Lending

# Hard Money Loan Rates & Terms

Every number we publish, in one place, for every Texas hard money program we offer. Your final terms depend on the property and your investment plan.

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

Payments

Interest-only, most programs

Prepayment

No prepayment penalty

Doc fee

$995

 Last updated September 9, 2026

## What Applies Across Programs
- Interest-only monthly payments on most programs
- No prepayment penalty
- $995 Document Fee
- 2-4 points depending on the program and deal
- Texas, non-owner-occupied investment property only

Where your pricing lands inside the published ranges comes down to your property, the leverage you need, and your exit plan. Rates start at 12% with an origination fee of 2% to 4% depending on the program. We review each transaction personally and give you a rate and fee quote for your specific property.

The same numbers sit beside five other Texas lenders' published terms in our [Texas hard money lenders compared](https://cedartoplending.com/hard-money-loans/texas-hard-money-lenders-compared/) table.

Subject to underwriting, collateral review, title review, documentation, and Cedar Top Lending LLC approval.

## Program Terms By Product

Cedar Top Lending - Texas hard money programs

Program

Rate

Points / Origination

Loan amount

Term

Max leverage

[Fix and Flip Loans](https://cedartoplending.com/hard-money-loans/fix-and-flip/) [Learn more →](https://cedartoplending.com/hard-money-loans/fix-and-flip/)

Starting at 12%

Origination fee of 2% to 4%

$50,000 - $1,000,000

6 month initial term with extension provision

Up to 75% of ARV

[New Construction Loans](https://cedartoplending.com/hard-money-loans/new-construction/) [Learn more →](https://cedartoplending.com/hard-money-loans/new-construction/)

Starting at 12%

Origination fee of 2% to 4%

$50,000 - $1,000,000

Loan term set by the length of the project

Up to 70% Loan to Value · Up to 90% Loan to Cost

[Bridge Loans](https://cedartoplending.com/hard-money-loans/bridge-loans/) [Learn more →](https://cedartoplending.com/hard-money-loans/bridge-loans/)

Starting at 12%

Origination fee of 2% to 4%

$50,000 - $1,000,000

6 to 12 month terms (with extension provisions)

Up to 75% Loan to Value

[Transactional Funding](https://cedartoplending.com/hard-money-loans/transactional-funding/) [Learn more →](https://cedartoplending.com/hard-money-loans/transactional-funding/)

Flat transaction fee (see below)

1.5% Fee or a minimum of $1,500 to be paid at closing

Contact Cedar Top for current terms

Short-term; same-day funding may be available

100% of the entire purchase price and closing costs

[Land and Ranch Loans](https://cedartoplending.com/hard-money-loans/land-and-ranch/) [Learn more →](https://cedartoplending.com/hard-money-loans/land-and-ranch/)

Starting at 12%

Origination fee of 2% to 4%

$50,000 - $10,000,000

6 to 24 month initial term

Borrow up to 65% of market value

[Commercial Hard Money Loans](https://cedartoplending.com/hard-money-loans/commercial/) [Learn more →](https://cedartoplending.com/hard-money-loans/commercial/)

Starting at 12%

Origination fee of 2% to 4%

$50,000 - $1,000,000

6 to 12 month terms (with extension provisions)

Up to 75% Loan to Value

## Which Program Fits Your Investment Plan

Program

Best for

Property types

[Fix and Flip Loans](https://cedartoplending.com/hard-money-loans/fix-and-flip/)

Investors purchasing distressed property to renovate and resell

Single-family, Multi-family, Commercial, Condo, Townhome

[New Construction Loans](https://cedartoplending.com/hard-money-loans/new-construction/)

Builders and investors doing ground-up or spec construction

Single-family spec, Multi-family, Build-to-rent, Custom investment builds

[Bridge Loans](https://cedartoplending.com/hard-money-loans/bridge-loans/)

Acquisitions with little or no rehab needed

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

[Transactional Funding](https://cedartoplending.com/hard-money-loans/transactional-funding/)

Wholesalers with an end buyer already lined up

Single-family, Multi-family, Commercial (case-by-case)

[Land and Ranch Loans](https://cedartoplending.com/hard-money-loans/land-and-ranch/)

Investors acquiring farm, ranch, or undeveloped land

Farm land, Ranch land, Undeveloped / raw land, Lots

[Commercial Hard Money Loans](https://cedartoplending.com/hard-money-loans/commercial/)

Commercial bridge and value-add scenarios

Retail centers, Office buildings, Industrial

## Get Terms for Your Loan

We underwrite the deal in-house and give you a quote built around your property and your investment plan. Contact us for more details.

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

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