First Funding Investments

Hard Money Lender in Texas

First Funding Investments is a family-run private lender serving real estate investors across Dallas, Fort Worth, Houston, Austin, and Waco. We provide hard money loans from $25,000 to $3,000,000, funded in as little as one week, with published rates, no junk fees, and no appraisal in most cases, helping investors secure financing quickly and confidently.


Whether you're purchasing, renovating, refinancing, or expanding your investment portfolio, our experienced team delivers flexible financing solutions and a streamlined loan process to help you move forward with confidence.

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See Loan Requirements
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$25K–$3M

Loan Amounts

Up to 70% LTV

Financing Available

1–3 Weeks

Typical Funding Time

11.9%–13%

Interest Rates

Our Loan Options

Construction Loans

Finance new construction projects and complete property rehabs with flexible construction loans designed for Texas investors and builders. Cover expenses such as labor, materials, permits, and inspections while benefiting from competitive rates, fast approvals, and funding that supports every stage of the construction process.

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Bridge Loan

Move forward without waiting for traditional financing. Bridge loans provide short-term funding that helps real estate investors secure new opportunities, cover temporary cash flow gaps, or purchase a property before another sale closes. Enjoy fast approvals, flexible terms, and reliable financing when every day counts.

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Real Estate Loan

From purchasing an investment property to refinancing or expanding an existing portfolio, real estate loans provide the capital needed to pursue new opportunities. Financing is available for residential, commercial, and land investments, making it easier to support projects at every stage of your investment strategy

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Fix & Flip Loans

Transform undervalued properties into profitable investments with financing built for fix-and-flip projects. These short-term loans cover both the property purchase and renovation costs, giving investors the capital needed to improve, market, and resell homes while maximizing their return on investment.

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Proof of Funds Letters

Strengthen your offer with a Proof of Funds letter that verifies your financial ability to complete a real estate purchase. Commonly requested by sellers and agents, this document helps investors demonstrate credibility, compete more effectively, and move forward with greater confidence in competitive markets.

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Refinance Loans

Unlock the value of your investment property with refinancing solutions tailored to your financial goals. Whether you're looking to lower borrowing costs, access equity for your next project, or improve cash flow, refinance loans provide a practical way to strengthen your real estate investment strategy.

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Property Settlement Loans

Access the equity tied to a court-approved property settlement without waiting for the legal process to conclude. Property settlement loans provide short-term financing that can help cover immediate expenses, legal costs, or new investment opportunities while your real estate settlement is being finalized.

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Custom Tailored Secured Loans To Fit Your Needs

Private Real Estate Lenders with Very Competitive Rates & Terms

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Listing Services

At First Funding, we offer real estate listing. Our team helps you list and sell your investment properties.

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Rehab / Construction Loans

As private real estate lenders, we provide hard money loans to improve your property. We offer very competitive loan rates and terms combined with fast closings to enable you to maximize your real estate investment profits.

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Why Texas Investors Choose First Funding?

Banks underwrite the borrower. We underwrite the deal. That difference allows investors to bring us a property early in the week and often close before the week is over. We fund privately, so there is no loan committee, no outside investor approvals, and no appraisal requirement in most cases. Our team performs a free investment analysis and provides a clear decision without unnecessary delays.

We also publish our rates, so you know what to expect before you apply, instead of hiding pricing behind a form. This straightforward approach has earned the trust of investors across Texas who return to First Funding Investments for future financing. Learn more about the people making every lending decision by meeting the team behind every loan.

Testimonials

  • C. Crawford
    Their interest rates and points are about as good as you can find in the business. If I need a deal closed, I know I can always rely on First Funding.
    C. Crawford
    JC Homes, LLC
  • C. Crawford
    If I need money for a deal, they’re always there and ready to go for me. They’ve closed numerous deals for me, and some in 2 days or even less.
    C. Crawford
    JC Homes, LLC
  • Clint Crawford
    Clayton, Charles and all of the crew at First Funding are very pleasant to work with! If I need money for a deal, they’re always there and ready to go for me. If it wasn’t for them, I wouldn’t have my house flipping business. They’ve closed numerous deals for me, and some in 2 days or even less. And the best part is, they don’t have all the fees that other hard money lenders have. Their interest rates and points are about as good as you can find in the business. If I need a deal closed, I know I can always rely on First Funding.
    Clint Crawford
    JC Homes, LLC
  • Brandon Bachik
    This company is amazing! I brought them a deal that needed to get approval and closed in 2 days, and they made it happen. They know what they’re doing. Very organized and professional company. I would recommend them to all my friends in the business.
    Brandon Bachik
    Real Estate Investor
  • Dwight Harrison
    The service and experience this lender brings to the table is second to none. I fee so secure and confident in their abilities. I’ll be using them for all my real estate investment purchases going forward.
    Dwight Harrison
    local house flipper
  • Chris Willis
    Not only does this lender have very competitive rates & fees and service, they also have a vast knowledge of the real estate laws in Texas plus extensive brokerage sales experience. Before I commit to a deal I can always count on them to let me know where I stand.
    Chris Willis
    Real Estate Investor
  • Frank Packard-Reed
    What a great company to work with. They’re a family run business with a direct client business relationship with no red tape. They always find the time to assist me with my investment decisions. This gives me a competitive advantage over my peers.
    Frank Packard-Reed

