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Fuel Your
Investment Strategy

Flexible, fast capital tailored to fix & flips, rentals, construction, and more.

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Financing Built for Real Estate Investors

Every deal is different

Our loan programs are designed to meet you where you are and get you where you're going, fast.

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Explore Our Loan Programs

Choose the right funding for your next project. We offer streamlined, asset-based loans across a range of investment

 

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Fix & Flip

Short-term financing to purchase, renovate, and resell properties quickly.

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Rental

Long-term loans based on property income-not personal income.

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Ground-Up Construction

Funds to build new residential or investment properties from the ground up.

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MultiFamily

Flexible financing for 5+ unit residential investment properties.

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Loan Benefits and Features

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Why Investors Choose Our Loans

  • Same-day pre-approvals
  • Closings in as little as 7–10 days
  • Competitive rates with flexible terms
  • Low documentation, streamlined process
  • Funding for single-family, multifamily, and mixed-use
  • Nationwide lending footprint
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Customer Testimonials

  • "Working with King James Lending was an exceptional experience from start to finish. Their team made the mortgage process feel simple and stress-free, taking the time to walk me through every step and answer all my questions with patience and clarity. I truly felt like they had my best interest at heart. Not only did they secure a great rate, but they also closed on time-something that was incredibly important to me. I would recommend them to anyone looking for a trusted lending partner who treats you like family."

    Jessica R, First-Time Homebuyer

  • "Working with King James Lending was an exceptional experience from start to finish. Their team made the mortgage process feel simple and stress-free, taking the time to walk me through every step and answer all my questions with patience and clarity. I truly felt like they had my best interest at heart. Not only did they secure a great rate, but they also closed on time-something that was incredibly important to me. I would recommend them to anyone looking for a trusted lending partner who treats you like family."

    Jessica R, First-Time Homebuyer

The KJL Process & Benefits

Simple. Fast. Investor-Focused.

Connect with our team

Get matched with the right loan for your project.

Same-day pre-approval

Submit a few quick details and get a fast decision.

Streamlined underwriting

We focus on the property and strategy, not red tape.

Close in days

Most deals close in 7–10 business days.

Ongoing support

Need help with draws, new deals, or strategy? We’re here.

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Important Things To Know

Clear answers to common questions about our process, qualifications, and loan options.

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How do I know which loan is right for my deal?

Our lending specialists will guide you through the best-fit option based on your project goals, timeline, and experience.

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Do I need a high credit score?

Not necessarily. We focus on the asset and investment strategy. Credit is considered, but it's not the primary factor.

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How much do I need to put down?

It varies by loan type and experience, but most programs start at 10–20% down.

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Do you fund in my state?

We lend nationwide in most markets—contact us to confirm availability in your area.

Start Your Application Today

Get pre-approved in hours—not days. No commitment required.

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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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