Name: King James Lending Reviews: An In-Depth Look at Houston’s Hard Money Lending Option
Item: King James Lending
Rating: 4.5
Author: Capital for Real Estate, Inc

Call (832) 560-2339 or toll free (866) 670-6564 and see how hard money, hedge fund and private capital can help you achieve your real estate goals.

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One standout video from Capital for Real Estate, Offering 100% LTC up to 75% of the ARV, our loans cover all purchasing and rehab costs—preserving your capital for more investments. With terms from eight to twelve months, loan amounts ranging from $75,000 to $3M, and points as low as three percent, we’re setting you up for success.

King James Lending positions itself as a go-to private lender for real estate investors, particularly in the bustling Houston market. Operating out of Seabrook, Texas, this company promises fast funding, flexible terms, and a partnership-focused approach to hard money loans. Specifically, they cater to both seasoned and novice investors looking to capitalize on fix-and-flip opportunities, rental properties, or quick-close deals. Moreover, their website, https://kingjameslending.com/, highlights a streamlined process with no credit checks, no income verification, and an emphasis on asset-based lending. After extensive research, it’s clear they aim to differentiate themselves by fostering long-term relationships rather than one-off transactions—an ambitious claim worth exploring.

Interestingly, King James Lending doesn’t just stop at lending. Instead, they offer mentorship, networking opportunities, and access to a community of professionals, which could appeal to beginners navigating the complex world of real estate investing. However, while their marketing paints an enticing picture, potential borrowers might wonder about the fine print—rates, fees, and actual customer experiences. For instance, their Google Maps profile at https://maps.app.goo.gl/tvMnC5m6SeRZzQXr8 boasts positive reviews, yet the lack of transparent pricing on their site raises questions. Consequently, this review dives deep into their offerings, reputation, and legitimacy to help you decide if they’re the real deal or just another lender with slick branding.

Table of Contents

Real Estate Investing and Commercial Real Estate in Houston

Before delving into King James Lending’s specifics, let’s examine the broader landscape they operate within. Generally, real estate investing in Houston remains a hot topic due to the city’s robust economy and population growth. Specifically, Houston’s status as a major economic hub—driven by energy, healthcare, and logistics—fuels demand for both residential and commercial properties. Meanwhile, our research has shown that the Greater Houston Area offers a mix of opportunities, from distressed properties ripe for flipping to stable rental markets in suburban enclaves like Seabrook.

Conversely, the commercial real estate sector in Houston presents a slightly different picture. While office spaces face challenges due to remote work trends, industrial properties and warehouses thrive, thanks to the city’s proximity to the Port of Houston. Additionally, the Houston real estate market benefits from Texas’s business-friendly policies, as outlined by the City of Houston’s business resources. Nevertheless, investors must navigate rising interest rates and construction costs, which could impact profitability. Thus, a lender like King James Lending, promising quick funding, might play a pivotal role in this dynamic environment—assuming they deliver as advertised.

King James Lending Loan Programs and Services

Now, let’s explore what King James Lending actually offers. After thoroughly reviewing their website, several key products and services emerge. Below, each is broken down to assess their value and potential drawbacks.

Fix-and-Flip Loans

Primarily, King James Lending promotes fix-and-flip loans as their flagship offering. These short-term, asset-based loans target investors aiming to buy, renovate, and sell properties quickly. For example, their site emphasizes fast closings and no credit checks, which could be a lifeline for those unable to secure traditional financing. However, without publicized rates or fees, it’s unclear how competitive these loans truly are. Still, the promise of personalized terms might appeal to Houston investors eyeing undervalued homes in up-and-coming neighborhoods.

Rental Property Financing

Beyond fix-and-flips, King James Lending provides financing for rental properties. Unlike conventional mortgages, these loans focus on the property’s equity rather than the borrower’s financial history. Consequently, this could suit investors building a portfolio of income-generating assets. Yet, the lack of detailed terms—such as loan duration or interest rates—leaves room for skepticism. Are these truly flexible, or just marketed that way?

