Wichita County

# Hard Money Loans in Wichita Falls, Texas

Wichita Falls sits near the Oklahoma line, ninety minutes north of our office, and we still treat it like a regular stop.

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

Serving

Wichita Falls · Burkburnett · Iowa Park · Electra

Loan types

Fix and Flip Loans · New Construction Loans · Bridge Loans · Commercial Hard Money Loans

County

Wichita County

 Last updated August 24, 2026

Wichita County

## Investment Lending in Wichita Falls

Wichita Falls carries a deep stock of older, affordable housing that works for rehab investors, especially near Sheppard Air Force Base and out toward Burkburnett and Iowa Park. We fund rehab, rental, and new construction projects across that inventory.

Decisions are based on the property, not a credit score, whether it is a rehab in town or a rental out past the city limits.

## The Wichita Falls Market

Wichita Falls is the regional hub of north Texas near the Oklahoma line, and Midwestern State University adds a steady base of student and young-professional renters on top of the base housing demand.

We are a direct lender with in-house underwriting, so a Wichita County property comes straight to us, no broker packaging it and shopping it around first.

## Programs We Fund in Wichita Falls

[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/) [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/) [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. Learn more](https://cedartoplending.com/hard-money-loans/bridge-loans/) [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:** Burkburnett, Iowa Park, Electra.

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

## Wichita Falls Hard Money Loan Questions

### Do you lend in Wichita Falls?

Yes. We fund fix and flip, new construction, bridge, and commercial investment loans across Wichita Falls and Wichita County.

### Do you lend in Burkburnett and Iowa Park, not just Wichita Falls?

Yes. We fund the same deal types in Burkburnett and Iowa Park as we do in town.

## Get a Quick Answer on Your Wichita Falls 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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