When traditional financing isn’t available- A Florida-Mortgage-Lenders.com hard money lender may be your best solution. The purpose of a Florida hard money loan is to provide a more efficient, shorter term loan at a premium price when conventional financing isn’t possible. Florida hard money lenders provide equity-based real estate loans made by private Florida mortgage lenders rather than traditional banks.


Lower rates, lower fees = Bank Loan

Quicker closing, less red tape, Credit less scrutinized = Use a Florida Hard Money Lender


  • 1 – 4 unit primary, second homes, vacation homes, and investment SFR, condos and townhomes. Primary 1 – 4 unit Florida hard money transactions must meet specific guidelines.
  • Property with title vested in a corporation, LLC, LLP are OK
  • Apartment Buildings (5+ units)
  • Mobile Home Parks
  • Office and Medical Buildings
  • Multi-Unit Retail
  • Mixed-Use Properties
  • Hotels and Motels, Resorts
  • Athletic Clubs
  • Restaurants & Taverns
  • Dry Cleaners
  • Car Washes
  • Interest rates, terms, and points for Hard Money loans





  • Interest rates vary between 8.0% and 13.95%.
  • Payments are either amortized or interest-only or fully amortized with a balloon.
  • Maximum Loan-to-Value (“LTV”) up to 75%
  • Points and Fees apply. The percentage of fees for Florida  hard money loans varies based on a number of factors.
  • Terms vary between 12 months and 30 years.
  • An Appraisal is NOT required for most transactions
  • More info
  • Indicates the Note rate, not APR.


  • Owner primary, second Florida homes and vacation homes, investment property, and Florida commercial hard money loans are eligible
  • Florida Property title vested in a Corp, LLC, LLP, or trust is eligible

Borrow up to a maximum 75% of the conservative value of your residential property for purchase, refinance, or cash-out purposes (note: case by case).

  • 1st and 2nd hard money Florida loans available
  • Single family hard money loans including: condos,  townhome, 2-4 units, 5+ unit apartments, mixed-use and commercial Florida income property are acceptable collateral.
  • Good credit is NOT required – Bad Credit Florida home loan OK– sufficient equity in the property is a must. Purchase a Florida home right after a Bankruptcy or Foreclosure.
  • Fast Florida hard money closings at the most 2-3 weeks


Our Hard money Lenders only Lend in Florida.

  • Minimum hard money residential loan is $50,000
  • No hard money residential land loans unless tied to real estate (call for commercial land — we offer hard money financing on commercial-zoned land-only)
  • No Florida property on leased land
  • Our minimum Florida hard money loan amounts and general guidelines subject to change without notice.


  • Purchase Florida real estate with a poor credit rating, including a recent Florida bankruptcy, Florida short sale,  or Florida foreclosure, loan modification, etc . Florida hard money loans require a sizeable down payment, plus funds to cover points and loan costs.
  • Refinance an existing Florida property — obtain cash from equity, pay off a balloon or delinquent loan
  • Secure a 2nd hard money Florida mortgage — cash out for debt consolidation, remodeling, repairs, business loans, investments, any reason
  • Obtain a hard money Florida bridge loan to purchase other real estate prior to selling your current Florida property based on the equity in the departing residence (with a new Florida property under contract)
  • Stabilize hard money loans or renovate commercial or Florida income property — for commercial apartments, offices, retail, medical, and mixed-use income properties when renovations are required, or to provide interim hard money  capital or bridge money prior to permanent financing
  • Hard money Florida loan applicants may have average or poor credit, minimal credit, or No credit score — sufficient Florida home equity and the means to repay the loan are more important than your personal credit
  • Hard money loan applicants get approved recent Florida bankruptcy, Florida  foreclosure, or Florida divorce — these issues are acceptable for Florida hard money lenders with sufficient equity and the means to repay the loan
  • Some Florida hard money loan applicants too much debt to qualify for a Florida bank loan — with the necessary equity in your property and the ability to repay the Florida hard money loan higher debt-income ratios are OK
  • Get hard money loan approval if you’ve been self-employed 1099 on your job for less than two years. Provided your employment is expected to continue a new job is OK
  • Get Florida hard money home loan approval if you have inconsistent or mixed income — income can be from different sources and still be acceptable
  • Title to your Florida property is held in the name of a trust, LLC, or corporation — title to the property can be vested in a non-natural person
  • You need a Florida hard money business loan secured by equity in Florida real estate, but are unable to qualify for a commercial bank or SBA loan.
  • You are a Florida Foreign National with no U.S. employment or SSN and aren’t able to secure a conventional Florida home loan.


HARD MONEY FLORIDA LOAN VALUE- the ratio between the amount of a proposed mortgage loan and the lower of sales price or appraised value.



HARD MONEY FLORIDA BRIGE LOANS– a short-term interim loan. Bridge loans are commonly used to close a transaction on one property while another is being sold.


HARD MONEY FLORIDA SUBPRIME LENDER — a hard money loan that does not meet traditional bank standards for acceptable risk.

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FHA-MORTGAGE-LENDERS.COM – Specializing in FHA government mortgage solutions and delivering the most updated FHA information to the consumer. FHA-Mortgage-Lenders.com has an extensive lender network that allows us to provide flexible update FHA mortgage lenders information from portfolio FHA mortgage lenders providing a comprehensive selection of non-traditional FHA, VA, USDA, Conventional, for all including bad credit mortgage applicants.

FHA-Mortgage-Lenders.com is not a direct FHA Mortgage Lender. Information on this site Is for example purposes and should not be relied on for decision making.

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