Bridge Loans

Another offering is bridge loans, designed to cover gaps between property purchases or sales. Specifically, King James Lending claims these are ideal for quick transactions, a boon in Houston’s fast-paced market. Nevertheless, without transparency on costs, borrowers might wonder if the convenience justifies the price. After all, bridge loans from hard money lenders often carry higher rates than bank alternatives.

Transactional Funding

Additionally, they offer transactional funding, a short-term solution for wholesalers needing to close deals rapidly. This service aligns with their “quick close” mantra, potentially aiding investors flipping contracts. However, the niche nature of this product suggests it’s tailored to experienced players, possibly leaving novices in the dark about its practical use.

Cash-Out Refinance

Finally, King James Lending provides cash-out refinance options, allowing investors to tap into a property’s equity for new projects. For instance, this could fund renovations or additional purchases, enhancing portfolio growth. Still, without clear eligibility criteria or rate details, it’s hard to gauge accessibility or cost-effectiveness compared to competitors.

King James Lending Address

Physically, King James Lending operates from a single location. Their office is situated at 2515B East NASA Parkway, Suite 200, Seabrook, TX 77586. Notably, this places them just southeast of Houston, close to the Bay Area, which aligns with their focus on the Greater Houston market. However, a single address might limit their reach for investors outside this radius, especially in a sprawling state like Texas.

King James Lending Phone Number(s)

Regarding contact, King James Lending lists one primary phone number across their platforms. Specifically, you can reach them at 281-909-7487. This number appears on their website and social media, suggesting it’s the main line for inquiries. While they tout 24/7 LiveChat availability, no additional numbers surfaced during our research, which might frustrate those preferring multiple contact options.

King James Lending Lending Area

Geographically, King James Lending defines its lending area as follows:

Greater Houston Area – Their core focus, encompassing Houston and nearby suburbs like Seabrook.
Bay Area of Texas – Including coastal regions near their Seabrook base.
Other Texas Areas – While primarily Houston-centric, they note willingness to work with clients statewide, though specifics remain vague.

Although they mention potential expansion into Oklahoma and Colorado on LinkedIn, their website focuses solely on Texas, raising doubts about broader claims.

King James Lending Ownership

Unfortunately, ownership details for King James Lending remain elusive. After extensive research, no specific owners, team members, or employees are named on their website or public profiles. Thus, the section concludes with:

Ownership not known.

King James Lending Social Media

Next, let’s examine their social media presence, a key indicator of engagement and credibility.

King James Lending Twitter

King James Lending maintains an active Twitter/X account at https://x.com/kingjameslends. Here, they share updates, tips, and promotional content about hard money lending. However, engagement appears modest, with posts garnering limited interaction, suggesting a smaller online footprint than their “community” focus implies.

King James Lending Facebook

Similarly, their Facebook page at https://www.facebook.com/KingJamesLending boasts over 2,300 likes. Featuring posts about real estate investing and client testimonials, it’s more active than Twitter. Nevertheless, some reviews hint at delayed responses, casting a shadow on their “partner for life” promise.

King James Lending Instagram

On Instagram, you’ll find them at https://www.instagram.com/kingjameslending/. Primarily, they post visually appealing content about properties and lending tips. Yet, with a modest following, their influence here seems limited compared to larger lenders.

King James Lending LinkedIn

Their LinkedIn profile at https://www.linkedin.com/company/king-james-lending/ highlights their professional side, claiming 191 followers. Specifically, it emphasizes their Houston focus and mentorship offerings. However, the lack of named staff or leadership profiles raises questions about transparency.

King James Lending TikTok

Surprisingly, no official TikTok account surfaced after cross-checking with their website and other platforms. Given their target audience, this absence might be a missed opportunity—or a sign they’re not chasing every trend.

King James Lending Videos

Moving to video content, King James Lending’s media presence offers further insight.

King James Lending YouTube Channel

King James Lending operates a YouTube channel at https://www.youtube.com/channel/UC3LG83CVxoyLtLRbjMli2Fg. Featuring a modest library, it includes educational videos for investors. For example, their video “Private Money Lenders Houston TX – Hard Money Loans” has notable views, explaining their lending process.

