Private Residential Real Estate Loans
Owner-occupied home financing in Hidalgo & Cameron County, Texas. Fast approvals in 1–2 business days.
15+ Years of Private Lending Experience • Local Texas Lending Decisions • Direct, Relationship-Based Approach
This program is a non-conventional private home loan: it is funded by our investors, not a bank, and approval is based on the property. It is for buying an owner-occupied primary residence in Hidalgo or Cameron County. Buying an investment property, vacation home, land or commercial building instead? See our commercial and investment property loans. Wondering how this compares to a bank? Read how a private home loan in McAllen works without a bank.
Loan Terms
Interest Rate
12.95%
Fixed rate for entire term
Term Structure
30-Year Amortization
10-Year Balloon
Flexible refinancing options
LTV
Up to 70%
Origination Fee
3 Points
Prepayment Penalty
None
Appraisal
County-Based
Why Choose Our Private Money Mortgages?
Rapid approval - typically 1-2 business days
Primary residence financing up to 70% LTV
County-based valuations - we are the appraisers
No credit score requirements
Serving Hidalgo & Cameron County exclusively
No prepayment penalty - refinance anytime
Streamlined process with local expertise
Loan amounts from $100,000 to $500,000 (up to $1M on occasion)
Calculate Your Payment
Private Money Mortgage Calculator
Calculate your monthly payment and balloon balance
Interest Rate
12.95%
Term
30 Years
Balloon
10 Years
Origination
3 Points
* This calculator provides estimates only. Final terms subject to underwriting and approval.
Eligible Properties
✓ Eligible
- • Primary residences (owner-occupied)
- • Single-family homes
- • Multi-family (2-4 units)
- • Located in Hidalgo County
- • Located in Cameron County
- • Purchase transactions
✗ Not Eligible
- • Home equity loans
- • Home refinance
- • Investment properties (see commercial loans)
- • Vacation homes (see commercial loans)
- • Properties outside Hidalgo/Cameron County
- • Commercial properties (see commercial loans)
Frequently Asked Questions
Is this the same as a hard money loan?
Many people use the term "hard money loan" when they're looking for fast, property-based financing. Global Fox Financial provides private residential real estate loans secured by property in Hidalgo and Cameron County. While our loans may be similar to what some call "hard money," we do not offer fix-and-flip, rehab, or construction financing. Our focus is on straightforward residential real estate loans with conditional approvals in 24–48 hours. Our private residential real estate loans are available for properties located in Hidalgo and Cameron County.
Who funds these home loans?
Our residential loans are non-conventional private loans funded by our investors, not by banks. We do not offer conventional bank mortgages or DSCR loans.
What are the residential loan terms?
A 12.95% fixed rate, 30-year amortization with a 10-year balloon, up to 70% LTV, 3 points origination, and no prepayment penalty.
Which homes qualify?
Owner-occupied primary residences — single-family or 2–4 unit — for purchase transactions in Hidalgo or Cameron County. Investment properties and vacation homes are financed through our commercial program.