Equity Based Residential Loans

From single family residences to fix and flip remodels, you can get the financing you need to start your residential project.

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Loan Highlights

No Prepayment Penalties
No Income Requirements
No Minimum FICO Scores

Direct Lender
Fast Approval and Funding
Minimal Paperwork

Past BK, Foreclosure – OK
Foreign Nationals – OK
Self-Employed – OK

Residential Hard Money Lenders

Source Capital has secured hundreds of millions of dollars in residential hard money loans since our founding in 2007. We have a combined 65 years of experience in the industry of hard money lending, and we’re the go-to source for borrowers who are looking for fast funding with the fairest terms. Most of the time, we can secure hard money loans at a more affordable rate than our competitors and have funds wired in a matter of days, rather than weeks. Residential hard money loans in Texas require knowledge and expertise, and we always make sure our borrowers have a smooth transaction. We can help fund a variety of residential real estate properties, including purchases and refinances for condominiums, single family residences, duplexes and more.

Source Capital is a premier hard money lender in Texas, California, Arizona, and Minnesota. Our widespread experience has introduced us to borrowers of all types, including agents, brokers, investors, and house-flippers. Our satisfied clients speak for themselves; just check out our 5-Star reputation on Yahoo and Google, in addition to our A+ rating with the Better Business Bureau. We’re happy to save our clients both time and money by underwriting our loans in house and cutting out the middle man. Thus far we’ve secured over $250 million in real estate loans to hundreds of satisfied borrowers and look forward to providing you with hard money lending in Texas, as well.

General Terms and Conditions

No Prepayment Penalties

Rates From 7.99%

Loan To Value Up To 70%

Terms Up To 36 Months

Origination Fees From 1.75%

Count on Source Capital for some of the most favorable hard money terms in the industry. We know how important it is to fairly structure our clients’ loans and we’ll always explain each term in detail. You’ll never be hit with hidden clauses, “junk fees”, or penalties for paying your loan off early. Curious about just how great our terms are? Give us a quick call or apply online—it’s fast, easy, and best of all, free!

NOTE: All loans are secured by real estate only.

Over 151+ Google Reviews and Counting

“The staff at Source Capital has helped me create new income streams. They are consistent, direct and deliver every time.”

Michael KornAgent, Keller Williams Realty

“As a lender myself, working with Source Capital shows that there are still a lot of good people in our industry, and we will definitely be in connection to do future business together. Job well done.”

Anthony TrujilloMortgage Broker, Paramount Partners

“We were very pleased with the service we received from Source Capital. Communication was clear and responsive, funding was quick, and terms were as agreed and proposed.”

Brian OverstreetPresident, Advera Health Analytics

“Recently completed another flawless transaction with Source Capital. Why would anyone want to go anywhere else? They’re the best.”

Marianne BordognaAgent, Keller Williams Realty

“The team at Source are consummate professionals who work efficiently and effectively. Simply stated- truly exemplary and professional people”

Paul ElamOwner, San Diego’s Real Estate

“Source Capital has been an absolute pleasure to work with throughout. These guys are on top of their game”

Tyler HansonAssociate Broker, Cushman & Wakefield

“In all my years, I can confidently say they are the most professional, prompt, courteous, and efficient private lender I have ever worked with!”

Greg ShieldsOwner, GSI Appraisals

“They were very responsive and extremely helpful and would certainly use them again. I highly recommend their services.”

Alvin FuchsAgent, Keller Williams Realty

“I have never dealt with a hard money lender before but I can tell you my experience with Source Capital was very positive. I highly recommend”

Courtney RothClient

“I have always had a highly professional and honest experience with everyone on their team and would recommend to anyone looking for financing.”

Andrew BellahOwner, The Bellah Group

“They are always so patient, helpful, and professional. and have helped me so much! This can be such a stressful process, but they make it all so easy.”

Lauren MarcusClient

“Smooth and fast transaction as the loan was funded in 8 days. They are a pleasure to work with – Strongly Recommended.”

Borna EftekariAgent, Farmers Insurance

“Highly recommend Source Capital Funding if you need money fast and you value efficiency. I will go back to them again if I need funding in the future. “

Kendall HeathClient

Residential Property Types

1-4 Units

Single Family Residence

Condominium / Apartment

Duplex, Triplex, Quadraplex

Fix and Flip

Complete Rehab

Remodel

Buy and Hold

Whether you need financing for a multi-unit project or a single family home, Source Capital’s residential hard money loans in Texas can help. As a direct hard money lender, we have both the capital and experience to help any borrower looking to refinance or purchase. If you’re a mortgage broker or real estate agent, we can also help your clients secure hard money loans. We’re proud to offer premier Texas hard money loans in addition to serving California, Arizona, and Minnesota, as well.

Google Rating

4.9 ★★★★★

★★★★★

Monday Justice

★★★★★

2 weeks ago

It was really a pleasure doing business with Source Capital Funding. I recommend this company for any of your financial needs. Sacha and his team were very professional and helpful throughout the whole process. They were on point in regards to my concerns and answered all my questions. I will sure work with them again. Thank you all at Source Capital Funding for a great service. Monday J

Hunter Campbell

★★★★★

2 weeks ago

Great Company! They worked non-stop on our loan and funded quickly. We were always able to get our questions answered right away and Sacha helped walk us through everything. Their rates were very competitive. I recommend highly and will be passing their information on to family and friends.

Kat Hargrove

★★★★★

2 weeks ago

Everyone at Source Capital was so helpful and very efficient. I was always informed of each step during the process which made the transaction smooth and fast. Sacha was so friendly and easy to work with !! I would use them again and also refer to them ! Thanks again, Kat

Sandra Goodrich

★★★★★

3 months ago

Sacha was knowledgeable, through and helpful. I needed to get a loan closed quickly and he made it happen. Marie was patient and competent - a great team. I have knowledge of the industry since I have been in all facets of the loan business for over 40 years myself. Sacha always responded to my calls and emails - a true testament to professionalism. He's a great guy and a great company. I highly recommend Source Capital.

Matt Mofidi

★★★★★

3 months ago

Sacha performed beautifully, and was able to fund in 1 week. He under-promised and over delivered!!! This is the way it should be with any lending company. I have dealt with many lending companies over the past 20 years, large banks, credit unions, and hard money lenders. Source Capital Funding out did them all. This is an incredible place if you need funding fast and with very reasonable terms, and you are not going to get any surprises at the end. They are highly professional and will not give you the run around. Highly recommended.