Residential Hard Money Lenders & 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 $400 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

Based on 229 reviews

Source Capital Funding, Inc. - Direct Hard Money Lender

4.9

shaida a

23:43 28 Aug 20

My family has been investing with Sacha and Ryan for over 10 years. They are actually our main source of income; We've invested over a $1M with them; THATS how much we trust them!They are both extremely knowledgeable, turst worthy, ethical and professional.I have NEVER, ever had a misstep or missed payment or any worries from them.Hard to find these days.And the nicest guys too!Love u guys!

Jirka N

16:31 08 Aug 20

My first experience with Sacha was in 2011 and we have closed many loans since then.Sacha, Ryan and Marie are always professional, on time and on the top of it. Excellent and fast and easy communication.Their process is very convenient, mostly paperless and a lot can be done fast and remotely. If you have equity in your house they will work with you even if you have low credit score.Recommend them highly.

Susan S.

01:05 01 Aug 20

Eleven years ago we were fortunate enough to find Source Capital through a friend at our club. We started out with investing 5 percent of our worth as our initial investment. We gradually increased our participation because of continued success with Source Capital and now have entrusted 90 percent of our worth with them. We are so comfortable and secure with Source Capital, that we have felt at ease introducing many of our friends and family to this wonderful company. We enthusiastically recommend this highly knowledgeable and professional company.

Jenna Di M.

01:10 29 Jul 20

I have had the pleasure to work with the entire Source Capital Group and cannot help but rave about them. Marie is super knowledgeable, personable and shows amazing attention to detail. Sacha, Ryan and Marie make up a dream team when it comes to hard money loans and exceptional customer service. I would refer Source Capital Funding and their great team to anyone and everyone in a heart beat. Keep up the great work guys!

D H.

23:42 27 Jul 20

Always quick to return calls and respond to emails, Ryan and Marie helped make this loan go through smoothly and efficiently. I would not hesitate to recommend Source Capital for quick Hard Money loans, and I would gladly work with them again. If I ran into any issues along the way, Ryan worked with me to find a solution every time, and he was also open to my suggestions as well. First Class all the way!

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Source Capital Funding is operating at full capacity and continues to fund loans during COVID-19.