Houston Hard Money
At Action Funding, Inc., we provide fast, reliable hard money loans for real estate investors throughout Houston and the Greater Southeast Texas region. Whether you’re flipping a bungalow in the Heights, building new construction in Katy, or refinancing a quadplex in Eastwood, our private lending programs are designed to help you move quickly in one of the nation’s most active and investor-friendly real estate markets.
Our flexible financing solutions—including fix and flip loans, new construction loans, DSCR loans, and multifamily financing—are built for both first-time and experienced investors. With approvals based on the property—not your tax returns or credit score—we help you focus on closing deals, not fighting paperwork.
Your Trusted Hard Money Lender in Houston
As a Texas-based direct private lender, we serve investors across Houston, Sugar Land, Katy, Cypress, Pearland, Pasadena, and all of Harris, Fort Bend, Montgomery, and Galveston counties. With deep local knowledge and fast, in-house underwriting, we’re the go-to partner for Houston real estate investors ready to scale quickly and close with certainty.
Loan Programs We Offer in Houston
Short-term financing for buying, rehabbing, and reselling residential properties. Ideal for projects in the Heights, Independence Heights, Acres Homes, and East End.
Fast capital for time-sensitive closings or short-term funding. Perfect for auctions or interim financing in areas like Midtown, Bellaire, and Northside.
New Construction Loans Houston
Ground-up financing for single-family homes or small multifamily builds in high-growth neighborhoods like Katy, Spring Branch, and Sunnyside.
Asset-based loans for non-owner-occupied homes, condos, or townhomes. Great for fast closings in areas like Sharpstown, Alief, and Westbury.
Long-term rental loans based on cash flow—not personal income. Ideal for buy-and-hold strategies in Pasadena, Humble, and Missouri City.
Private financing for duplexes, triplexes, fourplexes, and small apartment buildings. Excellent for scaling rental portfolios in areas like Third Ward, Greenspoint, and Baytown.
Why Invest in Houston TX
Houston is the largest real estate market in Texas—and one of the most diverse economies in the U.S., supported by energy, medical, tech, and shipping sectors. With relatively affordable home prices, strong population growth, and rising rents, Houston offers excellent opportunities for both flips and long-term holds.
From infill redevelopment in urban cores to suburban expansion, Houston’s sprawling landscape presents a wide range of investment strategies. Hard money loans allow you to act fast and stand out in a competitive, inventory-constrained market.
Key Investment Neighborhoods
Heights (Houston): High-end flips, walkability, and strong resale value.
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Eastwood / East End: Booming demand and appreciation from redevelopment.
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Katy: Rapid suburban growth and ideal for new construction.
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Third Ward: Strong rental demand near universities and downtown.
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Spring Branch: Central location, infill potential, and rising home values.
Current Real Estate Trends in Houston
Houston continues to see population and job growth that outpaces new housing supply. Investors are targeting older homes in transitioning neighborhoods, infill lots for custom builds, and small multifamily properties in high-demand rental corridors.
Rental demand remains strong—particularly in areas near downtown, the Med Center, and major highways. Hard money lending offers the speed and certainty needed to close on competitive deals before other buyers can act.
Let's Fund Your Next Houston Project
At Action Funding, Inc., we help Houston investors close fast, build smart, and scale confidently. Whether you're flipping homes, acquiring rentals, or launching new construction, our hard money loans offer the speed and flexibility you need. Contact us today to get pre-approved and move forward on your next Houston real estate deal.