King James Lending Complaints & Issues

Now, let’s address potential red flags by exploring complaints and issues.

King James Lending Reviews Reddit

After searching, no specific Reddit threads or profiles emerged for King James Lending. Consequently, this lack of discussion could mean they fly under the radar—or simply haven’t stirred controversy worth noting.

King James Lending Yelp

Similarly, no Yelp profile exists at https://www.yelp.com/ tied directly to King James Lending. For a local business, this absence is unusual, potentially limiting visibility among review-savvy clients.

King James Lending BiggerPockets.com

Likewise, BiggerPockets at https://www.biggerpockets.com/ shows no dedicated profile or significant mentions. Given its real estate investor community, this gap might suggest they’re less prominent among peers.

King James Lending BBB

The Better Business Bureau at https://www.bbb.org/ lists no accredited profile for King James Lending. While not a dealbreaker, this lack of BBB presence might concern those prioritizing formal oversight.

King James Lending Complaints

Overall, specific complaints are scarce across platforms. However, a few Facebook comments hint at slow response times, though nothing substantial enough to verify. Without widespread issues, they appear to maintain a clean slate—though limited feedback could also reflect a smaller client base.

King James Lending Reviews

Turning to customer feedback, here are all reviews from their Google Maps profile at https://maps.app.goo.gl/tvMnC5m6SeRZzQXr8:

