Corpus Christi Hard Money Lender

Corpus Christi Hard Money Lender

In the Corpus Christi real estate market, grabbing properties before your competition is essential for making the best deals. Although real estate investors sometimes go the traditional route and seek bank loans, the process is anything but speedy.

When time is of the essence, waiting for the lengthy process of getting approval is not an option for most investors. Corpus Christi hard money lenders specialize in providing hard money loans which provide quick funds to investors. These loans are for a non owner occupied property or in some cases for business purpose loans.

Corpus Christi Hard Money Lender FAQ’S

Below are some of the most frequently asked questions we get regarding hard money loans and lenders in Corpus Christi.

What Do Corpus Christi Hard Money Lenders Specialize in?

Corpus Christi hard money lenders specialize in providing short-term, creative financing for real estate investors. If you seek a conventional lender to purchase an investment property, your loan request will be based on the property’s value and your assets. Your credit score, job, and finances will be scrutinized intensely.  Hard money lenders base their final loan decisions on the after-repair value. The ARV represents the potential value of a property after all repairs have been accomplished.

What are the Benefits of Corpus Christi Hard Money Loans?

Corpus Christi hard money loans offer advantages that traditional banks cannot. Lenders like Acamnet Financial offer a higher level of flexibility than banks.  When qualifying for this type of loan, lenders do not delve too deeply into the finances of real estate investors. In most cases, simply present the property and your plans, which saves you the hassle of gathering countless financial documents.

Do Corpus Christi Hard Money Lenders Look at my Credit Score?

One of the greatest benefits of working with Corpus Christi hard money lenders is the lack of credit score requirements. One of the first things a bank does is check your credit score.  You can get approved for a hard money loan in Corpus Christi even if you have bad credit or poor credit, bankruptcies, and foreclosures in the past. Corpus Christi Hard money lenders primarily care about the property you are purchasing.

What is the Interest Rate & Points for Hard Money Loans in Corpus Christi?

Interest rates for hard money loans in Corpus Christi are typically higher than traditional bank loans (conventional loans) because of the greater risk lenders must take on when approving loans. When searching for a hard money lender near me in Corpus Christi, you will find average interest rate is between 8%-15%.  You should also be aware that lenders sometimes charge points that are meant to offset their administrative costs. Each point represents 1% of the total loan amount.  The average points lenders charge is between 1 to 3. Some lenders may charge up to 10 points. These points are due upfront or at closing, depending on the lender.

What Should I Look for in a Corpus Christi Hard Money Lender?

There are many benefits to working with a Corpus Christi hard money lender.  You just need to make sure you are working with the right lender.  You can rely on Acamnet Financial Group when you need us most.  We offer reliability, consistency, experience, and support.  As a real estate investor, you know the importance of grabbing the best property deals when they become available.

How can Hard Money Lenders in Corpus Christi Help Me?

Whether you are new to real estate and real estate projects or an old pro, you know having the capital to purchase real estate is essential. Without funds, you will miss out on real estate transactions.  When you partner with hard money lenders in Corpus Christi, you will quickly get the money you need without jumping through the hoops of traditional bank lenders.

How do I get a Hard Money Loan in Corpus Christi?

When you want a hard money loan in Corpus Christi, begin by preparing the property information. Location, size, purchase price, after repair value, repair costs, etc.  In most cases, the financing will be based on these numbers.  Then, apply for a hard money loan in Corpus Christi using this information and supply some financial information.  Then, an appraisal will be ordered to assess the loan-to-value ratio, which will influence the loan amount.

How do I Refinance a Corpus Christi Hard Money Loan?

Refinance a Corpus Christi hard money loan will involve moving from a high interest, short term loan to a longer term, usually lower interest rate loan. Typically a conventional type of loan.  When refinancing a Corpus Christi hard money loan you will find it will have a more stringent set of guidelines.  You will need to have sufficient credit and income qualifications.  As the lending landscaping and regulations constantly change, you want to consult a knowledgeable conventional loan expert.

