Frequently Asked Questions

3. What types of projects do you fund with hard money or private money loans?

We provide hard money loans for fix-and-flip projects, ground-up construction, land acquisition, commercial rehabs, and more. As one of the best private money lenders in Austin TX, we specialize in funding time-sensitive real estate deals throughout Texas.

4. How fast can Longhorn Funding close a hard money loan in Texas?

We can close most loans in as little as 3–7 business days, depending on the deal. Our streamlined process and local underwriting team make us a go-to option for investors seeking fast hard money loans in Texas.

5. What are the typical terms for a hard money loan from Longhorn Funding?

Loan terms typically range from 6 to 18 months, with interest rates starting at competitive rates like 10%, based on project type and risk. We offer flexible terms tailored to your needs—another reason we're considered among the best hard money lenders in Texas.

6. What types of projects & properties do you lend on?

We fund a wide range of investment properties, including:

🏠  Single-family flips

🛠️  Rental rehabs 

🌉  Bridge Loans

🏢  Multifamily value-add deals

🌄  Land purchases

🧱  Ground-up construction projects

If you need a hard money lender in Texas who understands that each real estate project is a brand new canvas, then we're here to help you  paint your way to profits!

Absolutely. At Longhorn Funding, we work with both experienced pros and first-time flippers or landlords. We take pride in helping newer investors structure smart, safe deals—and we’ll walk you through the process from term sheets to draws. That’s part of what makes us one of the best private money lenders in Austin TX.

7. Do you work with first-time real estate investors?

8. Do I need good credit to qualify for one of Longhorn Funding's Private Money Loans?

Not necessarily. Our loans are asset-based, meaning your approval is primarily tied to the property's value—not your credit score. At Longhorn Funding, one of the best private money lenders in Austin TX, we focus on the deal’s strength, equity, and exit strategy more than your credit history.

9. Can I use hard money to buy a property at auction or a foreclosure sale?

Yes! Hard money is perfect for fast-paced purchases like auctions and trustee sales, where traditional financing won’t move quickly enough. Longhorn Funding is one of the best hard money lenders in Austin TX for closing speed—often in 3–7 days, with no red tape.

10. How much can I borrow with a hard money loan in Austin or across Texas?

Loan amounts vary based on the Loan-to-Value (LTV) or After-Repair Value (ARV) of the property. At Longhorn Funding, we typically lend up to 70% of ARV, depending on the project type. Whether you're flipping a house in East Austin or rehabbing a rental in San Antonio, we tailor loans to your deal.