Hard Money

Construction Hard Money in Colleyville, TX

What is a Construction Hard Money? Construction Hard Money is a specialized mortgage solution offered by CMRE for real estate financing. This program provides tailored terms, flexible underwriting, and expedited closing timelines to meet the unique needs of property buyers and investors in Colleyville, TX.

Custom Mortgage arranges Construction Hard Money financing in Colleyville, TX and across Tarrant County. Tarrant County's 2026 FHFA conforming loan limit is $832,750 for a one-unit home and $1,601,750 for four units. Census ACS 2024 data puts the median owner-occupied home value in Tarrant County at $323,900, $508,850 below that one-unit limit.

Median household income there is $84,207 and 59% of homes are owner-occupied (Census ACS 2024).

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Key Facts About Construction Hard Money

CMRE hard money loans fund in as fast as 7 business days.

Hard money loans from CMRE require 20-35% down payment.

CMRE hard money programs accept properties that conventional lenders decline.

CMRE hard money loans cover fix-and-flip, bridge, and ground-up construction.

CMRE Construction Hard Money funds in as few as 7 business days.

CMRE Construction Hard Money is asset-based — property value drives qualification.

CMRE Construction Hard Money LTV ranges from 65% to 90% ARV.

Program Benefits

Fast Funding: Get the capital you need quickly, often within days, to keep your construction project on schedule.

Flexible Terms: Tailored loan structures to meet the specific needs of your construction project.

Higher Loan-to-Value: Borrow up to 70% of the property's value, maximizing your investment potential.

Less Stringent Requirements: Qualification is based more on the project's potential than on traditional credit metrics.

Use for Various Projects: Ideal for ground-up construction, renovations, rehabs, and fix-and-flips.

Competitive Rates:, our rates are competitive within the hard money lending market.

Program Highlights

Max LTV

70%

Min Credit Score

600

Max DTI

N/A

Loan Amount Range

$50,000 - $5,000,000+

Amortization Options

6 Months12 Months18 MonthsInterest-Only Options Available

Eligible Properties

  • Single Family Homes
  • Multi-Family Homes
  • Condominiums
  • Commercial Properties
  • Land

Program Requirements

Income Documentation

  • •Demonstrate sufficient income or cash flow to cover loan payments.
  • •Provide documentation of current income sources.
  • •Business income will be considered as applicable.

Asset Verification

  • •Proof of funds for down payment and closing costs.
  • •Verification of other assets that may be used as collateral.
  • •Liquidity to manage project contingencies.

Insurance & Title

  • •Hazard insurance to cover property damage.
  • •Liability insurance to protect against potential lawsuits.
  • •Builder's risk insurance during the construction phase.

Property Requirements

  • •Minimum FICO score of 600 required.
  • •Review of credit history to assess overall financial stability.
  • •Past bankruptcies or foreclosures will be considered.

Construction Hard Money in Colleyville: The Complete Guide

What Is Construction Hard Money?

Construction hard money loans are short-term financing options specifically designed for real estate construction and renovation projects. Unlike traditional loans, they are typically secured by the value of the property and future potential, rather than the borrower's creditworthiness. This makes them a valuable tool for developers and investors who need quick access to capital.

Who Uses Construction Hard Money?

  • •Fix-and-flip investors needing fast acquisition and rehab capital.
  • •Bridge borrowers financing between a sale and a purchase.
  • •Auction buyers needing proof of funds and rapid closing.
  • •Property owners facing foreclosure who need emergency refinancing.
  • •Investors purchasing non-conforming properties traditional lenders won't finance.

Construction Hard Money Terms and Structure

  • •LTV: 65%-80% as-is value or 70%-90% ARV for fix-and-flip.
  • •Terms: 6 months to 3 years — designed as short-term bridge.
  • •Interest rates depend on LTV, condition, borrower experience.
  • •Interest-only payments standard. Exit strategy required.
  • •CMRE funds in as few as 7 business days.

Get Construction Hard Money from CMRE

  • •Step 1: Submit property details — address, price, value estimate, scope of work.
  • •Step 2: CMRE issues term sheet within 24-48 hours.
  • •Step 3: Appraisal or BPO — fast-track available.
  • •Step 4: Underwriting on property value and exit strategy.
  • •Step 5: Funding in as few as 7 business days.

National Rate Index (Freddie Mac PMMS)

30-Year Fixed Rate

7.18%

as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05

Est. Monthly Payment in Tarrant County

$1,843/mo

Based on $340,000 median · 20% down · P&I only

15-Year Fixed Rate

6.57%

as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05

Est. Monthly Payment in Tarrant County

$2,380/mo

Based on $340,000 median · 20% down · P&I only

Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.

Get Your Rate →

Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).

Tarrant County at a glance

Conforming loan limit (1 unit)
$832,750
Source: FHFA, 2026
Conforming loan limit (4 units)
$1,601,750
Source: FHFA, 2026
Median owner-occupied home value
$323,900
Source: Census ACS 5-year, 2024
Median household income
$84,207
Source: Census ACS 5-year, 2024
Owner-occupied homes
59%
Source: Census ACS 5-year, 2024
Home value to income ratio
3.8
Source: Census ACS 5-year (computed), 2024

Market Snapshot: Tarrant County

Source: Redfin · 2026-01-31

Median Sale Price

$340,000

-0.7% YoY

Median List Price

$355,185

Price / Sq Ft

$177.936

Days on Market

66

Active Listings

5,483

Homes Sold

1,159

Sale-to-List Ratio

97.5%

2026 Conforming Loan Limits: TARRANT

1-Unit (SFR)

$832,750

2-Unit (Duplex)

$1,066,250

3-Unit (Triplex)

$1,288,800

4-Unit (Fourplex)

$1,601,750

Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.