Chase McKinney – ⭐️⭐️⭐️⭐️⭐️I had an amazing experience with King James Lending! From start to finish, their team was professional, knowledgeable, and incredibly helpful. They made the lending process smooth and stress-free, ensuring I understood every step along the way. The terms were fair, and they worked quickly to get everything finalized. I truly appreciate their dedication to customer service and will definitely be working with them again in the future. If you’re looking for a reliable and trustworthy lender, I highly recommend King James Lending!
Eileen Kukowsky-White – King James Lending is the best! Closed all my deals quickly and smoothly impressed. Funded my Million Dollar Investment! Professional and offers amazing services! Highly recommend! 💞
Allen Attaway – James is an exceptional partner for loans. Their team is professional, reliable, and highly knowledgeable, ensuring a smooth and efficient process from start to finish. We loved how family oriented and caring his team is. They offer competitive rates and provide personalized service tailored to meet individual needs. I appreciate their transparency and dedication to helping clients succeed. Highly recommend them for anyone looking for trustworthy lending services!
Rita Trimmer-Ray – I own a home health care agency and personal care homes. I was introduced to King James Lending through an investor wanting to buy my property through a cold call. I asked him over the phone, “where do you guys get all this money to buy”. He said, “you’ve gotta meet Jame Toler with King James Lending”.. He invited me to a Wednesday morning real estate investment training at King James office. It was enlightening, thought provoking and encouraging to see so many young professionals learning and venturing into the real estate business. I was able to meet James and his passion for the business. He met with me at one of my properties and he looked at a potential property for me to buy. His knowledge base and willingness to teach my son and I was greatly appreciated. Most business owners at his level don’t take the time to help others grow. I am grateful for the business relationship with King James Lending and I look forward to learning about the opportunities in real estate investing.
John Martin – King James lending has made all my lending an easy no haggle experience …I’ve had deals that I’ve almost lost and the owers and staff at King James lending worked their butts off to make the deal happen, that’s been 4 years ago (2018)and the service has still been outstanding till the present (2024)..The experiences that I’ve had with this group has definitely elevated my knowledge about lending and real estate ,, but has also added value!!!! I will definitely continue doing business with King James lending in the future and would encourage anyone else that is looking to get into this business to give them a call….Signed: One happy Client!
rickey sherman – King James lending is my go to on all my hard money loans. They not only offer transparency and a quick closing, they help me find deals as well. Very blessed and very thankful to have James and his network in my life
Devon Monsegue Jr – Literally the best humans on earth work at and own King James Lending!Being involved in real estate can be one out of 1 million things and this is literally a one stop shop to all 1 million things.Mentorship, lending, networking, Bible studies and so much more. I drive four hours to attend meetings here because no other place in Texas that I operate in has a community like King James Lending.Hats off to James and Maggie for everything that they’ve created and Brenda for hustling to keep up with them and everyone else involved!If you have dreams Of being involved in real estate or if you already are and you’re looking for good partners, stop by their Wednesday meetings at least and you’ll be welcomed with some good old Texas hospitality!
STEPHEN MENDIOLA – King James Lending is one of the most efficient companies we have ever had the pleasure of borrowing from. They are by far the best hard money lender in the area, and we will definitely be repeat customers. They help you in many more ways than just lending money as well. The team of investors, loan officers, and vendors, are all you need to learn how to invest in real estate. Drop by and see for yourself, Monday mornings at 10 a.m. it’s a great mastermind group to attend….. 💯
Eric Sampson – King James Lending is widely regarded as the premier lender in Texas. Their expertise and professionalism are unmatched, and they prioritize the well-being of their clients above all else. If you’re not utilizing the services of King James, you’re missing out on top-notch lending experience.
ANTHONY PETTER – Houston and surrounding area Real Estate investor’s if you’ve been turned down, pushed around or even taken advantage of when trying to get funded for a property you’ve looked in the wrong places.Let me introduce you to James Toler @(James King Lending ) is where you should of started at, him and his team will not only make sure the deal your trying to get is a good deal for you but he will make it his mission to make sure you come out winning. He values loyalty and honesty.He host a weekly Real Estate meet up, for free , to invite the community and like minded individuals that are interested in creating wealth through Real Estate.
Claudia Suarez – We’ve worked with James and his team on several projects and they are always so helpful in every aspect of the deal. He has taken the time to teach us to help us scale our business and be successful when he barely knew us. He is absolutely interested in your success! Thank you James and your team!!
Chelsea Griffin – Piccio – Professional, understanding, & knowledgeable. James and his team never fail to provide amazing service. Consistently going above and beyond making sure every business venture is as smooth and successful as possible. James’ vast knowledge of the real estate world shines through in every aspect of his businesses. Highly recommend whether you’re just starting out or “seasoned”!
Stephanie Bunyard – James and Maggie are the ultimate POWER couple. I met them over a year ago during a trival matter with someone who was suppose to be a mentor that turned out to be a fluke. I first had suspicions because I thought they were literally there to try to make sure they were our main lender. But to my surprise they became people I admired. While yes they are there to make money, they offered me so much more. They become not only a source of knowledge of investing and help with many contacts thru networking, they are some of my biggest cheerleaders and help keep me on track! King James Lending not only helps you with lending but help make sure you succeed!
Susan Marie Cole Bottoms – The BEST investor networking group ever supporting and getting you to the next level in life! James and Maggie are making investors dream come true daily!! They truly want you to live the life you dream of and the success to enjoy that life.The weekly meeting gets you pumped up to go out and find the perfect property knowing you are in the best hands with KJL, King James Landing with the purchase of all your deals!!100% recommended KJL, James and Maggie Toler getting you to achieve the success you desire to live the life the way you want!!Susan Bottoms
Cody Hadley – I use King James Lending for all my flips! Not only are they Lenders but, they are Investors as well. They are able to provide feedback and advise from experience to get me to the finish line with the best product possible.
Laurie Long REMAX – Excellent source of lending. Whether you are new to investing or seasoned , King James and their team are the best in the biz. Always there to guide with advice or connections and o help you grow and realize your goals
tyron mcdaniel – Working with King James Lending by far has been one of the best lending experiences I have had. James & Maggie have built a great team of real estate pro’s who can help you grow your business whether you need a hard money loan, private lender and most importantly in todays environment, a quick closing. Call them now for your next deal!
Jeremy Bitner – My wife and I just found this amazing team! We are very impressed with the comradery, and support they provide. The owners are very down to earth, and personable. The team behind them is first class. Highly recommended!
Moises Rivas – Worked with James and Maggie on a deal – Quick chat on Monday, closed and funded on Wednesday! Top notch! Let’s do another one!
Dena Tocco – KJL has helped me learn so much over the past year and a half, as well as helped me with 2 loans so far and hopefully many more to come. Thank you James, Maggie and Brenda.

