Palo Pinto County # Hard Money Loans in Mineral Wells & Palo Pinto County The Baker Hotel restoration is turning downtown Mineral Wells around, and we fund the smaller deals riding that momentum. [Apply Now](https://cedartoplending.com/apply/) [Get a Quote](https://cedartoplending.com/contact/) Serving Mineral Wells · Palo Pinto · Graford · Strawn · Gordon · Possum Kingdom Lake Loan types Fix and Flip Loans · Land and Ranch Loans · Commercial Hard Money Loans · New Construction Loans County Palo Pinto County Last updated August 24, 2026 Palo Pinto County ## Investment Lending in Mineral Wells The Baker Hotel restoration is the real story in downtown Mineral Wells right now, and it has pulled investment interest back into a town that had gone quiet for decades. We fund fix and flip projects, small commercial in the historic downtown, new construction, and raw land throughout Palo Pinto County and out toward Possum Kingdom Lake. We decide on the property and your plan, not the size of the town, so a Mineral Wells property gets the same attention as one in Fort Worth. ## The Mineral Wells Market Possum Kingdom Lake is the biggest recreational draw in this part of the state, and Mineral Wells and Graford are the two towns that see the most lake-driven investor activity: cabins, lots, and short-term rentals, alongside the fix and flip and raw land activity in town. The Baker Hotel project has drawn outside money into downtown, but the rehab and land purchases around it still need a lender who actually knows the town. That is us. ## Programs We Fund in Mineral Wells [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/) [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/) [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:** Palo Pinto, Graford, Strawn, Gordon, 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 ## Mineral Wells Hard Money Loan Questions ### Do you fund small commercial projects in Mineral Wells? Yes. We lend on small commercial buildings in the historic downtown, along with fix and flip, new construction, and raw land across Palo Pinto County. ### Do you lend around Possum Kingdom Lake? Yes. Possum Kingdom Lake is one of our primary markets: cabins, lots, and short-term rentals, alongside everything else we fund in Palo Pinto County. ## Get a Quick Answer on Your Mineral Wells 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) --- Canonical URL: https://cedartoplending.com/service-areas/mineral-wells/