For Real Estate

Looking For A
Hard Money Lender?

Competitive Loan Rates!

  • 12.99% Loan Rate
  • Minimum Loan $75k
  • 99% Of Our Loans Get Funded At Closing
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Why Choose Larry The Lender?

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Family Owned

Larry The Lender is a family-owned business spearheaded by cousins Larry and Mike. With over 50 years of combined experience in hard money lending, we’ve built a strong reputation as a direct and private hard money lender.

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Fast Closings

Providing you the ability to close quickly can help you to secure your deals in a competitive market. Furnish us with the necessary title-work and other documents, and we’ll have you set to close in as little as a day or two.
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Direct Lender

Bypassing brokers, we stand true to our role by lending from our personal reserves or our dedicated lines of credit, ensuring a smooth lending experience for our borrowers.
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In-House Approval Process

Every loan decision is made in-house, not sent for outside approval.
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Realistic Valuations

We prioritize comparable sales conducting our own market comparisons to set our valuations. Usually this saves you the cost of a traditional appraisal.
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Terms Don’t Change

When working with us, expect in-house approval, quick closing, low closing costs, and advertised terms. Our terms are exactly what you see on our website.

What our Customers Say

About Our Loan Practices

Many consider Larry the Lender to be the top hard money commercial real estate loan provider in Texas. That’s because our loans are highly accessible — you don’t have to go through the long, arduous process of applying for a traditional loan with the bank or credit union.

Instead of forcing you to fill out mountains of paperwork while we analyze your credit history, our team will assess the value of your property and use it as collateral. We handle all approvals in house and use our own money to finance the loans, which moves the process along seamlessly.

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As trusted, top hard money lenders for commercial real estate lenders in Texas, we also provide loans that feature:

  • Competitive interest rates when compared to similar products
  • No surprise or hidden fees
  • Transparent lending practices
  • Minimal fees
  • No surprise or hidden fees
The team at Larry the Lender has been in this business for over a decade and we have a passion for serving as a resource for our clients. We invite you to learn more about our financial products and how they can help you in your efforts.

See why so many consider our loans to be the top hard money commercial real estate investment in texas. Contact us for a free, no-obligation consultation.

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Use almost none of your money

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Larry the lender will provide loans

Your Direct Hard Money Lender

At Larry the Lender, we work with different types of real estate investors, helping each of them to achieve their individual goals by meeting their financing needs.

In the competitive world of real estate, not every investor has immediate access to enough capital to take advantage of the amazing real estate opportunities you find. That’s where Larry the Lender steps in. As one of the best hard money lenders, we offer solutions that let you access the capital to make those opportunities happen. We specialize in:

  • Residential Fix and Flip Loans
  • Commercial Property Acquisition Loans
  • Cash-Out Loans for Income Producing Rental Properties
  • Cash-Out Loans for Commercial Properties
  • Refinance of Existing Investment Loans
  • Cross Collateralization of Investment Properties for Purchase or Cash-Out Purposes
Unfortunately, Larry the Lender does not provide loans for properties that serve as your primary residence, which is important to note before applying.
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Commercial Hard Money Loans

As a top-notch commercial hard money lender, Larry The Lender provides clear-cut loan solutions with our own funds. Ranging from $75,000 to $5 million, we cater to various commercial real estate investments, primarily serving the Houston and Austin Metro areas. You’re only one click away from the easiest closing experience you’ll ever have.

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Residential Hard Money Loans

In search of a residential hard money loan? You’re in the right place! At Larry The Lender, we’ve spent over 50 years perfecting our lending approach, offering simple and quick solutions. We establish our own values and do our own comps, ensuring a smooth process for your dream investment property or refinance. Don’t wait, apply today.

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Fix and Flip Loans

Larry The Lender supports ambitious fix and flip investors with attractive loan programs. With our in-house property evaluations and constant terms, you can trust us to finance your next fix and flip venture with no hidden fees or surprises. Let us help you turn that property into profit!

Hard Money Lender Houston & Austin

Hard Money Loans in Houston And Austin, TX

Larry the Lender is a short-term, hard money loan (or bridge loan) provider, serving Houston, Austin, and surrounding areas. We specialize in asset-based lending, particularly to real estate investors who purchase properties to fix and sell, or acquire for long term rental income. We also do refinance and cash-out transactions on your existing investment properties. We are able to close loans quickly and easily, often within a day or two of approval. The private money lending process is fast and easy because we make all loan decisions in-house.

So if you need a hard money lender for real estate, call Larry the Lender today!

Call Now To Speak With A Hard Money Lender 713-662-9000

You won’t find a better commercial and residential hard money lender in Houston or Austin, Tx!

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No Upfront or Hidden Fees

We maintain Transparency so you don’t need to pay any upfront or hidden fees.
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No Prepayment Penalties

We have secure finance procedure so you will get your loan without any payment penalties.
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No Surprise Costs

We believe in long term relationship with loan seekers so they will not get any surprise costs.

