When you’ve found the right investment property in Dallas-Fort Worth, speed matters. We’ve seen deals fall apart because traditional lenders took weeks to get their act together. At HiFi Hard Money, we close fix and flip loans in 5 business days for new investors and as fast as 3 business days if you’ve worked with us before.
That’s not a marketing line. It’s what we do, project after project, across major markets in Texas.
Fast Closings Are Built Into How We Work
We’ve structured our entire loan process around one idea: real estate investors need capital fast, and they need it without getting buried in upfront costs or hidden fees. Since 2015, we’ve funded thousands of projects in Dallas-Fort Worth, San Antonio, Austin, and Houston. We know what slows deals down, and we’ve eliminated those friction points.
Every fix-and-flip loan we write is custom-built for the investor and the property. You’re not filling out a 50-page application and waiting for a committee to meet. You get direct access to our team, often by cell, and we can give you a preliminary offer even during off-hours. When timing is tight, that matters.
We focus on single-family homes in major Texas markets. That’s where we have the most experience, and it’s where our process moves fastest. We don’t finance condos, and we’re selective about multifamily projects in today’s environment. If your project is in a rural area outside Dallas, Fort Worth, San Antonio, Austin, or Houston, it’s probably not a fit. But if you’re flipping a single-family home in one of those markets, we can move.
What You Get in 5 Business Days or Less
Here’s the timeline for new investors working with HiFi for the first time. You can apply online or give us a call at (972) 630-6676. We review your project and property. If it’s a fit, we give you a preliminary offer and walk through the terms. You accept, we order third-party reports, and we move toward closing. The whole process typically takes 5 business days.
Returning investors who’ve already closed a project with us can use our Express Lane and close in as little as 3 business days. We already know your track record, and you already know how we work. That cuts the timeline even more.
Zero Upfront Fees Means You Can Move Faster
One reason we close faster than other lenders is simple: we don’t make you come out of pocket before you’ve even started your project. Points, third-party fees like appraisals and loan docs, prorated first month interest, wire fees, and inspection fees are all deferred until you sell the property.
We’re also completely transparent about costs. The appraisal cost is what we pay. The doc prep cost is what we pay. We don’t tack on administrative fees or underwriting fees. You know exactly what you’re paying, and you’re not paying it until your project exits.
This approach keeps more of your capital available for the rehab. It also means there’s less paperwork and fewer moving parts at closing, which speeds everything up.
The Draw Process Keeps Your Project Moving
Once you close, you need access to rehab funds without waiting around. Our draw process has a same-day or next-day turnaround. We’ll work with your scope of work, though we prefer our simple one-page format. Typically, we do one physical inspection at about 40 to 50 percent completion. Otherwise, photos and videos are enough.
What Slows Down Other Lenders
We’ve heard from investors who spent weeks waiting on traditional bank approvals, only to have the deal fall through because the seller moved on. Hard money loans work differently. We’re lending primarily on the value of the property, not just your credit or income. That means faster decisions and fewer hoops to jump through.
We offer up to 75% of the After-Repaired Value, which gives you leverage to take on projects with less cash down. For investors who want a range, we typically work within 65 to 75% LTV, depending on the deal. Our loan amounts and terms are built around what makes sense for your project and your strategy.
Ready to Close Fast?
If you’re working on a fix-and-flip in Dallas-Fort Worth or another major Texas market, we’d like to hear about it. You can apply online at hifihardmoney.com or call us directly at (972) 630-6676. We’ll give you honest feedback, a clear offer, and a realistic timeline.
Real estate moves fast in Texas. Your lender should, too.
FAQs
How fast can you really close a hard money loan in Dallas-Fort Worth?
We close in 5 business days for new investors and as little as 3 business days for returning investors who’ve worked with us before. The timeline depends on how quickly third-party reports come back and how prepared you are with your project details, but we’ve structured our process to move as fast as possible.
Do I need perfect credit to get approved?
We lend primarily on the property’s value, not your credit score. That’s one of the benefits of hard money loans. If you have a solid project in a major Texas market and the numbers work, we can usually find a way to make the deal happen.
What areas in Texas do you lend in?
We focus on major markets across Texas, including Dallas-Fort Worth, San Antonio, Austin, and Houston. We don’t finance rural projects outside those areas. Our experience is in single-family homes in those markets, where we can close fast and support your project from start to finish.
What fees do I pay upfront?
Zero. We defer points, third-party costs like appraisals and loan docs, prorated interest, wire fees, and inspection fees until you sell the property. We’re transparent about every cost, and we don’t charge administrative or underwriting fees. You keep more capital available for your rehab.
