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Erath County

Hard Money Loans in Stephenville & Erath County

Tarleton State anchors Stephenville, and dairy and equine land covers the rest of Erath County.

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Serving

Stephenville · Dublin · Hico · Bluff Dale · Morgan Mill · Huckabay

Loan types

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

County

Erath County

Last updated

Erath County

Investment Lending in Stephenville

Stephenville is a college and ranching town in the Cross Timbers, home to Tarleton State University and a deep base of dairy and equine property. We fund fix and flip, raw land, new construction, and small commercial loans across Erath County.

Tarleton and the ranch economy around it keep this market active, and we sign off on deals ourselves rather than routing them through committee.

The Stephenville Market

Tarleton keeps a steady base of student rentals in Stephenville, while the surrounding county is ranch, dairy, and equine land, the kind of acreage many lenders will not finance.

We know this market and are comfortable with the rural and acreage purchases that come with it.

Programs We Fund in Stephenville

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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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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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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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.

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Nearby towns we also serve: Dublin, Hico, Bluff Dale, Morgan Mill, Huckabay.

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

Stephenville Hard Money Loan Questions

Do you lend on ranch and equine property in Erath County?

Yes. Ranch, dairy, and equine acreage make up most of what we underwrite around Stephenville.

Do you finance student rentals near Tarleton State?

Yes. We fund fix and flip and rental value-add loans in Stephenville, including properties near Tarleton State University.

Request a Review of Your Stephenville 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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