HouseMax Funding is a nationwide direct hard money lender for real estate investors, operating under the tagline “Rapid Application. Rapid Approval.” The company describes itself as investors at heart: its leadership team has collectively flipped more than 3,000 homes, and that hands-on experience shapes how HouseMax structures each loan. Rather than simply funding deals, the firm positions itself as a consultant that helps investors build smart, sustainable financing.
HouseMax Funding operates as a direct lender backed by a $600 billion Wall Street fund, with a team of around 90 professionals and more than 6,000 loans funded to date. The company lends in 50-plus states, describes itself as one of America’s fastest-growing private lenders, is based in the Austin, Texas area, and is a member of the National Private Lenders Association and the American Association of Private Lenders.
HouseMax Funding structures fix and flip loans on a percentage of a property’s after-repair value (ARV) rather than its purchase price, and reimburses borrowers for repairs as they are completed, which helps keep cash flowing through a project. Before funding, borrowers provide a repair budget with line-item repairs or a contractor estimate, and an appraisal confirms the property’s valuation and ARV.
The broader process is built for speed. After a quick phone pre-qualification, borrowers submit a full application with the appraisal and repair budget, sign full disclosure of terms and the loan agreement, and close through a title company, with most hard money loans completing in about 10 business days or less.
HouseMax Funding offers several investment-property loan programs nationwide:
short-term financing with flexible 6 to 24 month terms and same-day approval. Loans are based on a percentage of the property’s after-repair value, with rehab funds reimbursed as repairs are completed.
short-term bridge financing for investment properties.
long-term rental financing qualified on the property’s cash flow, with instant online quotes available in under 10 minutes, useful for investors who refinance and hold a property as a rental.
the company also offers hard money construction loans.
HouseMax funds loans of $85,000 and above and requires a minimum credit score of 640.
HouseMax Funding, LLC operates under NMLS ID# 2262692. The company funds loans of $85,000 and above and does not provide funding for borrowers with credit scores under 640. HouseMax Funding is a member of the National Private Lenders Association (NPLA) and the American Association of Private Lenders (AAPL).
