Direct Hard Money Private Lenders
Texas Hard Money Lenders



How much do you need?
Over $40,000,000 Funded

All of Your Funding Problems are Solved Here!
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Residential From 7.99% APR*
Fix & Flip 90% LTV with 100% of Rehab*

If You Are Not Using Level 4 Funding You’re
Probably Paying Way Too Much

That’s It! The Stress is Gone
No More Begging, No Jumping Through Hoops
No Tax Returns, No Pay Stubs or No Credit Required
No UP Front Fees - No Junk Fees

More Real Estate Investors Became
Millionaires and You Can Too
Do Real Estate Investing and Take Over the World

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We Specialize in Texas Hard Money Lenders

 No More Begging

No Jumping Through Hoops

No Tax Returns

 No Pay Stubs*

 No Credit Required

 No Up Front Fees or Junk Fees

Flexible Terms From 3 to 60 Months

 Fixed Rate From 7.99% APR*

Up to 85% As-Is Value, 100% of Rehab Costs

Commercial/Construction Loans

Business Loans/Fix&Fip Loans

 Trust Deed Investing

Texas Hard Money Lenders - Just Funded

Do What Everyone Else Is Doing Start Making Money

If Your’re Not Using Level 4 Funding

You Are Paying Way To Much

Hard Money Rental Purchase
Home Value  $946,000
LTV 50%  Scottsdale, AZ

 

Hard Money Cash Out Mortgage
Loan Amount $560,000
Home Value $999,450
LTV 56% Mesa, AZ

 
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Cash Out Hard Money Loan
Loan Amount $1,850,000
Home Value $4,000,000
LTV 46% Scottsdale, AZ

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Cash Out Hard Money Loans
Loan Amount $3,000,000 @9%
Home Value $4,850,000
LTV 61% Beverly Hills CA

 
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Apartment Hard Money Loans
Loan Amount $650,000
Value $1,250,000
LTV 52% Phoenix, AZ

 
construction

Construction Hard Money Loans
Loan  $185,000 @ 9.5% 24 Months
Home Value $275,000
Prescott Valley AZ

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Rental Hard Money Loans
Loan Amount $300,000
8.25% 60 Months
Sedona AZ

 
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Rental Hard Money Loan
Loan Amount $450,000
8.0% 60 Months
Scottsdale AZ

 
1203x

Hard Money 2nd Mortgage
Loan Amount $42,000
18.9% 12 Months
Avondale, AZ

320 Austin Purchase at 12

Cash Out Hard Money Loans
Loan Amount $320,000
12% - Closed in 3 days
Austin TX

 
485k 50% LTV

Rental Purchase Hard Money Loans
Loan Amount $485,000
50% LTV
Scottsdale AZ

 
1273 river terrace new braunfelds texas 78130

Hard Money for Lodge/Hotel
Loan Amount $1,400,000
8% - 58% LTV
New Braunfels TX

 
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Hard Money For Cash Out/Refi
Purchase/Construction Loans Hard Money
Give us a call for the Lowest Possible Rates

 
  • “Top notch loan broker. who was awesome, quick, prompt, and most importantly, delivered. I would say don't even waste your time with another broker - these folks get the deal done, period. As a lawyer, they have helped me and many of my clients with a can-do attitude, and professionalism that is unmatched. A definite recommendation.”
  • “I was working with a hard money lender (OF) for the past ten days. 24 hours before my loan was supposed to close they called me and told me they were lowering my loan amount by 15%. I called Mark G at Level 4 Funding and told him the situation. If you want work with someone honest and professional call Level 4 Funding today.”
    Roger Johanson
  • “After hearing, the good things about this company, I think they are on top of their game. I will keep recommending people I know in Arizona to level 4 Funding.”
    Rick Carrol

Tips For Selecting Texas Hard Money Lenders

There is more to selecting the best Texas Hard Money Lenders than going to your local bank for a loan. Learning what to consider and what to look for can make the process much less stressful.

Texas Hard Money Lenders are private individuals or small groups who fund loans. They are not representing a bank or a mortgage company and they also are not required to abide by the same rules or guidelines as traditional lenders. But they are a legitimate option for a loan and their contracts are legally binding. As you begin to look for a lender, it can be helpful to have a few tips that will guide you as you enter this new realm of the financial world.

Texas Hard Money Loans are short-term loans based on the value of the property being purchased rather than the borrower’s creditworthiness. For these reasons, you will want to be sure to select only a lender who is well versed in Texas Hard Money Loans. The lender needs to be familiar with the appraisal process, the risk involved in hard money and the timeframe for funding. And as a newer real estate investor, it is in your best interest to work with a knowledgeable lender who can guide you and answer any questions that you might have about the process.

It can also be very helpful to focus your search on only local Texas Hard Money Lenders. This ensures that you will be able to meet the lender to ask questions, review documents and work through the entire process face to face. It is likely that you are working on your real estate purchases independently so having a trusted resource such as an experienced hard money lender, will help you to learn the process more quickly.