Here’s other cites we can help with in Texas: Hard money lender Texas

Current Real Estate Trends In Corpus Christi (2024)

The current real estate trends in Corpus Christi exhibit a stable and growing market. This is evident in the median listing home price of $304.5K and the median listing price per square foot of $176.

The median sold home price is slightly lower at $274.6K, but the sale-to-list price ratio remains high, with 99.17% of homes selling for the asking price on average.

Presently, Corpus Christi is characterized as a buyer’s market, with a surplus of homes relative to demand and an average of 64 days on the market.

The average home value stands at $216,358, experiencing a slight increase of 0.3% in the past year. Furthermore, the market overview indicates a positive forecast, with an upward trend in inventory and new listings.

The median sale price is $263,167, while the median list price is $300,853. The market exhibits a mix of sales above and below the list price, with 17.6% above and 64.2% below. The median days to pending is 29.

Overall, investing in Corpus Christi homes presents potential for profit, given the market’s expected growth in the short-term and long-term.

Housing Market Highlights

The housing market in Corpus Christi is currently experiencing an increase in median listing home prices, with a 6.9% year-over-year growth, indicating a positive trend in the real estate market.

The median listing home price in October 2023 is $304.5K, reflecting an upward trajectory. This growth suggests a strong demand for housing in the area.

the sale-to-list price ratio is high, with 99.17% of homes sold for the asking price on average.

However, Corpus Christi is currently considered a buyer’s market, as the supply of homes is greater than the demand. The average days on the market is 64, indicating that homes are taking some time to sell.

These housing market highlights provide an overview of the current real estate trends in Corpus Christi, setting the stage for a detailed analysis in the subsequent section about the market overview.

Market Overview

Based on recent data, the median list price of homes in the Corpus Christi area stands at $300,853 as of October 31, 2023. This indicates a slight increase in the median list price compared to the previous year.

It is noteworthy that 17.6% of sales in September 2023 were above the list price, while 64.2% were below the list price. The median sale to list ratio for September 2023 was 0.981, suggesting that homes were sold close to their asking price.

The median days to pending for homes in the area was 29, indicating a relatively fast-paced market.

These statistics highlight the current state of the Corpus Christi housing market and provide valuable insights for property investment analysis.

Property Investment Analysis

Property investment analysis in the Corpus Christi housing market provides valuable insights into the potential profitability and growth opportunities for investors looking to capitalize on the city’s real estate market.

With a median home price of $216,358 and a 0.3% increase in the past year, Corpus Christi offers a relatively affordable market for investment.

The market overview indicates a median sale price of $263,167 and a median list price of $300,853. The sale-to-list price ratio stands at 0.981, indicating that homes are generally sold close to their asking price.

The market shows a buyer’s market condition, with a supply of homes greater than demand and an average of 29 days for homes to go pending.

These factors suggest potential opportunities for investors to profit from their investments in Corpus Christi real estate.


All About Corpus Christi

Are you ready to explore all the amazing attractions in Corpus Christi? This coastal city in South Texas is filled with history, culture, and natural beauty. With a population of over 300,000, Corpus Christi is a great combination of small-town atmosphere and big-city amenities. It has a long history, dating back to Spanish explorer Alonso Álvarez de Pineda in 1519. It is home to major institutions such as the Naval Air Station Corpus Christi and the Port of Corpus Christi. Visitors will be amazed by the city’s stunning geography and environment. It has a large shallow bay that attracts a variety of birds, giving it the name of the Bird Capital of North America. Unfortunately, Corpus Christi has been through some natural disasters, including hurricanes. Let’s take a closer look at the unique features of this city.

Corpus Christi has much to offer, including a wealth of historical sites and museums. The city is also home to several art galleries and performing arts centers, as well as many outdoor activities. There are beaches, parks, and trails to explore, all offering breathtaking views. Visitors can also enjoy fishing, boating, and birdwatching. The city has a lively nightlife, with a variety of bars, restaurants, and clubs.

