© WHERE WE LEND AMARILLO · TX
HARD MONEY LENDER AMARILLO
Bridge, fix and flip, construction and rental money for Amarillo and the rest of Potter County.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Amarillo anchors the Texas Panhandle, sitting closer to several other state capitals than to Austin. Potter County demand comes from beef processing, freight moving along Interstate 40, aviation manufacturing and a tourism trickle off historic Route 66. Wolflin and the San Jacinto blocks carry the older architecture, and the rest of the city spreads in flat, affordable grids.
Every program on this site is available on Amarillo property and across Potter County. Investors who also buy in Lubbock, Wichita Falls and Midland run those deals through the same desk, which is the point: one lender who already knows the borrower, the entity and the exit strategy.
The desk is in San Diego, the capital is in house and the decision is made by one person. That is why an Amarillo file can go from a phone call to written terms the same day and to a wire in five to seven days. There is no branch to visit and no committee sitting between the deal and the money.
© THE COST AMARILLO · TX
WHAT DO AMARILLO HARD MONEY LOANS COST
What an Amarillo hard money loan costs comes down to four things: the leverage, the property, the exit and how much documentation you want to hand over. Bridge money runs from 9.00% to 13.00%, with leverage up to 75% on residential and 70% on commercial, on one or two year terms.
Terms arrive in writing first. That is deliberate: an Amarillo borrower should be able to underwrite the lender before spending a dollar on third-party reports. Bridge loans carry no prepayment penalty, so paying off early costs nothing but the days you used.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
Those are the published ranges, not a teaser. Where an Amarillo deal lands inside them depends on the property, the leverage and the exit. The fastest way to a real number is the address, the price and the plan.
© WHY LOAN GOAT AMARILLO · TX
WHY LOAN GOAT IN AMARILLO
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Most Amarillo investors arrive here after a bank fell through late. What they get instead is a lender with its own money, minimal documentation, no loan committee and no prepayment penalty. 1.3K+ closed loans since 2022 is the reason the timeline holds.
Brick and tile-roof homes from the 1920s and 1930s in Wolflin, bungalows along the San Jacinto blocks, and broad post-war ranch tracts filling the south and southwest of the city. Every one of those property types is on the eligible list.
Cash-flow buy-and-hold is the main reason investors work Amarillo. Cosmetic flips of post-war ranch turn cleanly, small multifamily is easy to operate, and the historic pockets reward careful renovation rather than a quick cosmetic pass. Whichever of those plays is on the table, there is a program written for it.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
AMARILLO DEALS, FUNDED FROM SAN DIEGO.
Potter County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS AMARILLO · TX
MOST COMMON AMARILLO LOAN SCENARIOS
- 1031 EXCHANGE Exchange deadlines do not move, so Amarillo replacement purchases get funded on the calendar, not on a bank's.
- AUCTION & HUBZU Auction and Hubzu purchases in Potter County funded on the short settlement clocks those platforms run.
- BANKRUPTCY BUYOUT Payoff money to clear a bankruptcy or partner buyout on an Amarillo property before the deadline.
- BANK STATEMENT LOANS Bank statement underwriting for Amarillo investors whose returns do not show the income the deal actually produces.
- FORECLOSURE AUCTION Amarillo foreclosure buys where the money has to be certain before the gavel.
- FOREIGN NATIONAL No US credit history and no domestic tax returns is a normal Amarillo file here.
- NON-WARRANTABLE CONDOS Condos in Amarillo that agency guidelines will not take, financed on their own merits.
- SELF-EMPLOYED Self-employed Amarillo investors underwritten on the property instead of two years of returns.
- VACATION RENTAL Short-term rental acquisitions and refinances in and around Amarillo, underwritten on the asset.
- CASH OFFERS ONLY Cash-equivalent certainty for an Amarillo offer that has to beat financed competition.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN AMARILLO
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES AMARILLO · TX
PROPERTY TYPES WE FINANCE IN AMARILLO
- MULTI-FAMILY Duplexes through apartment buildings across Amarillo on bridge, DSCR and commercial programs.
- MIXED-USE Amarillo mixed-use where a bank balks at the commercial half of the rent roll.
- RETAIL Amarillo retail purchase, refinance and cash-out on the bridge program.
- OFFICE Medical and small office buildings in Amarillo, including cash-out to fund a renovation.
- SELF-STORAGE Self-storage acquisition and expansion in Potter County on bridge and commercial programs.
- LAND Potter County land held for development, financed on value and plan.
© THE APPROACH AMARILLO · TX
HOW WE LEND IN AMARILLO
Read the table as a promise rather than a pitch. On an Amarillo deal it means the leverage quoted is the leverage funded, the timeline quoted is the timeline delivered, and the person who priced the file is the person who releases the money.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
AMARILLO BORROWERS, IN THEIR WORDS
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I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS
© QUESTIONS AMARILLO · TX
AMARILLO HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Amarillo and across Potter County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Amarillo files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on an Amarillo deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Potter County. Owner-occupied has its own program. If the Amarillo asset produces or will produce value, there is usually a structure for it.
Property types -
Amarillo gets the same treatment as Houston or Dallas. Loan Goat lends nationwide from San Diego, with 1.3K+ closed loans since 2022 across 46 states, so a Potter County file is routine rather than an exception. Programs run from small balance fix and flip through commercial and blanket loans. Property-first underwriting means market size does not decide the answer.
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Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers
© WHERE WE LEND AMARILLO · TX
AMARILLO, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE AMARILLO · TX
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(619) 617-2797
