Hard Money Houston provides fast private loans for real estate investors across Houston and surrounding areas. 100% LTC on fix & flip, 600+ credit, and only $15K minimum in reserves (or 25% of your rehab budget).
Get Funded Fast
Same-day term sheet. No obligation. No broker fees.
No deal yet? Select "Request Info" below.
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Our team will review your deal and reach out with a term sheet within a few hours. Keep an eye on your inbox — or DM us @hardmoneyhouston.
The Process
Fill out our quick form above with your deal details. We review every submission the same business day — no waiting around.
Within hours you'll have a clear, no-fluff term sheet: rate, LTV, fees, and timeline. We underwrite the asset with straightforward qualification criteria.
Our in-house team moves fast. Close in as few as 5 days and get funds directly to your closing so you can take the deal.
Loan Programs
Short-term rehab loans for investors across Houston and surrounding areas. We have the ability to cover the full project cost — better than any local or out-of-state lender.
Ground-up financing for experienced builders in Houston and surrounding areas, with flexible draw schedules tied to construction milestones.
For investors who plan to fix and hold income-producing properties across Houston and surrounding areas. Strong terms on stabilized assets.
We've built our process to move as fast as you do — better than any local or out-of-state lender.
We only require $15K in reserves or 25% of your rehab budget — one of the lowest bars in the market.
Fix & Flip and New Construction from 600+. Buy & Hold requires 700+ credit.
We have the ability to cover the full project cost on fix & flip deals — few lenders anywhere can match that.
Your Lender
Ashley Larsen isn't just a lender — she's an active real estate investor herself with 8 years in the Houston market. She understands the pressure of a fast-moving deal, what it takes to make numbers work, and exactly what borrowers need to close with confidence.
As a Longhorn borrower herself, Ashley has experienced the process from both sides. That means straightforward terms, fast decisions, and a lender who actually picks up the phone.
You're dealing directly with a fellow Houston investor who knows this market inside and out — not a call center, not an out-of-state fund. Just honest lending from someone who's been in your shoes.
Hard Money Houston
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Borrower Stories
"Ashley was incredible to work with. She walked me through everything, got us a term sheet same day, and we closed in under a week. Best lending experience I've had."
"I've done multiple deals with Ashley. She's always straight with you on what you need and moves faster than anyone else I've worked with."
"Ashley made the whole process easy. Clear terms, fast approval, and she actually answered her phone. I sent two other investors her way already."
Submit your deal today and get a term sheet before end of business — no commitment required.
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