Fuel Your Next Investment with Fast, Flexible Capital
Fuel Your Next Investment with Fast, Flexible Capital
Empowering real estate investors across Texas and New Mexico with tailored funding, quick closings, and personal support—backed by a Latina-owned, family-run lending company.
Empowering real estate investors across Texas and New Mexico with tailored funding, quick closings, and personal support—backed by a Latina-owned, family-run lending company.
98%
Loan Approval Rate
Our Values
Our Values
At Prospective Lending, we’re more than just a lender—we’re your partner in building wealth through real estate. Our values guide every interaction, ensuring a supportive, transparent, and empowering experience.
At Prospective Lending, we’re more than just a lender—we’re your partner in building wealth through real estate. Our values guide every interaction, ensuring a supportive, transparent, and empowering experience.
Client-First Lending: We put people first—especially the agents working hard to help their clients secure fast, reliable funding. Whether you're representing a buyer or investing yourself, we tailor our process to support your goals and make funding feel seamless.
Reliable Expertise: With deep knowledge of Texas and New Mexico markets, we bring clarity, speed, and confidence to every loan. You can count on us to deliver—on time, every time.
Transparent & Trustworthy: We lead with honesty. From rates to timelines, we communicate clearly and prioritize your best interests throughout the lending journey.
What We Offer
What We Offer
At Prospective Lending, we specialize in hard money loans for investment properties in Texas and New Mexico. Whether you're flipping, building, or buying to hold, our lending options are crafted to help you move fast and make confident decisions.
At Prospective Lending, we specialize in hard money loans for investment properties in Texas and New Mexico. Whether you're flipping, building, or buying to hold, our lending options are crafted to help you move fast and make confident decisions.
Loan Amounts
We offer hard money loans ranging from $50,000 to $1,000,000 to support a wide range of real estate investment goals.
Loan Amounts
We offer hard money loans ranging from $50,000 to $1,000,000 to support a wide range of real estate investment goals.
Loan Amounts
We offer hard money loans ranging from $50,000 to $1,000,000 to support a wide range of real estate investment goals.
Term
Our standard loan term features a 30-year amortization schedule with a 5 to 7-year balloon payment structure, giving you flexibility for long-term planning.
Term
Our standard loan term features a 30-year amortization schedule with a 5 to 7-year balloon payment structure, giving you flexibility for long-term planning.
Term
Our standard loan term features a 30-year amortization schedule with a 5 to 7-year balloon payment structure, giving you flexibility for long-term planning.
Rates
Competitive interest rates between 10% and 12% help you move quickly while staying within your budget.
Rates
Competitive interest rates between 10% and 12% help you move quickly while staying within your budget.
Rates
Competitive interest rates between 10% and 12% help you move quickly while staying within your budget.
Down Payment
Borrowers can expect to contribute a down payment of 20% to 30%, depending on the specifics of the deal.
Down Payment
Borrowers can expect to contribute a down payment of 20% to 30%, depending on the specifics of the deal.
Down Payment
Borrowers can expect to contribute a down payment of 20% to 30%, depending on the specifics of the deal.
Funding Time
Once closing is complete, we release funds within hours! The entire process can take as little as 2 days.
Funding Time
Once closing is complete, we release funds within hours! The entire process can take as little as 2 days.
Funding Time
Once closing is complete, we release funds within hours! The entire process can take as little as 2 days.
Credit Requirement
We work with a variety of credit backgrounds, requiring a minimum credit score of 550 to qualify.
Credit Requirement
We work with a variety of credit backgrounds, requiring a minimum credit score of 550 to qualify.
Credit Requirement
We work with a variety of credit backgrounds, requiring a minimum credit score of 550 to qualify.
10+
Years Serving
El Paso
10+
Years Serving
El Paso
How It Works
How It Works
No guesswork. Just a simple, fast funding process—no surveys required—designed for real estate investors who want straightforward, no-nonsense financing. Here's our 4-step process you can count on.
No guesswork. Just a simple, fast funding process—no surveys required—designed for real estate investors who want straightforward, no-nonsense financing. Here's our 4-step process you can count on.
1
Apply
Apply
We’ve made our application process simple so you can stay focused on your project. After a quick informational consultation, you can complete our free application.
We’ve made our application process simple so you can stay focused on your project. After a quick informational consultation, you can complete our free application.
2
Evaluation
Evaluation
Once your application is submitted, we evaluate the project to ensure it makes financial sense for both you and us. If it’s a good fit, we move forward with approval!
Once your application is submitted, we evaluate the project to ensure it makes financial sense for both you and us. If it’s a good fit, we move forward with approval!
3
Closing
Closing
We coordinate closely with all parties involved—from agents to title and escrow companies—to ensure you experience a smooth and efficient closing process.
We coordinate closely with all parties involved—from agents to title and escrow companies—to ensure you experience a smooth and efficient closing process.
