Texas-based hard money lender offering fast, flexible financing for real estate investors. Specializes in residential, commercial, and development projects with streamlined approval.
Data compiled from public sources · Rating from CreditDoc methodology
Longhorn Funding is a private money lending company based in Austin, Texas, operating at 9705 Burnet Rd Suite 322. The company positions itself as a hard money lender focused on serving real estate investors and developers across Texas with fast capital solutions and local market expertise. Founded on the principle of understanding Texas real estate, Longhorn Funding emphasizes speed, flexibility, and personalized service as core differentiators in a traditionally slow-moving lending landscape.
Longhorn Funding offers hard money loans, bridge loans, acquisition financing, and refinancing solutions tailored to real estate investors. Their product suite covers residential, commercial, and development projects throughout Texas. The company advertises a streamlined approval process designed to eliminate lengthy bank delays and enable faster deal closures. Loan products are customized to individual investor situations, acknowledging that real estate opportunities often require flexible terms outside traditional mortgage parameters.
The company distinguishes itself through three primary value propositions: fast closings via streamlined underwriting, property variety across residential/commercial/development sectors, and positioning lenders as true partners rather than transactional service providers. They emphasize local expertise specific to Texas real estate markets and maintain direct contact through a dedicated phone line (512-955-7559) and email (contact@longhorn-funding.com). The messaging targets active real estate investors who need capital velocity to compete and close deals quickly.
Longhorn Funding operates in the hard money lending space, which carries inherent characteristics investors should understand. While fast approval and flexible terms are genuine advantages for time-sensitive deals, hard money lending typically involves higher interest rates and fees than traditional mortgage lending. The company provides limited transparency on their website regarding specific rates, terms, loan-to-value ratios, or minimum loan amounts. Prospective borrowers must contact directly for pricing details, which is standard for private lenders but prevents independent rate comparison.
Yes. Longhorn Funding is a registered company, headquartered in Austin, TX.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Longhorn Funding is a hard money lender best suited for real estate investors and developers in Texas who need fast capital for time-sensitive deals and can tolerate non-traditional lending costs. The primary caveat is that hard money lending involves materially higher interest rates and fees than conventional mortgages, and the company provides no publicly available pricing or terms, requiring direct contact to understand true borrowing costs before proceeding.
Lendmark Financial Services is a consumer finance company offering personal loans, auto loans, and debt consolidation with fixed rates and same-day funding at their Charlotte NC branch.
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Dallas-based private lender specializing in bridge loans, hard money loans, and fix-and-flip financing for real estate investors with fast approvals and flexible terms.
Best for: Real estate investors needing bridge financing between property transactions, Fix-and-flip investors requiring quick capital for purchase and renovation cycles
Texas-based mortgage broker serving Dallas, Austin, San Antonio, and Houston with 25+ years of experience. Offers conventional, FHA, VA, jumbo, and specialty loans with online pre-qualification tools.
Best for: Texas homebuyers in Dallas, Austin, San Antonio, and Houston seeking personalized broker service over large lender automation, First-time homebuyers needing patient guidance and explanation through the mortgage process
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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