Direct Hard Money Lender in Texas
SWE Lending is a direct lender for fast hard money loans. Located in Texas, we have more than thirty years of experience in the industry.
Our loan programs are aimed at meeting the needs for funding commercial, residential, and land projects in Texas. We offer long-term financing with flexible interest.
Long and Short Term Financing
We provide financing solutions for both short- and long-term needs directly, as a direct lender, not a broker, our loans are handled in-house without outsourcing.
Quick Decision Time
Our deep understanding of the real estate market and expertise in originating all types of loans allow us to swiftly provide decisions to individuals across Texas. We fund loans in as little as 7 business days. Contact us to take the next step.
The SWE Difference
At SWE Lending, we pride ourselves originating and servicing all our loans. Our companies own over 1,000 properties across Texas, this gives us a comprehensive insight into the market we serve directly.
Why Choose Us?
SWE Lending’s funding capital is greater than most of our competitors. We provide funds quickly. We are a direct lender and don't rely on anyone else.
WE WORK WITH ALL CREDIT TYPES.
Types of Loans
We Offer Loans On
Our Loans
For loan amounts less than $40,000, a
higher interest rate may be applied.
Commercial Property Loans
Residential Property Loans
Land Loans
Our Team
Our team has decades of real estate investment experience, and our affiliated entities have owned thousands of property types, including single-family, townhome/condominium, multi-family, and all types of commercial and land properties. We offer loans for properties located in Houston, San Antonio, Dallas, and throughout Texas.
We consider applications for loans from all Texas markets, first lien position only. We have a quick and easy loan application process that enables us to make quick decisions for fast funding. We have no application fees but require a small inspection fee.
Frequently Asked Questions
Upon issuing our commitment fee, we collect 5% of the loan amount or $2,000, whichever is greater. This fee is to set aside capital that is required to fund the loan. We collect a small inspection fee (may vary).
We also collect pre-paid hazard Insurance; escrow for property taxes, and if the property has improvements, we escrow for insurance. In most cases, we escrow homeowner association dues.
Once we have all of the required documents to complete our due diligence, it usually takes 2 to 3 weeks to fund your loan.
Yes. We only make first-lien loans on commercial and residential properties, including single-family, townhouse, condominium, office, apartment, retail, industrial, and raw land property types.
Yes, the minimum loan amount is $10,000, and the maximum loan amount is $3,000,000.
Yes! We offer two loan options for commercial, residential, and raw land properties.
Hard Money or Private Money lending is generally non-institutional private money that is primarily used for investors in real estate.
Yes. We only make loans on properties located in Texas. Our preferred markets are the major metropolitan areas of Houston, Dallas, and San Antonio and the surrounding counties. We consider applications for loans in other Texas markets on a case-by-case basis. We offer loans in the State of Georgia for investment 2nd homes and commercial properties.
Good question! You can apply online by completing our preliminary inquiry. We will contact you within 24 hours of receiving your information.
Testimonials
Nancy Robinson has been an amazing part of our community for many years and has been working with SWE companies since 2012. Nancy had a vision to provide housing for low-income individuals. She began purchasing homes from us in 2012 and has been renovating them to provide efficiency housing. She caters to the senior and homeless community with partnerships through Ben Taub Hospital and Lyndon B. Johnson Hospitals. She even goes as far as sponsoring individuals for 6 months while they get on their feet. SWE has made it easy for her to acquire real estate and provide the financing to continue building out her vision. She has purchased 6 properties from us and we hope to continue serving her mission for many years.
Nancy Robinson
Matasha LaQuinn is an award-winning business professional and one of Houston's top Real Estate experts. She currently has three projects with SWE Lending and really enjoys the easy communication. SWE Lending has built a professional relationship with 3 generations of real estate agents/brokers from the LaQuinn Group. We have been working with Matasha's grandmother, Jacqueline Cooper, for over 30 years, and we look forward to working together for many more.
Matasha LaQuinn
Cedric is a builder here in Houston and has worked several transactions with SWE Lending in the past two years. He truly enjoys that our process is quick and easy. He trusts our company and loves our ability to make quick decisions. We look forward to the next one!
Cedric
One of our Loan Originators, presented SWE Lending & SWE Homes at a breakfast informational with Capital Title. It was a great opportunity to network and reach out to those whose clients might be in need of a hard money loan or owner financing.
