A hard money lender in Dallas, TX is a financial institution or individual that provides short-term, high-interest loans secured by real estate. Unlike traditional banks or mortgage lenders, hard money lenders primarily base their lending decisions on the value of the property being used as collateral rather than the borrower’s creditworthiness. Hard money lenders play a crucial role in real estate investing, offering a flexible and fast financing option for those who might not qualify for conventional loans.