Wise County

# Hard Money Loans in Decatur & Wise County

Decatur is the Wise County seat, and the exurban build-out along US-287 keeps us busy here.

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

Serving

Decatur · Bridgeport · Rhome · Boyd · Alvord · Chico · Paradise

Loan types

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

County

Wise County

 Last updated August 24, 2026

Wise County

## Investment Lending in Decatur

Decatur is the Wise County seat and a hub on the US-287, US-81, and US-380 corridors northwest of Fort Worth. As the Metroplex pushes this way, the county keeps growing, and we fund fix and flip, new construction, raw land, and small commercial deals across it.

The county seat square sits right where US-287 and US-81 cross, and that intersection is why Decatur, not Bridgeport or Rhome, is the commercial center of the county.

## The Decatur Market

Wise County blends fast exurban growth in Decatur, Rhome, and Boyd with ranch and ag land across the rest of the county. That growth is following US-287 south toward the Alliance corridor, not spreading evenly across the county.

Ranch and ag land still make up most of the county outside that 287 corridor, and we fund both ends of it, the exurban build-out and the acreage behind it.

## Programs We Fund in Decatur

[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. Learn more](https://cedartoplending.com/hard-money-loans/fix-and-flip/) [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. Learn more](https://cedartoplending.com/hard-money-loans/new-construction/) [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. Learn more](https://cedartoplending.com/hard-money-loans/land-and-ranch/) [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. Learn more](https://cedartoplending.com/hard-money-loans/commercial/)

**Nearby towns we also serve:** Bridgeport, Rhome, Boyd, Alvord, Chico, Paradise.

Our loan process

## Three Steps to Funding
1.  1

### Apply Online

The property, your plans, and what loan amount you are requesting.
2.  2

### In-House Review

We underwrite the deal in-house quickly. No outside underwriter, no third-party appraisal to wait on.
3.  3

### Closing

Once title is clear and the documents are signed, we can fund in as little as 24 hours.

FAQs

## Decatur Hard Money Loan Questions

### Do you lend in Decatur and the rest of Wise County?

Yes. We fund fix and flip, new construction, land, and small commercial loans across Decatur, Bridgeport, Rhome, Boyd, and the surrounding area.

### Do you finance ranch and raw land in Wise County?

Yes. Most of the county outside the 287 corridor is still ranch and ag land, and we fund those tracts same as the subdivisions.

## Get a Quick Answer on Your Decatur Loan

We underwrite every transaction in-house, so if the property and your plan make sense, we can usually find a way to fund it. Contact us for more details.

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

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