Hard Money Lending

Made Fast & Easy

Accelerate your future in real estate

with Catalyst Funding

real estate investor on phone

Hard Money Lending Made Fast & Easy

Accelerate your future in real estate with Catalyst Funding

Welcome to Catalyst Funding, Hard Money Lenders in Houston TX

Catalyst Funding is a reputable hard money lender in Houston, TX, offering hard money loans for real estate investment. Our company has been directly involved in over 500 Houston remodeling projects, allowing us to help you avoid problems and maximize profits. We are a real estate investor lending company founded by real estate investors. Our competitive hard money loan products & services, including fix & flip loans,rental property loans, handyman special loans, landlord loans, rental property loans, and portfolio loans make us your one-stop-shop for all your Houston real estate investment needs. Apply online, or call (832) 648-3626 for a free one-on-one consultation.

Comprehensive Hard Money & Permanent Financing Solutions

  • Quick pre-approvals in 24 – 48 hours
  • Widest range of products in Houston
  • Outstanding reviews from our customers
  • Face to face one-on-one consultation
  • Up to 100% financing

Accelerate Your Future in Real Estate Investment

Whether you are a seasoned investor or brand new, let Catalyst Funding help you accelerate your future in real estate. Our team of hard money financing experts want to be a part of your success. Discover why we are one of the best hard money lending companies in Houston, TX. Call (832) 648-3626 today to speak with an associate.

Hard Money/Acquisition Loans

best lenders for fix and flip

  • Rates as low as 9.99%
  • Points range from 2–5%
  • Special Products & Pricing Available - Call for Details
  • Close in 7 to 10 days
  • Borrow up to 75% LTV
  • Company founded by real estate investors with 55 years of lending experience & over 500 transactions
  • Quick pre-approvals in 24–48 hours
  • Outstanding reviews from our customers
  • Submissions can be done on mobile device or desktop in minutes
  • Up to 100% financing

Long Term Loans

best lenders for rental property loans

  • Seasoned team focused on the unique needs of buy-and-hold investors
  • Ability to finance several properties at once
  • Competitive rates and terms
  • Portfolio products for self-employed borrowers and other unique situations
  • Fannie direct lender — most inclusive guidelines available
  • Refinance hard money loan using appraised rent rate PRIOR to property leasing
  • Experienced panel of appraisers specializing in investment properties
  • Greatly reduced appraiser risk — ask for details

Special Products & Pricing Available

Ask About Our Special Products & Pricing for Well-Qualified Borrowers

1. Competitive Pricing

  • Rates range from 9.99% – 13.99%
  • Points range from 2–5%
  • Special Products & Pricing Available - Call for Details
  • Improved pricing for long-term relationships

2. Flexible Terms

  • Borrow up to 75% LTV
  • Special pricing for first flip*
  • 6-month term with option of up to 12 months
  • Everything from large rehab to no rehab
  • No pre-payment penalty. Greatly reduced appraisal risk. Ask for details
  • Our team makes all hard money loan decisions
  • No delays, inconsistency or unnecessary documents because of loan committees

3. Project Estimate Calculator

  • Instantly calculate your monthly payment and how much cash will be needed at closing
  • All you need is the ARV, purchase price and rehab budget estimate
  • Move forward with confidence, make quick decisions on the spot and lock up great deals fast!
  • No more guessing

4. Customer Service

  • Most closings within 7-10 days of signed contract and borrower documentation submission
  • Catalyst team member reviews scope of work and visits property on all draws
  • Clear expectations, prompt communication and follow-through on our commitments
  • Teamwork and integration between hard money and refinance teams

5. Experienced Support

  • 55 years of lending experience
  • We are a hard money lender built by investors completing over 500 transactions
  • Use that experience to help you avoid issues and make profitable decisions
  • In almost all instances, a Catalyst Team member reviews the project and provides advice at key points

6. Technology Advantage

  • All customer data is encrypted and housed in a SSAE16 based SOC or higher certified data center to ensure maximum protection
  • Submissions can be done online, on mobile device or desktop in minutes
  • State-of-the-art website and social media presence
  • Investor-focused content and articles
  • Detailed monthly statements

Professional, Responsive, and Knowledgeable Team Members

Experience tells us that house flippers are most successful when they can focus 100% on planning and executing the rehab with their contractors. To make this possible, our team continually goes above and beyond when it comes to being timely, responsive, and above all, professional.

Big Picture Planning & Small Detail Execution

We provide much more than just a hard money financing in Houston, TX. Our team members are happy to help you identify your short and long term financial goals, the steps needed to get you there, and how to get the most out of your real estate rehab investment properties.

Committed To Your Financial Success

When it comes to real estate investment loans, Catalyst Funding is committed to seeing all our borrowers succeed. From our initial conversation to the final close-out, we are here to help. Whether you are unsure about choosing a general contractor, anxious about how to complete paperwork, or how to best prepare for an inspection, we are proud to be an expert resource for all our clients.