Loan Overview

Loan Programs Type Commercial Loans Residential Loans Land / Lots Loans Fix / Flip Loans
Do We Offer Them? Yes Yes Yes Yes
LTV 70-80% 70-80% 0-50% 70-80%
Minimum Loan Amount $75,000 $75,000 $75,000 $75,000
Maximum Loan Amount $5,000,000 $5,000,000 $5,000,000 $5,000,000
Loan Term Offered 6 or 12 months 6 or 12 months 6 or 12 months 6 or 12 months
Interest Rate Offered 12.99% 12.99% 12.99% 12.99%
Points Charged 2 or 3 based on term 2 or 3 based on term 2 or 3 based on term 2 or 3 based on term
Pre-payment Penalty No No No No
Insurance Requirements Property, Windstorm Property, Windstorm N/A Property, Windstorm
Flood Insurance Requirements For Floodzone Properties For Floodzone Properties N/A For Floodzone Properties
Lending Area Texas Only Texas Only Texas Only Texas Only
Special Requirements Phase 1 - Loans > $1 million N/A Possible Survey N/A
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Bridge Loans

A bridge loan is a short-term financing solution that helps individuals or companies secure funds until they obtain permanent financing or fulfill an existing obligation. This type of loan is often used to bridge the gap when purchasing a new property before selling an existing one.

With a bridge loan, you can leverage the equity from a current commercial or investment property to make an offer on a new property, without feeling rushed to sell. You can also use a bridge loan to take advantage of a purchase opportunity, while working to secure long term financing.

It is a flexible solution that can meet immediate cash flow needs, particularly in real estate transactions where buyers may lack sufficient funds to finance the purchase outright.

Commercial Hard Money Loans

Commercial hard money loans are a type of asset-based loan financing through which a borrower receives funds secured by the value of a parcel of real estate. These loans are typically issued by private investors or companies.

Unlike traditional lenders, hard money lenders focus more on the collateral for the loan rather than the borrower’s ability to repay based on their income or credit history. This type of loan is ideal for businesses looking for quick financing to seize an opportunity or overcome a short-term financial hurdle.

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Residential Hard Money Loans

Residential hard money loans, similar to their commercial counterparts, are short-term, high-interest loans that are typically used for real estate investments. The loan is secured by the property in question and is often used by investors who plan to buy, fix up, and sell a property.

Residential hard money loans provide fast access to capital, bypassing the lengthy approval process and strict requirements of conventional lenders.

Fix And Flip Loans

Fix and flip loans are designed for real estate investors who want to purchase a property, renovate it, and sell it for a profit. These loans cover the purchase price of the property as well as renovation costs.

They are short-term loans that allow investors to tap into funding to remodel and improve their properties, increasing the potential for profit when sold.

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Asset Based Lending

Asset-based lending refers to a loan given to a company based on the value of its assets. These assets could include accounts receivable, inventory, equipment, or other property owned by the company.

Asset-based loans are often used by businesses needing working capital, refinancing, debt consolidation, or financing for mergers and acquisitions.

Commercial Property Loans

Commercial property loans are used to purchase or refinance commercial property. These loans are typically secured by liens on commercial, rather than residential, property.

Commercial property loans can be used for various types of commercial properties, including office buildings, shopping centers, industrial warehouses, or apartment complexes.

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Larry The Lender Hard Money Loans Faq

Who are Larry and Mike, the faces behind Larry The Lender, the hard money lender?
Larry and Mike are cousins with a combined real estate lending experience of over 50 years. They provide direct, reliable hard money loans to real estate investors, making Larry The Lender a trusted name in the industry.
What makes Larry The Lender stand out among other hard money lenders?
Larry The Lender is a direct lender, not a broker. They use their own funds or lines of credit to offer loans, ensuring constant terms without the risk of hidden fees or rate hikes. Plus, their apply today close tomorrow attitude sets them apart from many other lenders.
What types of hard money loans does Larry The Lender offer?
Larry The Lender offers various hard money loan programs to cater to a broad range of needs. These include purchase and refinance (rate and term, and cash-out) Commercial Hard Money Loans, Residential Hard Money Loans, and Fix and Flip Loans. All these loans come with a competitive rate of 12.99%.
Who can apply for hard money loans at Larry The Lender?
Anyone purchasing or refinancing an investment property can apply. Larry The Lender is a preferred choice for commercial and investment loans in the Houston, Austin, Dallas, and San Antonio Metro areas. If you’re looking to finance your fix and flip projects, commercial properties, rental units, or multi-family properties, or need to refinance such investments, Larry The Lender is your go-to hard money lender.
How quickly does Larry The Lender, the hard money lender, close a loan?
Known for their swift service, Larry The Lender can close hard money loans within two days once all the required paperwork is in place. Their commitment to a quick and efficient process helps real estate investors kickstart their projects without any unnecessary delays.

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I`ll fly anywhere my #cirrusaircraft can take me to close loans in the state of Texas. #realestateinvesting #hardmoneylender #hardmoney #texas #houston #austin ...

Larry The Lender can help you with all of your real estate investment funding needs. Thanks to the wonderful @jsumberaphotography for the photos! #realestate #texas #houston #texasrealestate #realestateinvesting

Larry The Lender can help you with all of your real estate investment funding needs. Thanks to the wonderful @jsumberaphotography for the photos! #realestate #texas #houston #texasrealestate #realestateinvesting ...

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