About
About Cedar Top Lending
We are Texas real estate investors who also lend, and we work directly with you from application to closing.
Who We Are
Cedar Top Lending
Cedar Top is a Fort Worth team of real estate investors who also lend. We have bought, flipped, built, and held property across Texas ourselves, so we understand your deal because we have done the same work.
Our Fort Worth hard money loans page covers local investment property financing and the programs available across Tarrant County.
Cedar Top Lending LLC focuses on Texas investment real estate and non-owner-occupied scenarios.
Why Cedar Top
Experienced Team
We have worked in Texas real estate since 1998: brokerage, commercial and agricultural banking, investments, owner finance, loans, lending, developments - we've done it all.
Simplicity
Our team handles your transaction from application to funding. No committee, no outside underwriter, no waiting on a third-party appraisal.
Common Sense
We are not a bank. If the property purchase price and your plan make sense, we can usually find a way to fund your loan. We're creative and that's our specialty!
What We Do
Texas Private Money Lending
Hard money for your Texas investment property: fix and flip, new construction, bridge, transactional funding, land and ranch, and commercial. Non-owner-occupied property only.
1031 Exchange Support
We act as a qualified intermediary for your Texas 1031 exchange, including delayed, reverse, and construction or improvement exchanges. We do not provide tax or legal advice.
Loan Servicing
Third-party loan servicing for your owner finance notes, wraparound (wrap) notes, and private lending, including payment processing, statements, escrow, distributions, and reporting.
Our Team
A small Fort Worth team of investors, bankers, and licensed agents answers the phone, and we're the same people who work your deal.
- 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 your 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?
As little as 24 hours once title is clear. We underwrite your loan in-house, so there is no outside underwriter and no third-party appraisal to wait on, and the clock mostly comes down to title work and how complete your paperwork is.
Does Cedar Top provide tax or legal advice?
No. Cedar Top is not a CPA firm, law firm, or tax advisor. For your 1031 exchange and any tax or legal questions, work with your own CPA, tax attorney, or qualified advisor.