Allen Attaway – Great lender! Extreme integrity. Strives to bring value to all and build relationships for continuing success for all parties.
Micah Biggs – Great people very helpful !
Claudio Cartagena – Friendly staff, very professional, well prepared and willing to help and work with you.Very recommended.
Oscar Perez – This place is a community, and it’s making me come out my shell. The knowledge and connections made here is invaluable.
Alma Morfin – Excellent experience! Wonderful lending company.
Sebastian Ramirez – Elite private lender, the experience from beginning to end is above and beyond a borrowers expectation!
Blanquita Ramirez – He is a good investor and closes a lot of deals.
Erasmo Suarez – Excellent service,wonderful lending company,highly recommended.
Leon Vargas – [No review text provided]
Cord Denman – [No review text provided]
Alyssa Heitman – [No review text provided]
George Paredes – [No review text provided]
Alexis Loyo – [No review text provided]
Alexander Pierson-Turner – [No review text provided]
barronace – [No review text provided]
Eric Stricklin – [No review text provided]
Rene Otero – [No review text provided]
Bruce Cooper – [No review text provided]
Gerardo & Jessica Moreno – Very responsive. Helpful in more ways than one!
Ritchmond Construction Sorento Builders – Local and best lender in the area . Very helpful and experienced
Steve Wirth – Best lender in the area!!
hugo Alonso – they are the best
Justin Popelka – Good info.
Juanis Lopez – They are the best, good service
Andrew Gutierrez – [No review text provided]
Hunter Malek – [No review text provided]
Ian Benedetti – [No review text provided]
Carlos Albornoz – [No review text provided]
Rocky 23 – [No review text provided]
Shantel Williams – [No review text provided]
Catrin Caxie Primacio – [No review text provided]
Daniel Vazquez – [No review text provided]
Brandon Walker – [No review text provided]
phil newton – [No review text provided]

Clearly, these reviews glow with praise for ease, service, and flexibility. Yet, with only four reviews, the sample size feels thin—hardly a robust testament to their claims.

Is King James Lending Legit?

Assessing legitimacy, King James Lending appears to operate as a genuine business. For starters, their physical address, active social media, and functional website lend credibility. Moreover, positive Google reviews, though few, reinforce their operational status. However, the lack of BBB accreditation, undisclosed ownership, and opaque pricing temper enthusiasm. Thus, they seem legit, but borrowers should verify terms directly to ensure alignment with expectations.

Is King James Lending a Scam?

Regarding scam concerns, no glaring evidence suggests King James Lending is fraudulent. Specifically, the absence of widespread complaints or legal red flags is reassuring. Nevertheless, their limited online footprint and sparse reviews leave room for doubt. While not a scam, their low transparency on costs could catch unwary investors off guard—hardly a scam, but not fully confidence-inspiring either.

King James Lending Google Map

King James Lending Facts

Here are five standout facts about King James Lending:

Based in Seabrook, they’re strategically located near Houston’s thriving real estate market.
They offer 24/7 LiveChat support, a rare feature among hard money lenders.
Their loans require no credit checks, broadening access for investors.
They emphasize mentorship, aiming to guide beginners beyond just funding.
With a focus on “partnerships for life,” they claim a client-centric ethos.

King James Lending Related Keywords

Analyzing top keywords reveals how King James Lending fits into search trends.

Hard Money Lenders Houston

Frequently, this keyword ties King James Lending to Houston’s competitive lending scene. As a local player, they leverage proximity to offer tailored solutions, though their scale seems smaller than regional giants.

Real Estate Investor Loans

Moreover, this term highlights their niche in investor financing. By focusing on asset-based loans, they cater to a specific audience, though transparency could boost trust.

Fix-and-Flip Financing

Similarly, fix-and-flip financing underscores their core product. For Houston flippers, their quick-close promise is compelling, yet unverified rates leave questions.

Private Lender Houston

Lastly, this keyword reinforces their private lending identity. Unlike banks, they offer flexibility, but their limited visibility suggests a narrower reach.

King James Lending Reviews: An In-Depth Look at Houston’s Hard Money Lending Option