Young County

# Hard Money Loans in Graham & Young County

Graham is the Young County seat, with ranch and land purchases stretching out to Olney and Newcastle.

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

Serving

Graham · Olney · Newcastle · Loving · Possum Kingdom Lake

Loan types

Fix and Flip Loans · Land and Ranch Loans · New Construction Loans

County

Young County

 Last updated August 24, 2026

Young County

## Investment Lending in Graham

Graham sits in ranch country along the Brazos, with steady investment activity in homes, land, and ranch property stretching out to Olney and Newcastle. We fund all of it.

## The Graham Market

Ranch and recreational land trade steadily out toward Possum Kingdom Lake, and Olney adds its own pocket of rehab and rental demand apart from Graham proper. Ag, energy, and out-of-town buyers drive a lot of the activity, so deals here often mean acreage instead of a subdivision lot.

## Programs We Fund in Graham

[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/)

**Nearby towns we also serve:** Olney, Newcastle, Loving, Possum Kingdom Lake.

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

## Graham Hard Money Loan Questions

### Do you lend in Graham and Young County?

Yes. We fund fix and flip, ranch, and land loans across Graham, Olney, and the rest of Young County.

### Do you lend in Olney and the smaller Young County towns, not just Graham?

Yes. Olney, Newcastle, and the rest of Young County get the same terms as Graham itself.

## Get a Quick Answer on Your Graham 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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