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Hard Money Loans
Tailored to Your Needs

Looking for the best hard money lender in Houston, TX? You’ve come to the right place. Zeus Hard Money is the fastest hard money lender in Houston. We make applying for residential hard money loans quick and easy. Simply fill out our 3-minute loan pre-approval form and a hard money loan officer will contact you with the next steps. You won’t find a faster, easier, or better hard money lender anywhere in Texas.

Best of all, there are no strings attached! Zeus Hard Money replies to every hard money loan application, and potential borrowers are under no obligation to accept our terms. Whether you’re seeking a hard money personal loan for a primary residence, an investment property, or a fix-and- flip opportunity, we are ready to lend you cold, hard cash today. Zeus Hard Money’s lending experts are standing by to answer any questions you may have about the loan process before you borrow. Unlike other lenders, we appreciate that timing matters. That’s why we process every hard money loan faster than the competition without sacrificing the customer service that borrowers in Houston, TX, have come to expect. If you need a fast hard-money loan, Zeus Hard Money is here to help.

Borrow Hard Money Now

Why Borrowers Use
Zeus Hard Money?

Many times, a great real estate deal doesn’t fit into the tiny little boxes on a conventional loan form. At Zeus Hard Money, our objective is to fully understand the circumstances and situation when approving hard cash loans, including the borrower’s requirements, the real estate asset, the exit strategy, and more. Armed with all the facts, we tailor solutions that address the needs of each specific situation. This personalized level of service is what makes Zeus Hard Money the best hard money lender in Houston, TX.

Here are a few instances when Zeus Hard Money is the best financial choice.

Non-Traditional Borrowers Borrowers who have non-traditional income, non-traditional assets, or non-traditional credit are often limited in their financing options.
Non-Traditional Properties A property that needs flooring, HVAC, or appliances will not qualify for traditional financing. Properties that require renovations for the optimal resale value don’t qualify for traditional financing either.
Time Sensitive Closings Distressed sales and purchases, and time sensitive and contingency closings are common in real estate. These scenarios require quick closings but the average turnaround time for a traditional closing is 45 calendar days (depending on the market area).
Unique Circumstances Traditional "inside-the-box" lending leaves no room for the story behind the circumstances. These stories can unveil fact patterns of liquidity, collateral, and opportunity. Imagine the single mother with poor credit and no income, who is actually a widow of a slain police officer simply waiting for her new pension and life insurance proceeds. Or, the retired executive with no reportable or taxable income, but large assets and a perfect credit profile.

Is Almost As Important As Getting The Right Property.

If you’re an investor interested in renting, rehabbing, or flipping, one of the most important things you have to consider is where you get your money. Why? Because without your ability to close on time or with the right terms, you are destined to fail. You don’t want to be an investor statistic! Let Zeus Hard Money provide you with the same loan resources available to the most seasoned investors in Houston, Texas, and beyond.

If you need 100% financing or money to rehab your investment properties while getting the lowest payment to maximize cash flow, then apply now or call us. The next move is up to you. We can’t help you if we don’t hear from you!

fast closing hard money loans icon

Zeus Hard Money
Is Fast, Flexible, & Reliable

Many times, a great real estate deal doesn’t fit into the tidy little boxes on a conventional home-loan form. You do have other choices. Hard Money loans are flexible and customized for your particular circumstance. Here are five examples of times when Zeus Hard Money is a valuable financial tool:

  • The property doesn’t qualify for conventional financing? - No problem!
  • Income, assets, or credit don’t fall into traditional guidelines? - We like to say yes!
  • Need a really fast closing? - We can close a loan in as little as 72 hours!
  • Want to hold on to more of your cash for additional investing? - Little or no money may be needed at closing!
  • Need a down payment on a purchase but are waiting on a sale to be able to close? - We can help you bridge the gap!


There are many times when a conventional real estate lender is not the optimal choice for your home loan.
When that’s the case, Zeus Hard Money is there for you.

Close In 4 Days
Minimal Paperwork
Interest Rates Starting at 8.875%
No-Prepayment Penalty
Unlimited Loan Extensions
No Hidden Fees
Primary Resident Financing


  • Customized rates and fees available
  • Roll the costs and fees into your loan
  • Borrow up to 75% of the improved value (ARV)
  • Primary residence and investment properties


  • 6–60 month terms with interest-only payments
  • Performing loans can be extended for a longer term
  • Loans available from $2,500–$2,500,000
  • Full renovation/rehab budget included
  • Low or no-down-payment options available

Who We Are

Zeus Hard Money is the only hard money lender in the United States specializing in bridge loans for homebuyers who desire custom-tailored loans. These loans address a variety of unique transactions involving property acquisition, refinancing, non-traditional borrowers, non-traditional property type/condition as well as transactions requiring time-sensitive (fast) closings. Unlike private or typical hard money lenders, Zeus Hard Money makes the lending process quick, comfortable, and affordable.