Local Market Insights

Construction Hard Money in Colleyville, TX

Median Home$341,999
Population2.2M
MarketBalanced — Manufacturing Backbone
Median Income$84,207
Homeowners59%
Median Rent$1,547/mo

Tarrant County's Fort Worth market is the quieter, more grounded counterpart to Dallas across the metroplex. The median sale price of $340,000 is essentially flat year-over-year (down 0.7%), with 5,483 active listings and a 66-day average days on market — the fastest market velocity among our three major Texas counties. The 97.5% sale-to-list ratio reflects a market where pricing is accurate and concessions are modest, suggesting Tarrant is closer to equilibrium than either the elevated surplus in Harris or the inventory overhang in Travis.

Fort Worth's manufacturing, logistics, and defense employment base — anchored by Lockheed Martin, American Airlines, and a major BNSF Railway hub — creates stable, W-2-dominated income profiles that are highly bankable across conventional and FHA programs. The $806,500 conforming limit covers every Tarrant transaction with significant room to spare. New construction activity in Mansfield, Burleson, and Keller has added supply without crashing the market, creating a healthy equilibrium that benefits buyers and sellers alike.

Tarrant County's borrower base is predominantly blue- and white-collar W-2 employees tied to the county's manufacturing, transportation, and aerospace employment. Defense contractor employees from Lockheed, Bell Textron, and the Air Force Reserve at NAS Fort Worth generate steady conventional and VA purchase volume. The first-time homebuyer segment is proportionally larger here than in Dallas County, reflecting Tarrant's relative affordability and strong community college and vocational training infrastructure creating younger household formation.

Loan Officer Insight

Pair a conventional 5% down loan with a rate buydown on new construction — Fort Worth builders are actively funding buydowns to move standing inventory.

Service Areas & Neighborhoods

Our Colleyville Presence

Local Knowledge. Global Rates.

200 Crescent Ct

Dallas, TX 75201

Direct Line

877-976-5669
View All TX Locations

Application Process

Six simple steps from application to funding

STEP 1

Application

Complete our streamlined online application form with your financial information

STEP 2

Document Review

Submit required documentation for verification and processing

STEP 3

Pre-Approval

Receive conditional approval and loan terms based on your profile

STEP 4

Title & Escrow

Open escrow and complete title search and insurance requirements

STEP 5

Appraisal & Final Review

Property appraisal completed and final underwriting approval received

STEP 6

Funding

Sign final documents and receive your loan funds

Why Choose Custom Mortgage?

Your trusted partner in real estate financing

Extensive Experience

Over 25 years of proven expertise in mortgage lending and real estate financing

Comprehensive Loan Options

Wide range of programs from conventional to specialized non-QM and hard money solutions

Nationwide Coverage

Licensed in multiple states with the ability to fund loans across the country

Flexible Solutions

Customized financing options for unique situations that traditional lenders decline

Competitive Rates

Access to wholesale pricing and volume discounts passed directly to our clients

No Upfront Fees

Transparent pricing with no application fees or upfront costs to get started

Not Sure Which Program Fits?

Get Matched in 60 Seconds

Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.

Free Tool

ARV Loan Calculator

Estimate your maximum hard money loan amount based on After Repair Value (ARV). CMRE lends up to 70% ARV for fix-and-flip projects.

Free Tools

Get Your Numbers

Quick quote or detailed payment estimate — no credit pull

Quote Wizard

AI-Powered Rate Intelligence

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Step 1: Loan Foundation

Dan is available — got questions?

Mortgage Estimator

Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.

Estimated Monthly Payment
$2,275

Principal & Interest Only

Common Questions About Construction Hard Money in Colleyville

The latest available national 30-year fixed observation was 7.18% (Freddie Mac PMMS, week of 11/5/2026). Construction Hard Money rates in Colleyville vary by loan amount, LTV, and credit profile — CMRE can issue a pre-approval within 24 hours of a complete application.

Timelines depend on the program, appraisal, and title: conventional purchases typically close in 14–21 days, and hard money loans can fund in as few as 7 business days. The Tarrant County market has seen home prices fall 0.7% year-over-year — buyers currently have more leverage, but rate locks still protect you from market moves.

CMRE funds hard money and bridge loans in Colleyville in as fast as 7 business days. Experienced investors in Tarrant County with strong equity positions may qualify for expedited underwriting.

Construction Hard Money from CMRE in Colleyville typically requires 65-80% LTV depending on property type and borrower experience. Fix-and-flip investors in Tarrant County may access higher leverage with track record documentation.

See all Construction Hard Money questions and program details

Construction Hard Money by Location

Get local rates, loan limits, and market data for Construction Hard Money in your area.

View county-level market data, loan limits, and mortgage rates on our territory pages.

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Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995

TESTIMONIALS

Success stories from families and investors across the nation who achieved their goals with CMRE.

"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."

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RENE M

"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."

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ARTHUR G

"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."

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