we are able to offer a maximum loan amount of $5,000,000 for our construction loans.

Yes. Our fix and flip loans can act as a bridge loan for real estate investors with a loan term ranging from 6 to 24 months in duration. More information can be found on the loan product page, together with the maximum loan amounts available.

The main reason hard money loans have higher interest rates than traditional loans is because of the risks involved in the transaction. Unlike a residential home purchase, a fix and flip project could run over budget or the real estate market could take a turn for the worse, making the property difficult to sell quickly.

In other words, you could potentially lose money with a fix and flip. This risk is applicable to the borrower and the hard money lender. The higher interest rate compensates for this risk, which most conventional lenders are unwilling to take on. Hard money lenders effectively fill the gap, using an asset based lending model to fund real estate deals.

The origination fee (loan points) of a hard money loan is usually between 2-3%, but this varies with each deal. To work out the expected monthly payments, it is best to use our hard money loan calculator.

On this point, it is also worth noting that the monthly payment of all New Silver hard money loans work on interest only payments. This helps reduce the cash flow burdens of the investor while the project is underway. Interest only payments are one of the best benefits that you can unlock by working with a reputable hard money lender like New Silver.

In short, yes. While the credit requirements of a hard money loan are not as stringent as a traditional lender, we do review the credit history of all our borrowers. If you’re worried about the minimum credit score, it is best to look at our hard money loans product page to see if New Silver is a good fit for your needs.

You should find that our interest rates are lower than other private money lenders. In addition, we don’t require income verification during the credit history check. This is one of the major benefits of private money financing.

  1. House Flipping Loan – Designed for house flippers
  2. Rental Property Loan – 30 year loan for investment properties
  3. Construction Loan – For new residential building projects

Right now, we do not specialize in commercial hard money loans. However, we can connect you with one of our commercial lending partners.

Yes. We offer 30-year investment property loans for Texas real estate investors that focus on rental property. This is one of our most popular hard money loan programs. We can fund multiple investment properties simultaneously, provided the borrower is able to find good rental properties and has the capital for the down payment on each rental property.

Where We Lend

Hard Money Loans Across The US

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