What We Do

Zeus Hard Money provides short-term bridge loans for homebuyers who need speed and reliability in closing their transaction fast. Our bridge loans provide homebuyers with an easy submission process, fast underwriting, and quick closings, and are designed for homebuyers with special circumstances and special needs. We can fund a bridge loan in as little as four days. We are a direct lender with our own funding, so our funding decisions are not based on big bank bureaucracy.


About Zeus Hard Money

Zeus Hard Money is the fastest lender in the United States. Founded in 2004 and funded proportionately by institutional and private investors, Zeus Hard Money specializes in short-term, event-driven or project-driven residential lending throughout Houston, Dallas, Fort Worth, Austin, San Antonio, and select other regions throughout the United States.

Zeus Hard Money has an exceptional reputation for funding short-term, untraditional, or asset-based real estate transactions. An alternative to traditional bank lending, traditional hard money, or private money, Zeus Hard Money specializes in bridge loans and other private lending opportunities up to $2.5 million in size, secured by first and second lien interests in residential and commercial real estate.

The Zeus Hard Money non-bank lending platform allows for flexibility to structure custom-tailored loans, which address a variety of unique transactions involving property acquisition, refinancing, discounted home buying, rehab/renovation projects, transitional properties, non-traditional borrowers, fix-and-flip projects, fix-and-hold projects, transactional financing, gap financing, and transactions requiring time-sensitive (fast) closings.



We have an exceptional reputation for turning problems into opportunities. We specialize in funding short-term, non-traditional, or asset-based real estate projects.

Quick Closing
Non-Traditional Borrowers
Foreclosure I Trustee Sales
Abandoned Properties
Fix & Flip Real Estate Projects
Distressed Properties
Auctioned Properties
Fire or Water Damage
Fix & Hold Real Estate Projects
Transactional I Gap Financing
Probate Properties Needing Repairs
Any Opportunistic Acquisitions
Neglected Properties
Permit Issues
Home Inspection Issue
Vandalized Properties

I Want To Borrow Money

There are several reasons why borrowers choose a hard money lender versus a private money lender or bank. Every borrower and every property is different. Zeus Hard Money does not utilize a one-size fits all approach, but we do remain steadfast to proven underwriting and collateral standards. Our guiding principle is to carefully balance opportunity with responsibility.TM

Our objective is to fully understand the circumstances and situation behind every transaction we underwrite, including the borrower’s requirements, the real estate asset, the exit strategy, and more. Armed with all the facts, we work with borrowers to explore tailored solutions, enabling us to structure loans that address the needs of each specific situation. Success comes from our straightforward approach and practical underwriting process combining candid communication and responsive service. The end result? Transactions that are funded quickly and efficiently—and clients that are consistently satisfied.



Zeus Hard Money created a proprietary loan process that is both efficient and diligent in order to quickly and comfortably assist homebuyers
throughout the fast-paced loan process. The following is a step-by-step description of our underwriting and funding process.
Understanding this process will help you stay informed throughout the process.

  • Create an account1
  • Submit your real estate project2
  • Term selection & due diligence3
  • Get funded & get started4
  • Payoff & repeat!5

Better Than
Hard Money

If you’re looking for a real estate lender who specializes in investment properties, you’ve come to the right place. We encourage you to complete our 3-Minute Pre-Approval so that we can collect the information that will help us provide you with the right lending solution.

  • At Zeus Hard Money, we specialize in lending for:
  • Loans requiring fast closings;
  • Loans for investors who rehab, buy and flip, or buy and hold;
  • Loans for properties or borrowers that do not qualify for traditional financing
  • Bridge loans.

We want to ensure that you get the best loan for the lowest possible rate.



-What are Rehab Loans?

Fix and Flip as well as Fix and Hold real estate investors in Houston, Dallas and other major cities look for ugly houses that need repairs. They can use hard money rehab loans to purchase the property and fund the rehab with their new loans.

+What are Fix and Flip Lenders?

Fix and Flip Lenders in Houston, Dallas and other cities provide funding for flippers, wholesalers, rehabbers, and fix and flip real estate investors. A Fix and Flip Lender in Houston will provide the purchase price of the property and the rehab costs to fix up the property all based on the After Repaired Value (ARV) of the home.

+What is Hard Money?

A loan with a hard real estate asset as collateral as well as hard terms is what is known as hard money or a hard money loan. Hard money lending is popular with real estate investors who want to rehab, fix and flip, fix and hold or be a landlord. Is there a difference between Hard Money, Bridge Loans, and Private Money? There are multiple differences between hard money, bridge loans, and private money. The key differences are the terms (interest rate and fees), the flexibility, and the reliability.

+Is Hard Money Reliable?

