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About GL&L Holdings

Direct Loans

Houston's Direct Hard Money Lender

GL&L Holdings is a family-owned, direct private lender based in Houston, funding hard money loans for real estate investors with over 15 years of hands-on lending experience in this market.

Why We're Different

As a direct lender, we make our own lending decisions in-house. No board approvals, no middlemen, no waiting on someone else’s sign-off. Being family-owned means we can move fast, which translates into faster service and less processing time for you.

Most hard money lenders compete mainly on price. That approach tends to flood them with applications, which stretches their available capital thin and leads to more declines. We do it differently: competitive pricing, paired with a careful, individual review of every application that comes through our door. The result is a lender that says yes more often, especially when others say no.

Why Investors Choose GL&L Holdings

Local Expertise

We’ve funded over 1,500 loans for investors in Houston and beyond. That deep, local market knowledge lets us build lending solutions other private lenders simply can’t match.

Fast, Reliable Closings

We specialize in quick closings, often within days, so your project keeps moving without delay.

A Proven Track Record

We’ve worked with over 1,000 investors, helping them fund fix-and-flip, new construction, DSCR rental, and other real estate projects across the Houston area.

Professional Service, from Start to Finish

From your first loan consultation through closing, our team keeps the process transparent and straightforward.

Our Team of Real Estate Professionals

Herman Torres

Herman Torres

Managing Director / CEO

Liliana Mancera

Liliana Mancera

Chief Financial Officer

Lina Sandoval

Lina Sandoval

Chief Operating Officer

Raquel Torres

Raquel Colesio

Business Dev. Manager

Samantha Villagrana

Samantha
Villagrana

A/R Manager

Virginia Valbuena

Virginia
Valbuena

Senior Underwriter

Isabella Garcia

Isabella
Garcia

Office Administrator

Kristina Lim

Kristina
Lim

Social Media Manager

Simon Merida

Simon Merida

Underwriter

GL&L Team Members - Isaac Boye

Isaac Boye

IT Manager

Thaha Headshot

Thaha Mirza

CPA