Hard Money Loans in Bell County Texas
First Time Fix and Flip Loans provides fast, flexible hard money loans for real estate investors in Bell County, Texas. Whether you’re flipping, refinancing, or acquiring distressed properties, our team delivers quick capital with minimal documentation and fast closings.
Hard Money Loan Program Overview
Hard money loans are short-term, asset-based loans designed for investors who need speed and flexibility over traditional bank financing.
Key Features:
- Up to 90% purchase financing
- Up to 100% rehab financing
- Up to 70–75% ARV
- Interest-only payments
- 6–24 month terms
How to Qualify
- Purchase agreement or property details
- Scope of work and rehab budget
- Exit strategy
- No income verification required
- No tax returns needed
- Credit flexibility
- LLCs and entities accepted
Property Types Eligible
- Single-family homes
- Multi-family properties
- Fix-and-flip projects
- Distressed properties
- Rental investments
Fast Funding Process
- Submit deal scenario
- Receive term sheet within 24 hours
- Underwriting and appraisal
- Loan approval
- Close in 5–7 business days
Local Lending Experience
We understand Bell County’s market dynamics including military-driven housing demand from Fort Cavazos, strong rental demand, and local permitting requirements. Our team helps investors navigate inspections, valuations, and timelines efficiently.
Benefits Over Banks
Asset-based approvals
Funding for distressed or complex properties
Draw schedules included
Higher LTC and ARV options
No Income Docs Required
Serving Areas Across Texas
Serving real estate investors across Texas including Killeen, Temple, Belton, and Harker Heights. Trusted in neighborhoods from Denver to Texas Springs, Aurora, Fort Collins, Lakewood, Thornton, Arvada, Westminster, Pueblo, and Greeley.
FAQs
Hard money loans are short-term loans based on property value.
Most loans in Bell County can close within 5–10 business days, depending on the deal and property.
No. loans are asset-based, meaning approval is based on the property and exit strategy—not personal income.
Investment properties including flips and rentals.
Yes, rehab funds are included in most loans.
Get Funding Fast
Apply now for fast approval! Speak to a local Texas lending expert today and get your deal funded quickly. Submit your deal scenario for same-day feedback and take the first step towards securing the funding you need.