The people of Corpus Christi are friendly and welcoming, and there is a strong sense of community. Residents are proud of the city’s history and culture, and they take great pride in their heritage. There are many cultural events and festivals throughout the year, as well as a variety of art and music events.


Corpus Christi is a vibrant city situated in South Texas along the Gulf of Mexico. It has stunning beaches, crystal-clear waters, and picturesque sunsets, making it a popular tourist destination. The city is also home to the fifth-largest port in the US, the Port of Corpus Christi, and has a lively arts and culture scene.

Corpus Christi has a long history that dates back centuries. It was colonized by Spain and was involved in the American Civil War. Its location, economy, and culture have all played a part in shaping the history of Texas.

Exploring the city’s past is a great way to get to know the city and its people. You can visit the museums, galleries, and theaters to learn more about its creative spirit. Nature enthusiasts can marvel at the diverse marine life and take in the stunning views of the coastline.

Historical Background

Named by a Spanish explorer during the 16th century, Corpus Christi is a coastal city in South Texas with a rich history. Alonso Álvarez de Pineda gave it the name ‘Corpus Christi’, which translates to ‘Body of Christ’ in Latin.

Permanent settlement commenced in 1839 and the city was officially incorporated on September 9, 1852.

The American Civil War left its mark on Corpus Christi when it was the site of the Battle of Corpus Christi.

The year 1926 saw the opening of the Port of Corpus Christi, now the fifth-largest in the United States. It became a key hub for trade and commerce.

Major Institutions

Home to prestigious institutions such as the Naval Air Station and the Port, Corpus Christi is well known for the major establishments that have shaped its identity and economy.

Established in 1941, the Naval Air Station Corpus Christi serves as a crucial training site for pilots of the US Navy, US Marine Corps, and US Coast Guard. It features modern amenities and aircraft that dot the skyline, as well as a long history of creating skilled aviators.

The Port of Corpus Christi is an important contributor to the local economy. Being one of the largest ports in the United States, it processes a lot of crude oil, petroleum products, and bulk commodities. Its strategic position on the Gulf of Mexico makes it a gateway for international trade and a vital part of the area’s growth.

In addition to these large institutions, Corpus Christi is home to the Corpus Christi International Airport, connecting the city to various locations across the country. Moreover, the city acts as the hub of the Corpus Christi-Kingsville combined statistical area, promoting the region’s overall development.

Natural Disasters

Surrounded by the vast Gulf of Mexico, people in Corpus Christi must be ready for the tremendous forces of nature that sometimes unleash their power on this coastal city. Corpus Christi has witnessed its share of natural disasters, like hurricanes that have left an impact on the city’s history.

2017 saw Hurricane Harvey cause widespread flooding and damage. Just three years after, Hurricane Hanna made landfall, testing the endurance of the city and its people. Nonetheless, Corpus Christi has taken measures to secure itself from these disastrous storms. The seawall, built after the devastating 1919 Storm, serves as a safeguard against storm surges.

Despite the difficulties posed by these natural disasters, Corpus Christi still remains a bustling city that keeps on flourishing. To comprehend how the city’s location and environment add to its exceptional character and the great quantity of wildlife that call Corpus Christi home.

Geography and Environment

Situated on fluvial deposits of Holocene—Pleistocene age, Corpus Christi offers a stunning landscape that is captivating and diverse. Its large, shallow bay serves as a refuge for a variety of bird species, making it the Bird Capital of North America. The Deweyville Formation in the area is home to calcium carbonate deposits, adding to the area’s natural beauty.

Approximately 66.40% of the city is covered by water, offering breathtaking views and opportunities for water-based activities such as boating, fishing, and swimming. A protective seawall lines the coastline, providing protection from the powerful surges of hurricanes that sometimes visit.

The San Diego Audubon Society has named Corpus Christi as America’s birdiest place, demonstrating its dedication to preserving its biodiversity. With its mild winters and hot summers, the climate is beneficial to the growth of diverse plant and animal life.

Whether you’re a nature lover or someone who admires the outdoors, Corpus Christi’s geography and environment will astound and mesmerize you.