Cities and Counties in Texas that we lend in: (Austin and all surrounding suburbs, Dallas and surrounding suburbs, Ft. Worth and surrounding suburbs, San Antonio and surrounding suburbs)

Below is a summary of the loan programs we offer in Texas:


Please submit your loan request or general inquiry at the link below and someone will respond to you right away.

Texas Rehab Loan Program (Fix & Flip)

  • Loans amounts for up to 65% of After Repaired Value
  • Interest rate: 13% interest only
  • 3-4 points as a loan fee Loan terms from 6 to 12 months
  • Loan amounts from $50,000 to $750,000
  • Fast fundings, from 3 - 7 days
  • *Repairs are held in repair funds escrow for draws as rehab
    is completed.

*Monthly, interest only payments required. No principal payments.

Residential Bridge Loan – Hard Money Loan:

Texas Hard Money Loan Program (for Faster Funding Deadlines)
*No minimum credit score

  • Residential hard money loan, bridge loan option
  • Fast fundings, from 1 - 7 days
  • Loan amounts for up to 70% of purchase price on
  • purchases, or up to 65% loan to value on refinances
  • Loan amounts from $50,000 to $500,000
  • Interest rates: 12% interest only
  • 4 points as a loan fee Loan terms: 2-5 years
  • *No credit minimum.

*Monthly, interest only payments required. No principal payments.

Commercial Bridge Loans – Purchases and Refinances:

Texas Commercial Bridge Loan Program, Commercial Hard Money Loan
*No minimum credit score

  • Commercial hard money loan, bridge loan
  • Property Types: Office, Industrial, Multi-Family, Self-Storage,
  • Retail, Senior Housing, and Medical
  • Fast fundings, from 5 days to 14 days
  • Purchase loans and Refinance loans
  • Loan amounts for up to 75% of purchase price on
  • purchases, or up to 70% loan to value on refinances
  • Interest rates from 8.5% to 9.99% interest only
  • Loan amounts from $250,000 to $100,000,000
  • 3-4 points as a loan fee Loan terms: 12 months - 72 months
  • No credit check required for approval, past bankruptcy
    or foreclosure ok.

*Monthly, interest only payments required. No principal payments.

Land Loans & Construction Loans:

Land Loans:

up to 65% of Purchase Price on Purchases
Between 55% to 65% of Value on Refinance Loans
12% to 15% and 4-5 points for 12 months Loan amounts from $50,000 to $5,000,000

Construction Loans:

Loan amounts from 65 to 70% Loan to Cost
8.5% to 9.99% and 3-4 points for up to 12 months
Min loan amount is $250,000. Max loan amount is $100,000,000
*Example: Cost of Lot Acquisition + Cost of Construction =
Total Project Cost. We lend up to 70% of the Total Project
Cost on a construction project on a case-by-case basis.


  • Resume of similar projects completed
  • Loan application filled out
  • PFS for signers for the business that will hold title (I can send you one if you like, please let me know)
  • Bid for construction cost or itemized list with cost next to each
  • Comps to support final sales price
  • Summary of project highlights in a paragraph or two with relevant data and numbers outlined.
  • Summary of project timeline in a few sentences, as compared with previous projects
  • Concept
  • Photos of similar homes
  • Photos of the actual lot, subject of acquisition

Success Story

Located close to the ski resorts yet close to Salt Lake City, UT, the subject property is in
a highly sought-after location. Using a hard money loan from Private Money Utah for the
purchase of this rehab property, an experienced, Utah real estate investor…


Why is Private Money Utah the Top Choice for Hard Money?


Lending decisions made in-house means
faster lending decisions


Last minute closings? We can fund your loan
in as quickly as 24 hours, to an average of 5
business days.


Our borrowers trust us because we do what
we say we will do! When the pressure is on,
we always come through for our borrowers.


We provide the best customer service in the

Since 2008, Private Money Utah has been providing hard money loans to real estate investors. Private Money Utah is trusted by its borrowers because we provide a reliable, fast process for funding loans.

Do you have a loan to submit today?
Apply Now