4
Funding
Funding
Once closing is complete, we release funds within hours! The entire process can take as little as 2 days.
Once closing is complete, we release funds within hours! The entire process can take as little as 2 days.
Ready to take the next step toward your investment goals?
Schedule a quick call to discuss your goals, get answers to your questions, and see how Prospective Lending can support your next real estate move.
Ready to take the next step toward your investment goals?
Schedule a quick call to discuss your goals, get answers to your questions, and see how Prospective Lending can support your next real estate move.
Ready to take the next step toward your investment goals?
Schedule a quick call to discuss your goals, get answers to your questions, and see how Prospective Lending can support your next real estate move.
Ready to take the next step toward your investment goals?
Schedule a quick call to discuss your goals, get answers to your questions, and see how Prospective Lending can support your next real estate move.
Success Stories
From first-time investors to seasoned pros—and even agents working to secure fast funding for their clients—Prospective Lending has helped both investors and agents build, grow, and thrive.
98%
customers have given ratings for support
Andrew Gomez
Licensed Broker | Caravan Realty
"Prospective Lending is fast and easy to work with. They escrow their notes, making it simple for lenders to receive payments and organize end-of-year financials. Melody is a breeze to work with. Give Prospective Lending a try!"
Karlo Nava
Licensed Realtor | Think Of Realty
"Working with Melody Robles was a smooth and efficient experience. She was professional, transparent, and quick to respond to all of my questions. The loan process was fast and straightforward. I highly recommend Melody to anyone looking for reliable hard money loan services."
Success Stories
From first-time investors to seasoned pros—and even agents working to secure fast funding for their clients—Prospective Lending has helped both investors and agents build, grow, and thrive.
98%
customers have given ratings for support
Andrew Gomez
Licensed Broker | Caravan Realty
"Prospective Lending is fast and easy to work with. They escrow their notes, making it simple for lenders to receive payments and organize end-of-year financials. Melody is a breeze to work with. Give Prospective Lending a try!"
Karlo Nava
Licensed Realtor | Think Of Realty
"Working with Melody Robles was a smooth and efficient experience. She was professional, transparent, and quick to respond to all of my questions. The loan process was fast and straightforward. I highly recommend Melody to anyone looking for reliable hard money loan services."
Success Stories
From first-time investors to seasoned pros—and even agents working to secure fast funding for their clients—Prospective Lending has helped both investors and agents build, grow, and thrive.
98%
customers have given ratings for support
Andrew Gomez
Licensed Broker | Caravan Realty
"Prospective Lending is fast and easy to work with. They escrow their notes, making it simple for lenders to receive payments and organize end-of-year financials. Melody is a breeze to work with. Give Prospective Lending a try!"
Karlo Nava
Licensed Realtor | Think Of Realty
"Working with Melody Robles was a smooth and efficient experience. She was professional, transparent, and quick to respond to all of my questions. The loan process was fast and straightforward. I highly recommend Melody to anyone looking for reliable hard money loan services."
Success Stories
From first-time investors to seasoned pros—and even agents working to secure fast funding for their clients—Prospective Lending has helped both investors and agents build, grow, and thrive.
98%
customers have given ratings for support
Andrew Gomez
Licensed Broker | Caravan Realty
"Prospective Lending is fast and easy to work with. They escrow their notes, making it simple for lenders to receive payments and organize end-of-year financials. Melody is a breeze to work with. Give Prospective Lending a try!"
Karlo Nava
Licensed Realtor | Think Of Realty
"Working with Melody Robles was a smooth and efficient experience. She was professional, transparent, and quick to respond to all of my questions. The loan process was fast and straightforward. I highly recommend Melody to anyone looking for reliable hard money loan services."
Frequently asked questions.
We keep things simple—but questions still come up. Here are the answers to the most common things people ask us about getting funded.
What is a hard money loan?
Short-term real estate loans for investment properties.
Do I need good credit?
What properties do you lend on?
How fast is funding?
Can I borrow as an individual or LLC?
What interest rates do you offer?
What is a hard money loan?
Short-term real estate loans for investment properties.
Do I need good credit?
What properties do you lend on?
How fast is funding?
Can I borrow as an individual or LLC?
What interest rates do you offer?
What is a hard money loan?
Short-term real estate loans for investment properties.
Do I need good credit?
What properties do you lend on?
How fast is funding?
Can I borrow as an individual or LLC?
What interest rates do you offer?
Whether you're preparing to fund your next real estate deal or simply exploring your investment options, we're here to provide guidance, clarity, and support every step of the way.
Quick Links
E-mail:
prospective.ep@gmail.com
Licensed in Texas & New Mexico
Whether you're preparing to fund your next real estate deal or simply exploring your investment options, we're here to provide guidance, clarity, and support every step of the way.
Quick Links
E-mail:
prospective.ep@gmail.com
Licensed in Texas & New Mexico