Smart Families Trust Zeus™
Zeus Lending is the private money lending company in Texas providing personal attention for every kind of property, from starter homes to million-dollar estates. The Zeus Lending team is the best loan company in Texas, offering conventional loans, hard money loans, and crowdfunding investments in San Antonio.
Private Money Lenders San Antonio
If you live in San Antonio and need a loan, Zeus Lending, private money lender, is here to help. We make it as easy as possible with our Super-Simple Application™, which takes less than three minutes from start to finish! Once completed, one of our knowledgeable Loan Specialists will contact you soon afterward, so let them know what type or value property best suits your needs. We aim for 100% customer satisfaction.
Hard Money Lenders in San Antonio, Texas
If you are looking for hard money loans in San Antonio, look no further than Zeus Lending. We have over 20 years of experience and can get your next real estate project started quickly without worrying about credit or putting down large amounts upfront!
What are Hard Money Loans?
Hard money loans are often used to finance the purchase or refinance of real estate. It will use your property as collateral, which gives you access to more funds than what’s available through a traditional lending institution. Investors typically use these loans to purchase, renovate, or refinance distressed properties. Because these loans are backed by collateral, they are often easier to obtain than traditional bank financing. However, it typically have higher interest rates and shorter terms than conventional loans. As a result, it is best suited for short-term investments. By providing quick and easy access to capital, hard money loans in San Antonio can help investors take advantage of opportunities that might otherwise be out of reach.
How Can Hard Money Help?
Hard money loans can be a great option for people who need quick approval and don’t want to spend too much time filling out paperwork to get approved faster. This is because we are primarily concerned with the property’s value being used as collateral rather than the borrower’s credit score. This makes these loans an ideal option for borrowers looking to take advantage of a purchase opportunity that might disappear if they had to wait for traditional bank financing.
Other San Antonio Investment Property Loans
Conventional Mortgages
Conventional mortgages are the most standard type of mortgage loan. These loans are not backed by the government and can finance a primary residence, second home, or investment property. Conventional mortgages typically have fixed interest rates and terms of 15, 20, or 30 years. However, compared to other types of loans, conventional mortgages often offer lower interest rates and more flexible repayment terms. As a result, they are a popular choice for many borrowers.
Mortgage Refinancing
Mortgage refinancing replaces an existing mortgage with a new loan, usually with different terms. The most common reason for refinancing is to lower the interest rate, which can save you money over the life of the loan.
Buy & Rehab Loans
Rehab loans are a type of loan used to finance the purchase and renovation of a property. Rehab loans are an attractive option for investors looking to purchase a fixer-upper.
Real Estate Crowdfunding
Real estate crowdfunding loan allows investors to pool their money to fund a property purchase or development project. Real estate crowdfunding has become a popular way for investors to get involved in the real estate market without incurring a large debt.
Commercial Real Estate Loans
Commercial real estate loans are a type of loan used to finance the purchase of a commercial property. Whether you’re looking to purchase a new office space, build a factory, or buy an existing commercial property, a commercial loan can provide the capital you need.
Documents Needed For All Loans:
- A copy of your current Drivers License and Social Security Card
- Most recent 30 days worth of pay stubs
- Most recent 60 days worth of bank statements. (If using retirement funds, please provide terms and conditions of withdrawal)
- Most recent 2 years W-2’s (please provide signed and dated Year-To-Date Profit and Loss statements if self-employed)
- Most recent 2 years IRS tax returns (both personal and business, all pages, all schedules please)
Funding Guidelines
- 6-60 Months based on qualifications & project
- Up to 80% ARV (After Repair Value)
- Funding Amounts$2,500 – $5,000,000
- Pre-Payment Penalty: None
- Lien Position: 1st
- Time to Funding: 5-10 Business Days (Standard)
- Fast Track Funding: As Few As 4 Days
Funding Use
Purchase | Refinance | Renovation | Bridge
The areas we serve near San Antonio include:
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Flexible Loan Programs for Texas Real Estate
Every investment is different, so we tailor our loan products to meet a variety of scenarios. Our fix-and-flip loans are ideal for residential rehabs and offer funding for both purchase and renovation costs. For short-term needs, our bridge loans help investors close quickly while waiting for long-term financing or a property sale. If you’re purchasing land for development or need capital for a construction project, we also offer land and construction loans with competitive terms. We lend on a range of property types and are open to deals others might not consider, especially if the numbers make sense.
Simple, Straightforward Lending Process
We’ve designed our process to be fast and easy from start to finish. Start by contacting us or submitting a short form with your property details. Within a day or two, we’ll review the deal, assess the property, and present loan terms if it’s a fit. After a quick property inspection or appraisal, we work with a title company to close and wire funds, typically within 5 to 10 business days. There are no confusing steps or hidden fees. Just a clear, professional process that respects your time and keeps your deal moving forward.
Who We Work With
We lend to real estate investors, developers, landlords, and builders across Texas. Many of our clients are house flippers and buy-and-hold investors looking to expand their portfolios. Others are commercial property buyers, land developers, or contractors who require rapid access to capital to keep their projects on schedule. Whether you’re flipping your first property or building a multi-unit investment portfolio, we’re here to help you succeed.
Frequently Asked Questions
Is Hard Money a Good Option for My First Investment Property?
Yes! Hard money loans can be a great way to finance your first real estate investment—especially if you’re planning to flip, rehab, or rent the property. Since the loan is based on the property’s value rather than your credit score or financial history, it’s often faster and easier to qualify for than traditional financing. Plus, when you work with an experienced hard money lender, you’ll have someone who can walk you through the process from purchase to renovation to resale or refinance.
When Should I Use a Hard Money Loan?
Hard money loans are ideal for investment situations where traditional lenders fall short. Here are a few common scenarios:
- Tight closing timeline: Need to close in just a few days? We can fund in as little as four business days—perfect for time-sensitive deals.
- Non-traditional income or credit: If you’re self-employed or have complex financial circumstances, we assess the property, not just your paperwork.
- Unique or distressed properties: We’ll finance properties that banks won’t touch, including fixers and non-owner-occupied homes.
- Bridge Loans Between Purchases: Buying a New Property Before Your Current One Sells? A short-term loan can fill the gap without stress.
- Preserving your cash: In some cases, you can close with little or no money down, keeping more of your capital in your pocket.
Can Real Estate Wholesalers Use Hard Money Loans?
Absolutely. Many wholesalers use hard money loans to fund deals themselves or to assist their buyers in securing quick financing. Whether you’re assigning contracts or closing on properties before reselling, having a trusted hard money lender in your corner can help you move faster and offer more value to your end buyers. We also work with wholesalers to pre-approve buyers or provide fast proof-of-funds letters when needed.