Erath County

# Hard Money Loans in Stephenville & Erath County

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

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

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 August 24, 2026

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. 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:** Dublin, Hico, Bluff Dale, Morgan Mill, Huckabay.

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

## 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.

## Get a Quick Answer on Your Stephenville 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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