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Fix-and-Flip Loans Houston

With our fix-and-flip loans, Houston real estate investors have a dedicated source for private funding.

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The perfect solutions for your investment

Hard Money Fix and Flip Loans 

At King James Lending, we are focused on designing loans for real estate investors that are simple, easy to understand, and profitable!

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Flexible Fix and Flip Loans Built for Investors

From first-time flippers to seasoned pros, our loans make it easy to buy, renovate, and resell distressed properties—fast.

 

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Purchase, Repair & Flip

Buy distressed properties, renovate them quickly, and resell for a profit. Fix-and-flip loans give you the capital to act fast and increase property value through targeted repairs.

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Fast Purchase & Resell

These loans close in as little as 2–7 days—perfect for seizing time-sensitive deals like foreclosures or underpriced listings.

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Rehab Properties You Already Own

Unlock funding to repair and resell properties you already hold. A fix-and-flip refinance helps increase your return without starting from scratch.

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Asset-Based Financing

Fix-and-flip loans are short-term, interest-only loans based on the property's value—not your credit score. That means quicker approvals and fewer roadblocks.

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Where Royalty Meets Reliability

Frequently Asked Questions

What is a fix & flip loan?

A short-term loan designed to help investors buy, renovate, and resell properties for a profit.

How is it different from a traditional mortgage?

These loans are short-term and based on the property's after-repair value (ARV), not your personal income.

Who can benefit?

Investors looking to buy distressed or undervalued properties, renovate them quickly, and sell for a return.

How fast can I get funded?

As fast as 2–7 days, so you can act on deals before the competition.

How much can I borrow?

Based on purchase price, renovation costs, and ARV. Each project is evaluated to maximize leverage, with a maximum of 70% LTV.

Do I need good credit?

Not necessarily. The property and deal strength matter most.

What are typical terms?

Usually 6–12 months, with interest-only payments and a balloon payment at the end.

Do I need a renovation plan?

Yes — a detailed scope of work with budget and timeline is required.

What are the costs?

Interest, points (origination fees), closing costs, and possible appraisal or inspection fees. We provide transparent fee breakdowns upfront.

How do I get started?

Contact us to review your project. We’ll handle the process so you can focus on the renovation.

Customer Testimonials

  • Just closed on a property that we bought with King James Lending. The entire process was smooth, we will for sure be using them for more of our projects.

    Ivan P., First-Time Homebuyer

  • Best hard money in Houston! King James Lending goes above and beyond to get you the right terms and fits your needs with your situation and particular scenarios. Whether rates, or cash to close is your concern, James and his team can make it happen for you! I have worked with this local lender numerous times and are always available to answer any concerns you have. The best part is if you need a quick close this is the Houston hard money lender to go to!

    Orlando G. , First-Time Homebuyer

  • Great guys to work with. Great experience! Give them a try. You won't be disappointed!

    Creg T., First-Time Homebuyer

  • I am beyond grateful for meeting James. He took the time to meet with me and give me tons of information about the hard money lending process. I can confidently say I am now more comfortable with the process thanks to James. I look forward to working with him and his team!

    Marisa G. , First-Time Homebuyer

Get your funding fast so you can secure deals quickly and stay ahead of the competition.

The Benefits of Fix and Flip Loans

Competitive Rates

Maximize your profits with lower costs, keeping more money in your pocket on every deal.

Experienced Support Team

Work with loan officers who are actual investors themselves, so you get expert guidance from people who truly understand your business.

Perfect for Entry or Pro-Level Flippers

Whether it’s your first flip or your fiftieth, our flexible solutions help you move fast and scale your business confidently.

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Ready To Fund Your Next Investment?

Our team is here to help.

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About King James

At King James Lending, we genuinely want to be an essential part of your team. We look forward to being an invaluable asset and a trustworthy partner for all your lending needs. See why we are the hard money lenders Houston investors trust.

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