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Program 06

Transactional Funding in Longview

Longview, Texas transactional funding for the A-to-B leg.

Transactional funding bridges the A-to-B leg of a double close so you can close the B-to-C the same day. We fund up to 100% of the purchase price with flat-fee pricing and no appraisal or credit check. In Longview, Texas the parcel's county decides the clerk and the courthouse. Business-purpose only, and every structure is set in underwriting.

Transactional Funding in Longview, TX from USA Mortgage
Same-day
funding
100%
of purchase
Days
not weeks
No credit
check

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

Funding is typically same-day with flat-fee pricing and no appraisal or credit check, since the loan is repaid from the simultaneous resale. Bring us the closing docs and we handle the rest.

Who it's for
Wholesalers
Assignment and double closes
Back-to-back closings
Time-sensitive resales
Typical terms
UseFunds the A-to-B leg
LeverageUp to 100% of purchase
TermDays, not weeks
PricingFlat fee
UnderwritingNo credit / appraisal
CloseSimultaneous
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*Typical terms, subject to underwriting and market conditions.

Local FAQ

Transactional Funding in Longview, answered.

What must a Longview wholesaler disclose in writing?
Two stacked Texas duties, and the second one must come first. Occupations Code 1101.0045 lets you assign a contract without a real estate license only if you do not use it to engage in brokerage and you disclose the nature of your equitable interest in writing to any seller or potential buyer; without that disclosure, the statute treats the activity as unlicensed brokerage. Property Code 5.0205 separately requires written notice to the buyer that you hold no legal title, and to the owner of your intent to assign, and the notice must precede the assignment contract. SB 1577 amended both effective January 1, 2024. This is not legal advice; your attorney has the final say.

Sources: texas.public.law

Which county clerk records a Longview double close, and what does it cost?
The clerk of the county where the parcel sits, Gregg or Harrison, and both legs record there. The city of Longview straddles both counties. Gregg's schedule effective September 1, 2025 charges $25 for the first page, $4 for each additional page and $0.25 per name beyond five. Harrison's January 1, 2026 schedule charges $25 for the first page and $4 for each additional page, and the city's fee schedule warns that Harrison charges for every page, including tax certificates. At Gregg's rates a 6-page deed records for $45 ($25 + 5 x $4), so two legs run about $90 in recording alone, an illustration and not a quote. Harrison accepts eRecording through CSC, Simplifile, EPN and Indecomm. Know the parcel's county before you quote closing costs.

Sources: greggcounty.texas.gov, harrisoncountytexas.gov

Is there a title or tax cost that stays the same on both legs?
Title premiums are set by the state, and there is no transfer tax to add. The Texas Insurance Commissioner fixes title premium rates (Insurance Code 2703.151), so an owner's policy for a given amount costs the same at every Longview title company; competition is on escrow service and closing-fee items. A 6.2% reduction took effect March 1, 2026. Texas also has no transfer tax, and the Constitution (Article VIII, section 29) bars the Legislature from enacting one. We did not find a Texas statute that prohibits a double close, which is not proof that one is allowed in every case, so ask your attorney and title company about your structure.

Sources: tdi.texas.gov

Is there a buyer pool for small multifamily assignments around Longview?
Yes, a real one for a county this size, with more city process above a duplex. HMDA data for Gregg County shows 60 duplex, triplex and fourplex originations in 2023 and 54 in 2024, out of 1,637 and 1,743 total originations, with the average 2-4 unit loan at $172,000 in 2023 and $202,778 in 2024. An end buyer of a triplex or fourplex may inherit an annual city license: Longview licenses multi-family complexes, starting with a $50 application and $100 for fewer than 10 units, and its Code Compliance program describes inspecting rental properties with 3 or more units. The fee schedule does not state that threshold, so have the buyer confirm it with Building Inspection.

Sources: ffiec.cfpb.gov, longviewtexas.gov

How do I support the resale price when Texas does not report sale prices?
With an appraisal or a broker opinion, because comps are harder to find. Texas is a sale-price non-disclosure state: no statute compels reporting a residential sale price to the appraisal district, and prices are not recorded on deeds. MLS-listed sales generally reach the district anyway, but off-market comps for a Longview assignment take more work. Non-disclosure is not confidentiality; a seller may disclose. We found no sourced Longview assignment-fee norm, so we do not quote one.

Sources: ntpts.com

More Transactional Funding questions, answered on the program page

Resources

Guides for Transactional Funding

Fix and Flip · 6 min read
Fix and Flip Loan Requirements: What You Need to Get Funded
Read the guide
Transactional · 4 min read
What Is Transactional Funding? (Double Closings for Wholesalers)
Read the guide
Fix and Flip · 5 min read
Can You Fund a Fix and Flip With No Money Down?
Read the guide
Getting Funded · 4 min read
How Fast Can a Hard Money Loan Close?
Read the guide
Browse all guides
Compare

Transactional Funding vs. other options

Comparison
Transactional Funding vs Hard Money
See the comparison
Comparison
Assignment vs Double Close
See the comparison
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Second MortgageKeep your first mortgageFix and FlipUp to 90% / 100% rehabRental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moBank Statement / No-DocNo tax returns requiredConventional InvestmentNon-owner-occupied investmentPortfolio LoansMultiple properties, one loanCRE PermanentLong-term agency & permSBA Financing7(a) & 504 placement

Transactional Funding elsewhere in Texas

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About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-09-04.

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