Hard money lender in Houston, TX
GPS Capital is a direct hard money and private lender for Houston-area investment real estate. We review acquisition, refinance and rehab scenarios, including commercial assets that need transitional capital. Tell us the property type, the amount you need and how you plan to repay the loan.
Houston hard money and bridge loan terms
Rates 9.99% to 12.99%, 1 to 2 points, loans from $500K to $20M, up to 70% of after-repair value, typically 12-month terms. No minimum credit score. Closes as fast as one week - well-documented deals have funded in 3 to 5 business days.
The Houston market
Houston deals often mix residential and commercial - a retail strip that needs a bridge, a multifamily value-add, a single family flip. We underwrite all of it in-house on the same basis: the property, the numbers and the exit. A qualifying commercial property may also fit our separate cash-flow-based DSCR program.
FAQ
Houston FAQ
Who is a direct hard money lender in Houston?
GPS Capital is a direct private lender, financing investment property nationwide since 2003, including the Houston metro (Houston-Pasadena-The Woodlands, TX). Every loan is underwritten, funded and serviced in-house - no broker, no outside committee.
What are hard money loan rates in Houston?
GPS Capital's rates run 9.99% to 12.99% with 1 to 2 points, on loans from $500K to $20M, up to 70% of after-repair value, typically on 12-month terms. Every deal is priced on its own merits.
How fast can a hard money loan close in Houston?
As fast as one week. Well-documented deals have funded in 3 to 5 business days, and many close without a formal appraisal. Tell us your deadline up front and we will tell you honestly if we can hit it.
When should a Houston commercial owner consider DSCR rather than a bridge loan?
When the property already cash-flows and you want long-term financing, DSCR usually wins on rate and term. When the property needs work, a transition or a fast close, bridge financing fits first - and DSCR can be the takeout later.
Do you work with Houston-area brokers?
Yes. Brokers are welcome and GPS Capital pays broker fees. Send the property address, loan amount and the borrower's goal for a same-day review.
Have a deal? Get a response within 2 hours.
No obligation. If we can’t fund it, we’ll tell you straight.
Or call us now: 718-247-8863 Deals@gpscapllc.com