Check Out the Texas Hard Money Lenders

Before entering into any business deal, you should always check out the person or group that you will be working with. In the case of Texas Hard Money Lenders, you will want to be sure that the lender is properly licensed and is in good standing with any state or local governing bodies or commissions. You will also want to be sure that the lender is willing to be very open and clear about his or her fee structure and any costs that you are expected to pay up front or at the closing for the loan.

Get the Right Loan for Your Needs

There are many types of Texas Hard Money Loans and also many lenders. It is important that you understand the type of loan that will best suit your needs, such as a remodel loan, a foreclosure loan or a loan for a commercial property purchase. All of this information will help you to find the lender in your area who is most familiar with the kind of loan that you need. After selecting the best type of loan, then you can begin to narrow down your list of lenders until you select the one who offers the best rates.

What Are Arizona Hard Money Lenders?

Arizona Hard Money Lenders are private lenders who fund loans without the use of a bank or mortgage company. Unlike traditional loans hard money is secured by an asset rather than the borrower’s personal credit.

Arizona Hard Money Lenders are either private individuals or private business groups who loan borrowers funds for short-term loans. The biggest benefit of these private lenders is that the loan approval is based on the value of the property being used as collateral for the loan rather than the creditworthiness of the borrower. This opens up a great opportunity for borrowers who cannot meet the stringent loan qualifications of traditional banks and mortgage companies.

The term of most Texas Hard Money Loans is less than five years, making these loans perfect for real estate investors. The recent craze with property flipping has primarily been funded by Arizona Hard Money Lenders as they offer a simple application process and a fast turnaround on the approval and finding. Many banks can take up to several months to approve a loan application but Arizona Hard Money Lenders can approve and fund many loans in just about a week.

In addition to the fast funding, borrowers who have less than perfect credit look to hard money as a viable option for their funding needs. Being asset-based rather than credit based, many more borrowers can qualify for hard money. And because of their limited options for borrowing, they are willing to pay the higher rates charged for the hard money. In the end, it works out well for both parties involved as the lenders are being paid a higher interest rate for the increased risk of a borrower with a low credit score and the borrower has a resource that is less demanding than a bank.

Uses Of Arizona Hard Money

The first real estate deal that most consumers think of when hard money is mentioned is a fix and flip. These are very popular but there are other used for hard money as well. Homeowners who are facing a foreclosure but have strong equity in their home can use hard money to pay off the original mortgage and avoid losing their home. This allows the homeowner the choice of remaining in the home and finding a traditional mortgage to pay off the hard money loan or selling the home at a fair price and paying off the loan. The second option is far better than the foreclosure as the homeowner will keep any profit rather than turning it over to the mortgage company in the foreclosure.

Pros and Cons of Arizona Hard Money Lenders

There are pros and cons to every type of loan and even to every lender. Before selecting a hard money loan, it is important to do your research and find the lender who offers the terms and services that you need at the best rate. Easy applications, fast funding and lower credit requirements are all great but realize that these benefits come at a price that you must be willing to pay to use a lenders money.

Do Arizona hard money loans Work for Cash-Only/ As-Is Deals?

As you begin searching for your initial fix-and-flip deals, you’ll see quite a few ads that implicitly say the seller only accepts cash or that the property is being sold as-is. Generally speaking, Arizona hard money loans (HMLs) work well in these situations, though it’s important to consider the methodology behind the verbiage.

There are many reasons why sellers will list a property as-is or denote it’s a cash-only sale. Usually, it’s one of the following:

  • The property is in such ill repair that a bank won’t finance it. Oftentimes, the seller will mention that the home is “damaged.”
  • The seller needs to be free of the property quickly and can’t wait for someone to get approval. If this is the case, the listing may mention it is a “distressed” property.
  • The price or the value is too low for the property to qualify for a traditional mortgage.

In short, none of these situations really means that the seller requires you to have cash sitting around, but rather, the seller knows you aren’t going to get traditional financing and they don’t want to be bothered with offers that are contingent upon it. They don’t care whether your cash comes from your savings, if you borrowed it from family and friends, or if you’ve obtained an Arizona hard money loans; only that the sale won’t get held up by a bank.

Cash vs. HMLs: Which is Right for You?

There are benefits to going with cash when you can and there are benefits to leveraging Arizona hard money loans as well. If you’re using your own cash, then you’ll obviously have it tied up in the project for the duration, which can be problematic if you run into issues or come across another great investment opportunity while your money is already in use. However, if you have enough to cover it and feel confident you won’t need it, going with your own cash can be the cheapest way to fund a project. Borrowing from friends and family works along the same lines, but you’ll naturally have to be mindful of the repayment terms to avoid causing any issues. With an Arizona hard money loans, you do have to pay to borrow, but the fees can easily be paid for with profit when you manage a successful project.

Getting approval for cash-only properties is easy when you work with the right lenders.

If you’ve got a property in mind that’s listed as a cash-only or as-is sale, do your homework to ensure the purchase and rehab will be profitable. Spend time getting to know the property, what it has been appraised at, what challenges you’ll face when doing upgrades and repairs, and what similar homes in the area are selling for. Then, check with a broker to find out what terms you qualify for before approaching the seller. Armed with information and an approval in your back pocket, most sellers will jump at a fair offer, and perhaps even a low offer, regardless of whether your cash is coming from an HML or your personal bank account.



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