Texas hard money loans

# Bridge Loans

Short-term hard money for a Texas investment property that needs little to no rehab. Use it for a quick acquisition, a short term vacation rental, or a take-out of your current hard money loan.

[Apply Now](https://cedartoplending.com/apply/) [Get a Quote](https://cedartoplending.com/contact/)

Rate

Starting at 12%

Loan amount

$50,000 - $1,000,000

Term

6 to 12 month terms (with extension provisions)

 Last updated September 9, 2026

## What is a bridge loan?

A bridge loan is short-term financing that bridges the gap between buying or holding your property and arranging permanent financing or a sale. Investors use it to close quickly or free up equity, then repay it once the property sells or refinances into a longer-term loan.

## Terms snapshot

Rate

Starting at 12%

Points / origination

Origination fee of 2% to 4%

Doc fee

$995 Document Fee

Loan amount

$50,000 - $1,000,000

Term

6 to 12 month terms (with extension provisions)

Max leverage

Up to 75% Loan to Value

Payments & fees

Interest only payments · NO prepayment penalty

Property types

Single-family, Multi-family, Short-term rental, Mixed-use

Owner-occupied

Not eligible - investment / non-owner-occupied only

## Example Bridge Loan

Property value

$300,000

Requested loan amount

Up to ~$225,000 (maximum 75% loan to value)

Term

9 months, plus an extension option

Monthly interest estimate

Interest-only on the balance

Exit strategy

Refinance into a long-term rental loan, or sell the property.

Illustrative only. Not a quote or a commitment to lend.

## How funding works
1.  1

### Apply online

Fill out our contact form with your loan request details: the property, current value, and your short-term exit.
2.  2

### Review

We review each transaction personally and in-house, which allows us to make a lending decision quickly.
3.  3

### Term sheet

If your project fits our bridge loan program, you will receive a term sheet stating rate, points, leverage, and term.
4.  4

### Title

We coordinate title review and closing documents directly with your title company.
5.  5

### Close

Once title work is clear and all documents are signed, we fund your loan in a single advance.
6.  6

### Servicing

You make interest-only payments until your sale or refinance closes.

## Documents Required

The usual list. Some loan programs require one or two more items which will be requested as needed.
-  Executed purchase contract (for acquisitions)
-  Entity formation documents
-  Government-issued ID
-  Property photos
-  Proof of insurance
-  Title company contact
-  Exit strategy (sale or refinance)

## What we can't fund
- Owner-occupied / primary residence request
- Unresolved title issues
- Unsupported or unrealistic ARV
- Weak or undefined exit strategy
- Insufficient documentation
- Unsupported property type

## Frequently asked questions

### How is a bridge loan different from a fix and flip loan?

A bridge loan is for a property that needs little to no rehab, while a fix and flip loan funds and draws against your renovation budget.

### Can a bridge loan take out my current hard money loan?

Yes. Hard money take-outs are OK. A common use is paying off your current short-term loan while you finish your sale or refinance.

### Are short term vacation rentals eligible?

Yes. Short term vacation rentals are OK as long as the property and your exit strategy hold up.

## Texas markets we serve

### North Central & West Texas
- [Cleburne](https://cedartoplending.com/service-areas/cleburne/)
- [Eastland County](https://cedartoplending.com/service-areas/eastland-county/)
- [Fort Worth](https://cedartoplending.com/service-areas/fort-worth/)
- [Wichita Falls](https://cedartoplending.com/service-areas/wichita-falls/)
- [Midland](https://cedartoplending.com/service-areas/midland/)

### Central Texas
- [Hillsboro](https://cedartoplending.com/service-areas/hillsboro/)
- [Waco](https://cedartoplending.com/service-areas/waco/)

### Northeast & East Texas
- [Cedar Creek Lake](https://cedartoplending.com/service-areas/cedar-creek-lake/)
- [Lake Fork](https://cedartoplending.com/service-areas/lake-fork/)
- [Terrell](https://cedartoplending.com/service-areas/terrell/)
- [Tyler](https://cedartoplending.com/service-areas/tyler/)

[View all Texas service areas](https://cedartoplending.com/service-areas/)

## Apply for Texas Bridge Loans

We underwrite every loan in-house. Fill out our short application or call us - we look forward to working with you on your next Texas investment property.

[Apply Now](https://cedartoplending.com/apply/) [Get a Quote](https://cedartoplending.com/contact/) [Call 817-984-3129](tel:+18179843129)

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