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Wood County

Hard Money Loans in the Lake Fork & Wood County Area

Wood County runs from lake cabins at Lake Fork to small-town rehabs in Winnsboro, and we fund both.

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Serving

Lake Fork · Winnsboro · Quitman · Alba · Yantis · Mineola

Loan types

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

County

Wood County

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Wood County

Investment Lending in Lake Fork

Lake Fork is one of the best-known bass fishing lakes in Texas, and the country around it, including Winnsboro, Quitman, Alba, and Yantis, sees steady demand for lake homes, cabins, raw land, and small-town rehabs. We fund all of it.

These are exactly the recreational and rural properties that conventional lenders shy away from. We are comfortable with them and decide in-house.

The Lake Fork Market

Wood County and the Lake Fork area draw recreational buyers, retirees, and investors looking for lake property, acreage, and small-town homes. Winnsboro has a small arts-town draw of its own, and the rural land market stays active.

Lake Fork is a trophy-bass lake, and the cabin demand around it comes from anglers, not commuters. That is a different kind of buyer than a typical second-home market, and we underwrite a lake deal here with that in mind.

Programs We Fund in Lake Fork

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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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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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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Bridge Loans

Short-term hard money for a Texas investment property that needs little to no rehab. Short term vacation rentals and hard money take-outs are both OK.

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Nearby towns we also serve: Winnsboro, Quitman, Alba, Yantis, Mineola.

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

Lake Fork Hard Money Loan Questions

Do you finance lake property and cabins at Lake Fork?

Yes. Lake cabins and recreational property around Lake Fork are most of what we underwrite out here.

Do you lend in Winnsboro and the rest of Wood County?

Yes. We fund fix and flip, raw land, and new construction across Winnsboro, Quitman, and the Wood County area.

Request a Review of Your Lake Fork 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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