Most hard money, private money, and bridge lenders are not licensed mortgage loan officers. A real estate investor has very little recourse against an unlicensed loan officer if they do not perform or if they steal a transaction from them by going directly to a seller. Another factor with reliability is getting repair draws in a timely fashion. It is very common for hard money and private money lenders to delay the funding of a draw in order to get more money from the borrower or to get more money themselves so they can afford the draw.

Terms: Hard money, private money, and bridge lenders all charge more than Zeus Hard Money. Zeus Hard Money pricing is very similar to conventional lending in terms of interest rate and fees, but has the flexibility of private money and hard money.

+Purchasing your First Real Estate Investment (rental, flip deal, etc.)

If you’re purchasing your first real estate investment property, then using hard money will provide you the cheapest interest rate and fees with the most reliability. If you’re a first time real estate investor in who is looking to rehab, flip or fix and flip, or be a landlord, it might be best to work with a reputable hard money lender that can help guide you through the process from purchase to rehab to sale.

+Is Hard Money Good for Purchasing My First Real Estate Investment Property?

If you’re purchasing your first real estate investment property, then using hard money will provide you the cheapest interest rate and fees with the most reliability. If you’re a first time real estate investor who is looking to rehab, flip or fix and flip, or be a landlord, it might be best to work with a reputable hard money lender that can help guide you through the process from purchase to rehab to sale.

+Is Zeus Hard Money the Cheapest Hard Money Lender?

Interest rate, prepayment penalty, points, and fees are all places where fees can be high or hidden for a real estate investor looking for the cheapest hard money. As the cheapest Hard Money lender, Zeus Hard Money, offers below market interest rates that are comparable to traditional bank loans and fees that are based on traditional factors such as credit score, cash reserves, and loan to value (LTV)/after repaired value (ARV).

+How Do I Start Flipping Houses?

Being a flipper of houses as a real estate investor can be very profitable. Starting as a beginner has special challenges and beginner fix and flip, rehabbers, or flippers use the following tips to help guide them into a successfully closed and profitable transaction.
• Do you homework, learn the basics, but don’t make a paralyzing career out of analysis.
• Don’t allow good deals to get snapped up while you’re hunting for that perfect deal that’s “right around the corner.”
• Assemble a team of experts you can trust: realtors, contractors, and a lender who specializes in real estate investment lending. They can help you avoid pitfalls so you can spend less time worrying, and more time doing.
• When you need flexible, reliable, financing FAST, trust Zeus Hard Money to deliver.

+How and When Can I Use Hard Money Loans?

How and when to use hard money or private money lending for your real estate investment is based on five main factors.
• Time-Sensitive Closing requirements… we can close in 4 days! – You never have to lose a deal again because you ran out of time!
• You have Non-Traditional Qualifications like non-traditional income, credit, or assets – We can approve any borrower!
• You have a Non-Traditional Property that will not qualify for traditional financing – If they don’t like your property then we do!
• You need a Bridge Loan for the down payment on a purchase while waiting on a sale to close – Contingency sales are too stressful!
• You want to Keep More Cash…Buyers can bring little or no money to closing!

+What is Crowdfunding for Real Estate Investors?

Crowdfunding for real estate investors is a fast growing segment of financing. Similar to peer-to-peer lending and private lending, crowdfunding for new and experienced real estate investors offers a non-traditional financing option for rehabbers, fix and flip and buy and hold investors, including landlords. The benefits of crowdfunding for real estate investors include:
• Bypassing the banks – Real Estate Investors can who want to finance their rehab, fix and hold, or fix and flip projects can get financing from a pool of investors eager to invest without all the hassle.
• Forget searching for private lenders – they’re all waiting here for new projects to invest in.
• Non-traditional properties and non-traditional lenders qualify
• Technology and data-driven processes increase efficiency and gets your projects funded fast!

+Do You Offer Hard Money Loans for Real Estate Wholesalers?

Hard money loans are available for real estate wholesalers. Wholesalers often use hard money loans to fund their own deals. Also, real estate wholesalers will investigate hard money, bridge loans, and fix and flip loans because they want to give options to their buyers. Wholesalers typically assign or sell the property contract to a buyer who either pays cash or borrows money from a hard money lender.

+Do Hard Money Loans Require a Down Payment?

Hard money lenders offer loans to real estate investors that require zero or no money down. Obtaining a zero money down or no money down hard money loan is not as difficult as it sounds. Many real estate investors think finding a zero money down hard money loans is like finding a unicorn. A fix and flip investor or rehabber or even a buy and hold real estate investor can purchase properties using hard money loans and put absolutely no money down. They can purchase a property with no money down and then sell it for an infinite cash-on-cash rate of return. If they are a buy and hold investor or landlord then real estate investor can use a zero money down hard money loan to purchase a property, complete a rehab, and then convert it to a long term low interest rate loan with no money out of their pocket.

Still Have Questions?