Longhorn Investments is a private hard money lender providing short-term acquisition and renovation capital to real estate investors for residential and commercial properties across 11 major U.S. states.
Data compiled from public sources · Google rating shown when a stored review count is available
Longhorn Investments was founded in 2008 and has funded 11,661 loans totaling $2,224,071,304 in loan volume. The company operates as a direct private lender specializing in hard money loans for real estate investors. Their primary focus is providing short-term capital for property acquisition and renovation projects, catering to both fix-and-flip investors and rental property buyers.
The company offers flexible financing options through their "Longhorn Choice Program," which allows borrowers to choose between a lower interest rate or lower upfront costs based on their specific investment needs. They provide acquisition and renovation capital for both residential and commercial real estate assets. Longhorn operates across 11 states including Texas, Missouri, Indiana, Kansas, Tennessee, Alabama, North Carolina, New Mexico, Arkansas, Ohio, and Georgia, primarily serving major metropolitan areas in these regions.
Longhorn distinguishes itself through three core profile contexts: fast closing (typically 3-5 business days), a listed and straightforward lending process, and emphasis on customer service. The company employs regional loan consultants and provides educational content about hard money lending and real estate investment strategies. They maintain a Google rating of 294 reviews and highlight customer testimonials emphasizing quick closings and streamlined draw processes for renovation funds.
As a hard money lender, Longhorn serves a listed niche in real estate financing rather than consumer lending. Borrowers should understand that hard money loans typically carry higher interest rates and fees than traditional mortgages, require significant equity in the property, and are designed for short-term funding (usually 6-36 months). This is appropriate financing for experienced real estate investors and fix-and-flip operations but not suitable for primary residence financing or borrowers seeking traditional mortgage terms.
This is state-level context for Business Loans consumers in Dallas, TX. It does not confirm that Longhorn Investments - Hard Money Lender or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Status: Permitted
Rate context: 10% APR for written contracts; 18% APR default rate for oral or implied contracts (Tex. Bus. & Com. Code § 307.003)
Personal loans are regulated under Texas Finance Code; rate caps apply to consumer loans not otherwise exempted
Status: Permitted
Rate context: 10% APR for written contracts; 18% APR default rate (Tex. Bus. & Com. Code § 307.003)
Installment loans are regulated under Texas Finance Code; same rate caps apply as personal loans for consumer lending transactions
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Longhorn Investments - Hard Money Lender offers 10 services including Hard money acquisition loans for property purchase, Renovation and construction financing for real estate projects, Fix-and-flip project financing, New construction financing for investment properties, Commercial real estate lending, and 5 more.
Longhorn Investments - Hard Money Lender has profile signals associated with Real estate investors with fix-and-flip projects requiring fast acquisition and renovation funding, Experienced property investors needing short-term capital across Texas, Missouri, Indiana, Kansas, Tennessee, Alabama, North Carolina, New Mexico, Arkansas, Ohio, or Georgia, Commercial property investors seeking acquisition capital without traditional mortgage timelines, Investors seeking flexibility between interest rates and upfront closing costs.
Key strengths: Fast closing times of 3-5 business days, with documented cases of closings in 2 weeks after appraisal; Flexible "Choice Program" allowing borrowers to select lower rates or lower upfront costs; Substantial lending volume ($2.2B+) and experience (founded 2008, 11,661+ loans funded). Areas to consider: Limited geographic availability (11 states only) — not a national lender; Hard money loans carry higher interest rates and fees than traditional mortgages, increasing borrowing costs.
In the Business Loans category, comparable providers include 1st Franklin Financial, Advantage Finance Title Loans, Independence Home Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Longhorn Investments is best suited for experienced real estate investors and fix-and-flip professionals who need fast acquisition and renovation capital and understand that hard money loans carry higher rates and fees than traditional mortgages. The primary caveat is that this is listed short-term financing designed for real estate business operations, not consumer lending, and geographic availability is limited to 11 specific states.
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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 are required to 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 lower-cost 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 one route 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.
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