About
About Cedar Top
We are a full service private lending company serving Texas real estate investors.
Who we are
Cedar Top Lending
Cedar Top is a Fort Worth team of real estate investors who also lend. We have funded and worked residential, commercial, and land deals across Texas ourselves, which is why we read a loan request the way an investor does.
Cedar Top Lending LLC focuses on Texas investment real estate and non-owner-occupied scenarios.
Why choose us
Our experienced team
Our team has worked Texas real estate since 1998: brokerage, commercial and agricultural banking, licensed agents, and 1031 exchange coordination. When you call, you reach the people who actually work your file.
Simplicity
Our loan process is handled in house. Because we review and underwrite files in house, there are fewer outside handoffs. Every deal is still subject to underwriting, collateral review, title review, documentation, and approval.
Common sense
We are not a traditional lender. We underwrite and review every file without relying on automated systems, which lets us base a loan decision on a variety of real-world factors and variables.
What we do
Texas private money lending
Hard money loans for Texas investment property: fix and flip, new construction, bridge, transactional funding, raw land, and commercial. Asset-based, in-house underwriting on non-owner-occupied property.
1031 exchange support
We act as a qualified intermediary for Texas 1031 exchanges, including delayed, reverse, and construction or improvement exchanges. We do not provide tax or legal advice.
Loan servicing
Third-party loan servicing for owner finance notes, wraparound (wrap) notes, and private lenders, including payment processing, statements, escrow, distributions, and reporting.
Our team
A small Fort Worth team of investors, bankers, and licensed agents. The people who answer the phone are the people who work your file.
- Blaine Covington Co-Founder
- Kody Fain Co-Founder
- Keely Rawson Loan Officer
- Stephanie Shaw Transaction Coordinator
Frequently asked questions
What does Cedar Top Lending do?
Cedar Top Lending is a Fort Worth based private money lender for Texas real estate investors. We provide hard money loans for investment property, act as a qualified intermediary for 1031 exchanges, and provide third-party loan servicing. We focus on business-purpose, non-owner-occupied property in Texas.
What areas does Cedar Top serve?
Texas. Cedar Top is based in Fort Worth and lends across the state, with a focus on North Central and West Texas markets. See our service areas for the cities and counties we cover most.
Does Cedar Top lend on owner-occupied homes?
No. Cedar Top focuses on Texas investment real estate and non-owner-occupied, business-purpose scenarios. We do not lend on primary residences.
How fast can Cedar Top close?
Because we underwrite in-house with no outside underwriting and no third-party appraisals to wait on, we can move quickly, in some cases closing in as little as 24 hours pending title work. Every deal is subject to underwriting, collateral and title review, documentation, and approval.
Does Cedar Top provide tax or legal advice?
No. Cedar Top is not a CPA firm, law firm, or tax advisor. For 1031 exchanges and any tax or legal questions, work with your own CPA, tax attorney, or qualified advisor.