Upshur County

# Hard Money Loans in Gilmer & Upshur County

We lend across Gilmer and Upshur County in the East Texas Piney Woods.

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

Serving

Gilmer · Big Sandy · Ore City · Gladewater · Pittsburg

Loan types

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

County

Upshur County

 Last updated August 24, 2026

Upshur County

## Investment Lending in Gilmer

Gilmer is the seat of Upshur County, deep in the Piney Woods between Tyler and Longview and near Lake O' the Pines. We fund fix and flip, raw land, timber and recreational tracts, and new construction across the county.

## The Gilmer Market

Upshur County is rural East Texas, with timber, ag, and recreational land making up much of the market alongside small-town homes in Gilmer and Big Sandy. Lake property near Lake O' the Pines adds another layer of demand.

Gilmer hosts the East Texas Yamboree every October, the kind of square-town identity that also means a lot of its timber tracts get subdivided into smaller recreational parcels over time. We fund those deals as they come up.

## Programs We Fund in Gilmer

[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/) [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/) [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/) [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:** Big Sandy, Ore City, Gladewater, Pittsburg.

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

## Gilmer Hard Money Loan Questions

### Do you lend on timber and recreational land in Upshur County?

Yes. Timber tracts and raw land are the backbone of what we lend on in Upshur County.

### Do you lend near Lake O' the Pines?

Yes. We fund lake-area and recreational property near Lake O' the Pines.

## Get a Quick Answer on Your Gilmer 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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