NMLS #2517223  ·  Licensed in Texas Austin  ·  Houston  ·  (512) 998-9440
Program 07

Hard money loans.

Short-term, asset-based capital priced for speed. The right instrument when the timeline is the binding constraint — and the wrong one when it is not. We will tell you which situation you are in.

Basis
The asset, not income
Term
Typically 6 – 24 months
Speed
Days, not weeks
Exit
Sale or refinance

When it is the right tool

A bridge between two closings. An auction with a hard deadline. A rehab no conventional lender will touch until it is finished. In each case you are buying time, and time is what this costs money for.

When it is the wrong tool

If you simply want a lower payment, this is not it. Hard money is expensive by design because it is fast and secured by an asset rather than a borrower. Using it as a substitute for a conventional loan is how people get hurt.

The exit is the whole plan

Before we write it we want to know how it ends — sold, or refinanced into something long-term. A hard money loan without a credible exit is not a loan, it is a countdown.

Also worth reading

Start with a real conversation.

Apply now Call (512) 998-9440