Houston Hard Money Lenders with a Track Record of Success

Our tight knit team prides itself on being one of the best hard money lending companies in Houston for many reasons. These are the top three we continually hear from our past borrowers:

Fast Access Fix & Flip Lending

Our company specializes in after repair value (ARV) loans for real estate rehab. Whether this your first rehab or your tenth, our team is ready to guide and support you from the moment we first shake your hand until that final closing check is delivered to your bank.

Professional, Responsive, and Knowledgeable Team Members

Experience tells us that house flippers are most successful when they can focus 100% on planning and executing the rehab with their contractors. To make this possible, our team continually goes above and beyond when it comes to being timely, responsive, and above all, professional.

Big Picture Planning & Small Detail Execution

We provide much more than just a hard money financing in Houston, TX. Our team members are happy to help you identify your short and long term financial goals, the steps needed to get you there, and how to get the most out of your real estate rehab investment properties.

"This is my second transaction with "my team" at Catalyst Funding. The first transaction was flawless and smooth. This second deal has proven even better. I'm impressed with their customer service. They always answer their phones, emails and even text messages. My requests for information and simple questions are handled with care, concern and professionalism at all times. Give em a try and soon you too will be a satisfied client of Catalyst Funding."

R.H.

"Catalyst Funding was amazing to work with. The team executed fast and communicated clearly throughout the whole process. I will definitely use them on future deals."

Kenneth & Linda M.

“My experience with Catalyst Funding was superb! From the moment I acquired my property to closing was a smooth transaction. The Title company they work with are extremely knowledgeable for closings with investors and I was kept in the loop every step of the way. I would highly recommend Catalyst and look forward to working with them again in the near future!”

Connie G.

"Jeff did an outstanding job dealing with our demands and requests for our Hard Money Loan. We appreciate Jeff and the team at Catalyst with meeting our needs with a large loan, with no hassle, and great customer service. Thanks again for taking care of our loan needs. Great job and we highly recommend you to give them a chance!"

Wayne H.

"We recently used Catalyst Funding as our Hard Money Lender for a rehab project. The overall experience was excellent. They were willing to sit down and discuss not only this project, but our long term investing goals. Their lending application process was relatively easy, they provided all relevant information regarding the loan and fees, the loan was provided in a timely manner, and the repair draw process was also easy. We have used other lenders before which had hidden expenses and made repair draws difficult, but working with Catalyst demonstrated they are a superior lender. Look forward to working with them again."

Tim D.

What is a Hard Money Lender for Real Estate?

Hard money lenders for real estate rehab provide a specific type of asset-based loan financing to purchase and resell less-than-perfect real estate. Unlike conventional lenders, such as banks or credit unions, credit worthiness and documentation requirements are greatly reduced, as the funds are secured by real property. Hard money finance loans are generally issues by private companies or investors. Moreover, fix-and-flip lenders, as they are also known, are often able to approve loans in as little as 7-14 days. This is a significant improvement over the 4-6 weeks it takes to close a traditional real estate loan or mortgage.

Resources to Help You Win With Real Estate Investor Loans

Helping our clients win big with real estate investor loans is what we do best. It’s not just about how we treat our clients, it’s about making sure they have access to the latest tools, tips and strategies. Whether you are a seasoned veteran or still planning to flip your first house, we are here to serve you. Please check out our free real estate investment resources below to learn more.

Free Hard Money Resources

Hard Money Lenders for Real Estate Investment

Get Pre-Approved with Catalyst Funding Hard Money Financing

As one Houston’s best hard money portfolio lenders, we provide both short and long-term funding solutions for real estate investment. This includes rental property loans, portfolio loans, landlord loans, handyman special financing, and after-repair-value (ARV) loans for single-family residences, 2-4 unit properties, townhomes, and condos.

Our after repair value loans for real estate rehab are perfect for fix and flip, foreclosed homes, trustee sales, auctioned real estate, permit or inspection issues, as well as outdated, neglected, vandalized, or abandoned properties, including real estate properties with significant fire, water, or flood damage.

Call us today at (832) 648-3626 to find out if Catalyst Funding is the right Houston hard money lender for you. Request a free consultation with the hard money pros at Catalyst Funding.

Hard Money Loans with Catalyst Funding

Catalyst Funding is a hard money lender for real estate investors. We provide short-term funding for single-family residences, 2-4 unit residences, townhomes and condos in a variety of situations, including fix and flip, foreclosures, trustee sales, auctioned properties, outdated properties, neglected properties, permit issues, home inspection issues, vandalized properties, abandoned properties, fire and water damage.

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What Customers Say About Catalyst Funding

Reputable Hard Money Lenders in Houston TX | Catalyst Funding LLC