We’ve been providing bridge loans, aka hard money loans, to the Texas real estate community for over 20 years and have mastered the art of closing outside-the-box real estate deals quickly and easily. Whether you’re purchasing or looking for a cash-out refinance on a property, we can quickly assess your situation and provide you with the best Texas Bridge Loans for the transaction.

Our bridge loans are perfect for fix-and-flips, buying properties without sufficient cash-flow and pulling out cash on a property you already own. They’re short-term, but can be effective “bridges” to permanent long-term financing under the right circumstances. If you can’t get bank financing or you just don’t have that much time, a hard money bridge loan is often your best option for deals in Texas.

The best part: We’re a direct hard money lender, not a broker, so you can trust you’re not overpaying points or interest. We will always do our best to get your deal done!

Texas Bridge Loans Highlights

  • Fast closing: 5-10 business days
  • 1-year terms with interest-only monthly payments
  • $150,000 minimum loan amount
  • 75% maximum loan to value
  • Interest rates starting at 10%
  • 2-3 origination points
  • 550 minimum credit score
  • No prepayment penalties after 4 months
  • Non-owner-occupied Texas properties only
  • Cash-out refinance ok
  • Permanent/non-permanent residents, and foreign nationals ok
  • Inexperienced investors ok
  • No bank statements required
  • No upfront fees (unless appraisal is required)

When we choose Texas Bridge Loans, we can deliver preliminary term sheets within 24 hours of receiving a complete loan application!

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What do I need to do to get a bridge loan from Little City Investments?

  1. Get an Austin, Houston, Dallas or San Antonio-area property under contract significantly below market value or own a property with substantial equity. We’ll evaluate the property and make you an offer for the loan based on our assessment of the market value. We lend a maximum of 75% of the market value of the property as part of our Texas Bridge Loans offering.
  2. If you’re purchasing, we’ll need a copy of the contract before we can evaluate the loan. Please don’t ask us to evaluate an investment property you don’t have under contract. If you’re refinancing, we’ll need a payoff for any existing loan(s) and a title commitment.
  3. Because our hard money loan terms are only one year, we also need to know your exit strategy, time frame and budget. Comparable sales research is welcome but we do our own due diligence. Read more about our loan requirements here. Experienced real estate investors often get preferred treatment, so if you have success stories, those can help.

Have more questions about how to get a hard money loan? Try our borrowing hard money FAQ.