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 · Rating from CreditDoc methodology
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 value propositions: fast closing (typically 3-5 business days), a transparent 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 specialized 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.
Yes. Longhorn Investments - Hard Money Lender is a registered company, headquartered in Dallas, TX.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
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 specialized 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 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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