First Funding Investments is a hard money lender firm in Texas with years of experience helping private investors maximize profits. Our team of experienced professionals will work with you to facilitate secured loans for your real estate investments.

Finding private money lenders offering fast and simple application and approval processes is difficult. But at First Funding Investments, we make it easy. We’re the hard money lender you can trust for simple investment property loans.

We are ready to help you kickstart or boost your investment portfolio. First Funding Investments is the top Texas private money lender to call for fast, efficient, and reliable loans.

What We Offer:

  • Loan amounts from $25,000 to $3,000,000
  • Real estate financing for residential properties, apartments, office buildings & raw land
  • Loan-to-Value (LTV) ratios up to 70% of after-repair value (ARV)
  • 1-3 week turn times
  • Interest rates from 11.9-13%

Get Your Real Estate Investment Started with a Trustworthy Hard Money Lender

Access fast and reliable hard money loans with First Funding Investments. We are a Texas  private real estate lender ready to help you launch or boost your investment portfolio. Fill out our application and request an investment property loan today.

Start Your Loan Application

How Our Hard Money Loan Process Works

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Step 1.  
Apply online

 

Fill out the loan application. It takes a few minutes, and our staff responds quickly.

Step 2.
Free investment analysis

Our team reviews your application and analyzes the deal at no cost. Investments that pass move directly to underwriting.

Step 3.
Private underwriting

Because we fund privately, we do not require an appraisal in most cases, and we underwrite faster than a traditional lender.

Step 4.
Close and fund

 

Fill out the loan application. It takes a few minutes, and our staff responds quickly.

Beyond the Loan

Listing Services

We list and sell investment properties, giving you a seamless transition from financing to closing. When your rehab is complete, the same experienced team that funded your project can help bring it to market.

See Our Listing Services

Investment Opportunities

Not every investor wants to manage a renovation project. If you prefer putting your capital to work through secured real estate loans, we can help you explore investment opportunities tailored to your goals.

Explore Investment Loan Opportunities

Texas Markets We Serve

We provide hard money lending across Texas, with dedicated teams serving five major metro areas. Local market knowledge helps us evaluate opportunities more accurately, allowing investors to secure financing quickly and move forward with confidence.

Texas Hard Money Lenders for Real Estate Investors

At First Funding Investments, we provide Texas hard money solutions built for both seasoned professionals and for first-time investors seeking fast, flexible real estate financing. Our private funding model eliminates bank delays while keeping terms competitive and approvals simple.

Our investor-focused advantages include:

  • Fast approvals with minimal documentation
  • ARV-based financing up to 70% LTV
  • Loans for residential, commercial, and land projects

Fast Hard Money Lending for Texas Real Estate

Secure your next investment faster with First Funding Investments. Apply today for quick approvals, flexible terms, and funding in as little as one week to keep your projects moving forward.

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Frequently Asked Questions

What is a hard money loan?
A hard money loan is private financing secured by real estate rather than your credit profile. Approval focuses primarily on the property's value, investment potential, and overall strength of the deal.
How much can I borrow from First Funding?
We offer hard money loans from $25,000 to $3,000,000, financing up to 70% of the property's after-repair value (ARV) for qualified real estate investment opportunities across Texas.
What are your interest rates?
Our interest rates typically range from 11.9% to 13%. We publish our rates upfront, allowing investors to evaluate financing costs before submitting a loan application.
How fast can you close a loan?
Most loans close within one to three weeks, depending on the project. When documentation is complete and timing is critical, we can often fund deals in just days.
Do you require an appraisal?
No, in most cases an appraisal is not required. Because we privately fund our loans, our team evaluates the property directly, helping eliminate unnecessary delays in approval.
Do you work with first-time real estate investors?
Yes. We work with both experienced investors and first-time buyers. Our lending decisions focus on the property's investment potential rather than your level of real estate experience.
What types of property do you finance?
We finance residential properties, apartment buildings, office buildings, and raw land throughout Texas, providing flexible funding solutions for a wide range of real estate investment projects.
Which Texas markets do you lend in?
We provide hard money loans throughout Texas, with dedicated lending teams serving Dallas, Fort Worth, Houston, Austin, and Waco, while also financing qualifying investment properties across the state.