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Brown County

Hard Money Loans in Brownwood & Brown County

Brownwood is the regional hub for the Heart of Texas, and Howard Payne and Lake Brownwood both drive steady investor activity.

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Serving

Brownwood · Early · Bangs · Blanket · May · Lake Brownwood · Comanche

Loan types

Fix and Flip Loans · Land and Ranch Loans · New Construction Loans · Commercial Hard Money Loans

County

Brown County

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Brown County

Investment Lending in Brownwood

Brownwood is the Brown County seat and the regional hub for the Heart of Texas, with Howard Payne University, Lake Brownwood, and a steady base of ranch and ag land. We fund fix and flip, raw land, ranch, new construction, and small commercial loans across the county.

A ranch deal an hour from the interstate gets the same answer as one in town. We do not treat distance as a reason to slow down.

The Brownwood Market

Lake Brownwood draws recreational and second-home buyers, Howard Payne supports rental demand in town, and ranch and ag land trades steadily across Brown County and the neighboring counties. Big-city lenders treat this as too far out to bother with. We do not.

Howard Payne keeps a small but steady renter base in town, separate from the ranch and lake purchases that make up most of the rest of the county.

Programs We Fund in Brownwood

Fix and Flip Loans

Fix and flip loans for Texas investors. We lend on the property and your investment plan, so we can fund borrowers that a traditional bank would turn down over credit or income.

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Land and Ranch Loans

Hard money for your Texas farm land, ranch land, or undeveloped land purchase. Raw land and rural areas are OK, and you can borrow up to 65% of market value.

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New Construction Loans

New construction hard money loans for Texas builders, on investment or non-homestead property only. We finance up to 100% of your construction budget, up to 90% loan to cost.

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Commercial Hard Money Loans

Commercial hard money loans for your Texas retail center, office building, or industrial investment property, up to 75% loan to value.

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Nearby towns we also serve: Early, Bangs, Blanket, May, Lake Brownwood, Comanche.

Our loan process

Three Steps to Review and Closing

  1. Apply Online

    Send the property, project plan, and requested loan amount.

  2. In-House Review

    Cedar Top reviews the property, project plan, borrower profile, and exit strategy in house, subject to underwriting, collateral review, title review, documentation, and approval.

  3. Closing

    When title, insurance, documentation, and loan approval are complete, the closing process can move forward.

FAQs

Brownwood Hard Money Loan Questions

Do you lend on ranch and ag land in Brown County?

Yes. Ranch and ag land make up most of what we lend on around Brownwood.

Do you finance property near Lake Brownwood?

Yes, and the transaction looks different depending on what it is: a cabin renovation, a raw lot, or a short-term-rental conversion. We underwrite each on its own terms.

Request a Review of Your Brownwood Investment Property

Cedar Top reviews Texas investment property requests in house, subject to underwriting, collateral review, title review, documentation, and approval. Contact us for more details.

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