Houston Home Loan Options

Having options in today’s market is key. The one size fits all approach doesn’t work anymore. So whether you have been on your job for years or self-employed and have a complex income situation we are here to guide you.

LEARN MORE
Hard Money/Private Money Lending

Fix & Flip/Hold Loans

  • Loans for purchasing and rehabbing investment properties with the exit being to sell or hold and refinance into a long term loan.
  • These are interest only loans with no pre-payment penalty and are typically 12 months but can be longer based on the property and rehab needed.
  • Property Types: SFR (1-4 Unit), Multi-Family
  • Loan Amounts: $50,000-$50M
  • LTCs up to 100% in select states
  • Rehab: Up to 100%
  • No experience requirement but if you do have completed projects in the last 3 years terms could be more favorable.

Bridge Loans

  • Short-term financing for fast closings on investment property with high leverage and competitive terms.
  • Purchase or Refinance
  • Property Types: SFR (1-4), & Multi-Family
  • Loan Amounts: $50,000-$50M
  • Loan Terms up to 24 months
  • Time to Close: Usually 7-10 days from the time all required documents are received.
  • Industry leading options available for 720+ FICO

DSCR Loans

  • Qualify based on the property’s income and NOT your income as the borrower.
  • Flexible term lengths, competitive rates, and easy processes to maximize monthly rental income.
  • Eligible Property Types: SRF (1-4), Multi-Family & Mixed Use (Up to 8 units)
  • Loan Amount from $75,000 to $5M
  • LTVs up to 80% for purchase and rate/term refinance & 75% for cash-out refinances.
  • No property seasoning requirements for recently renovated properties.
  • Delayed Purchase options available if you recently paid cash for a property.
  • Rural property options available
  • No FICO option available at 50% LTV

Ground Up Construction Loans

  • For New Ground Up Projects
  • Property Types: SFR (1-4)
  • Loan Amounts: $100K-$5M
  • LTCs up to 92.5%
  • Rehab coverage up to 100% of construction budget
  • Can include the lot in the purchase
  • Mid-Construction refinance options available
  • Loans Terms: Up to 24 months
  • Time to Close: As fast as 10-15 days

Multi-Family Loans

  • Loan Amounts up to $50M
  • Loan Terms up to 24 months
  • Time to Close: 17-30 days
  • Industry leading options available for 720+ FICO

Commercial & Mixed-Use Property Loans

  • Qualify based on the property’s income and NOT your income as the borrower.
  • Flexible term lengths, competitive rates, and easy processes to maximize monthly rental income.
  • Eligible Property Types: Office Buildings, Self Storage Facilities, Retail Strip Centers, Automotive Repair Shops (No gas pumps allowed)
  • Loan Amount from $75,000 to $5M
  • LTVs up to 70%
  • Rural Property options available
  • No FICO option available at 50% LTV

Get started today!

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

What are you most interested in?(Required)
Name(Required)
Consent(Required)
Back To Top