Flexible Funding for Serious Investors
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.
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.
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.
Down Payment
Borrowers can expect to contribute a down payment of 20% to 30%, depending on the specifics of the deal.
Loan Term
Our standard loan term features a 30-year amortization schedule with a 5 to 7-year balloon payment structure.
Loan Term
Our standard loan term features a 30-year amortization schedule with a 5 to 7-year balloon payment structure.
Loan Term
Our standard loan term features a 30-year amortization schedule with a 5 to 7-year balloon payment structure.
Loan Term
Our standard loan term features a 30-year amortization schedule with a 5 to 7-year balloon payment structure.
Funding Time
We typically fund loans within 1 to 3 business days—with many approved loans funded in as little as 24 hours.
Funding Time
We typically fund loans within 1 to 3 business days—with many approved loans funded in as little as 24 hours.
Funding Time
We typically fund loans within 1 to 3 business days—with many approved loans funded in as little as 24 hours.
Funding Time
We typically fund loans within 1 to 3 business days—with many approved loans funded in as little as 24 hours.
Interest Rates
Competitive interest rates between 10% and 12% help you move quickly while staying within your budget.
Interest Rates
Competitive interest rates between 10% and 12% help you move quickly while staying within your budget.
Interest Rates
Competitive interest rates between 10% and 12% help you move quickly while staying within your budget.
Interest Rates
Competitive interest rates between 10% and 12% help you move quickly while staying within your budget.
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.
Credit Requirement
We work with a variety of credit backgrounds, requiring a minimum credit score of 550 to qualify.
How it Works
No Guesswork. Just a Simple, Fast Funding Process You Can Count On.
1
Apply: Fill out our short intake form or schedule a quick discovery call.
2
Approval: We verify the project and borrower, then send over a contract.
3
Documents: Our attorney prepares and submits documents to the title company.
4
Funding: Once both parties sign, funding is released—typically in 3–5 days.
What You'll Need
Copy of ID
To verify your identity and ensure compliance with regulations.
Credit Score
Minimum of 550, this helps us assess your financial standing and determine eligibility.
Proof of Private Investment
Documentation to confirm your private funding.
What Makes Us Different
Lending should work for you, not the other way around. That’s why we offer streamlined approvals, personalized guidance, and flexible solutions designed around your timeline and goals.
Fast and Easy Approval
Get the funding you need quickly, without the long wait typical of traditional loans.
No Bank Statements Required
Streamlined process—no need for extensive paperwork or bank statements.
Personal Support from a Local Team
Our team knows your market and provides personalized assistance throughout the process.
Lending Tailored to Fit Your Timeline and Strategy
We work with you to ensure your loan aligns with your unique goals and timelines.
Impact
Impact
We want to enable everyone to build wealth through real estate.
We want to enable everyone to build wealth through real estate.
Transparency
Transparency
We operate with utmost transparency with our investors. No surprises.
We operate with utmost transparency with our investors. No surprises.
Simplicity
Simplicity
We focus our energies on making the complex simple.
We focus our energies on making the complex simple.
Reliability
Reliability
We work to provide the safest investment experience.
We work to provide the safest investment experience.
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."
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
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