Florida Hard Money Loans - Fast Real Estate Financing
Get asset-based real estate financing in Florida with 24-48 hour approval. Our hard money loans are perfect for experienced investors who need to move fast on deals without the hassle of traditional bank financing.
Get Hard Money Loan Terms
Complete this form to receive personalized hard money loan terms within 24 hours.
Who Are Hard Money Loans For?
Real Estate Investors
Experienced investors who need fast funding for time-sensitive deals and competitive purchases.
Property Flippers
House flippers who need quick access to capital for purchase and renovation funding.
Developers
Real estate developers who need bridge financing for land acquisition or pre-development costs.
Hard Money Loan Details
Loan Amounts and Terms
- Loan Amounts: $100,000 to $5,000,000+
- Loan-to-Value: Up to 90% for qualified borrowers
- Terms: 6 to 24 months (with extension options)
- Interest Rates: Starting at 8% (rates vary by deal specifics)
- Points: 1-4 points depending on loan terms and borrower experience
Eligible Property Types
- Single-family residential homes
- 2-4 unit multifamily properties
- Small apartment buildings (5+ units)
- Condominiums and townhomes
- Mixed-use properties
- Some commercial properties
Note: All properties must be investment properties. Owner-occupied properties are not eligible.
Documentation Required
- Completed loan application
- Property purchase contract (if applicable)
- Property details and photos
- Proof of funds for down payment and closing costs
- Borrower resume or investment experience summary
- Property insurance information
The Hard Money Loan Process
- Application Submission: Complete our streamlined application with basic deal information
- Initial Review: Our team reviews your application within 4-6 hours
- Property Evaluation: We conduct a rapid property evaluation and market analysis
- Loan Approval: Receive conditional approval with term sheet typically within 24-48 hours
- Due Diligence: Title work, appraisal ordering, and final underwriting
- Closing: Close and fund your loan in 7-14 days
Why Choose Florida Hard Money Loans?
Florida's competitive real estate market requires fast action. Traditional bank loans can take 30-60 days or more, causing investors to miss out on great deals. Our hard money loans provide the speed and flexibility needed to:
- Make competitive cash offers that get accepted
- Close quickly on time-sensitive opportunities
- Fund renovation projects without delays
- Bridge to permanent financing when needed
- Scale your real estate investment business
Florida Market Expertise
Our team has extensive experience with Florida real estate markets from Miami-Dade to the Panhandle. We understand local market conditions, property values, and the unique challenges Florida investors face, including hurricane risk, insurance requirements, and seasonal market fluctuations.
Competitive Advantages
- Local Decision Making: No committees or out-of-state approvals required
- Flexible Underwriting: We evaluate each deal on its merits
- Experienced Team: Over 15 years of combined Florida lending experience
- Relationship Focus: We build long-term partnerships with our borrowers
- Transparent Pricing: No hidden fees or surprise costs
Hard Money Loan FAQs
What is a hard money loan?
A hard money loan is an asset-based loan secured by real estate. Unlike traditional bank loans, hard money loans are funded by private lenders and focus on the property value rather than the borrower's credit or income.
How quickly can I get a hard money loan in Florida?
Most hard money loans in Florida can be approved within 24-48 hours and funded within 7-14 days. This speed makes them ideal for competitive real estate transactions.
What are typical hard money loan rates in Florida?
Hard money loan rates in Florida typically range from 8-15% depending on the deal specifics, borrower experience, and property type. Points typically range from 1-4.
What loan-to-value ratio can I get?
We can lend up to 90% of the purchase price or current value for qualified borrowers with proven experience. Most deals fall in the 65-80% LTV range.
Do I need to verify my income?
No, hard money loans are asset-based, meaning we focus on the property value and your experience rather than requiring tax returns or income verification.
What types of properties qualify?
We finance single-family homes, 2-4 unit properties, small multifamily, condos, townhomes, and some commercial properties. Properties must be investment properties, not owner-occupied.
Get Your Florida Hard Money Loan Approved Today
Stop losing deals to cash buyers. Get the fast financing you need to compete and win in Florida's competitive real estate market.
Not a commitment to lend. Terms subject to underwriting, market conditions, and borrower experience. All loans subject to credit approval and property evaluation.
Rates and terms vary based on loan type, property type, borrower experience, and market conditions. Contact us for current rates and terms specific to your deal.
This information is for real estate investors and is not intended for owner-occupied properties. Investment properties only.