Florida Hard Money Land Lenders
No Tax Return, Florida Land Loans Up To 1.5 Million.
YES! We do have options for Florida commercial agriculture farm land loans. You can even cash out a refinance of a Florida land, farm, or ranch with no tax returns. No Income and Bad Credit Florida Land Loans in every city in Florida. Hard Money Florida land mortgage lenders – Emergency Florida land mortgage lenders – Bad Credit Florida land mortgage lenders for all situations.
Hard Money Florida Land Lenders Summary
| Hard Money Florida Loan Amounts • $100,000 to $30 million • All Properties and Situations Considered |
Loan-to-Value (LTV) Ratios • Up to 70% on purchases • Up to 65% on refinance |
| Terms • 24 months, extension options available • Interest-only payments • Fair Rates • No prepayment penalty • Escrow may be required |
Qualification • Any credit score • Borrower must document ability to pay • Property must be in Florida • No corporate title required • Read More about Florida Hard Money Lenders |
Florida Hard Money Lenders For Bad Credit:
- Mortgage with 30-60-90 day late payments :
- Florida mortgage with collection accounts:
- Refinance To Pay Florida Property Taxes:
- Refinance Florida past due HOA:
- Refinance Florida Lis Pendens :
- Refinance Florida Claim of lien :
- Refinance To Pay Florida Tax Lien :
- Refinance Florida Code Violations :
- Refinance Florida property Taxes :
- Refinance Florida Final Judgment :
- Buy-Out-Florida Mortgage Refinance :
- Refinance Florida Department of Revenue Warrant :
- Refinance Florida Mortgage While in Bankruptcy :
- Refinance Florida Mortgage Divorce Buyout :
- Stop Foreclosure Bad Credit Florida Mortgage Lenders :
- Refinance Florida Homeowners Association Lis Pendens :
- Partial Construction Florida Bad Credit Mortgage Lenders :
- Foreign National Bad Credit Florida Mortgage Lenders :
*All Information and terms are subject to change without notice.
Call Thomas Martin @ 954-667-9110 for the latest qualifications.
Bad Credit Florida Land Lenders:
| Hard Money Loan Amounts • $50,000 to $25 million |
Loan-to-Value (LTV) Ratios • Up to 60% on purchases – Up to 50% on refinance |
| Terms • 24 months, extension options available • Interest-only payments • Fair Rates • No prepayment penalty • Escrow may be required |
Qualification • Any credit score • Borrower must document ability to pay • Property must be in Florida • No corporate title required • Read More about Florida Hard Money Lenders |
Residential Lot – Farm – Florida Land Loan
This program is designed for Florida land buyers and owners seeking financing to purchase a residential lot or Farm land. Florida residential lots must be eligible for the construction of a residential property, either present or future. And, agricultural land loans.
General Florida Land Lot Loan Guidelines
- Loan amounts from $50,000 to $30MM
- Loan amounts from 50% to 75% of the purchase price in improved subdivisions, if included with a construction loan; otherwise, from 45% to 60% loan-to-value. Cross-collateralization is allowed on other properties if needed to secure loan amounts greater than the maximum.
- Term of 1 to 3 years
- Foreign Nationals are eligible for this program.
- Fast pre-qualification, typically within 3 – 5 business days, closing typically within 30 days (fast track closings in 14 +/- days available if all land loan conditions are satisfied)
- Interest-only payments
- No minimum acreage requirement or maximum limitations
- Loans are available to land loan applicants with bad credit (subject to underwriting)
- Residential zoned land + Agricultural land options.
- Limited income documentation available at 50% loan to value or less
*All qualifications and land loan terms are subject to change without notice
Florida Farm Land Lot Hard Money Loans
- Loans Fannie and Freddie can NOT Do.
- Minimum 250K Loan Amount.
- Minimum Credit Score of 680+
- Maximum LTV 70% to 75% on Loans under $550K
- Minimum land loan of 400K to a Maximum of 50M.
- 5 Year Arms and 30 Year Fixed Options
- Call me now for a rate quote.
Hard Money Florida Farm & Land Lenders
Refinance Florida Hard Money Land Property Taxes
Yes, you can use a land loan cash-out refinance to get funds to pay delinquent Florida property taxes, tax liens, IRS liens, or HOA/COA liens, essentially converting your Florida property’s equity into cash to clear up these debts. Quickly paying off Florida property taxes helps eliminate recurring penalties and potentially avoid foreclosure or code violations. To cash out or refinance a Florida land loan, you will need sufficient equity. If you’re behind on Florida property taxes, it’s wise to check Florida intangible taxes for the new loan amount. This site does not contain legal advice.
Refinance Lis Pendens– Refinance Claim of lien –Refinance Florida Tax Lien – Hard Money Mortgage Lenders
Yes, you can use a cash-out refinance to get funds to pay delinquent Florida property taxes, tax liens, IRS liens, or HOA/COA liens, essentially converting your Florida property’s equity into cash to clear up these debts. Quickly paying off Florida property taxes helps eliminate recurring penalties and potentially avoid foreclosure or code violations. To cash out refinance, you will need sufficient home equity, must qualify, and it’s wise to check Florida’s intangible taxes for the new loan amount. This site does not contain legal advice.
Eligible Florida Hard Money Land Loans:
– Parcels of land capable of producing agricultural commodities or products
– Property may be improved by buildings, fixtures, etc.
– No minimum or maximum acreage requirement
Eligible Hard money Land and Farm Borrowers
– U.S. citizens, nation,als or aliens lawfully admitted for permanent U.S. residence
– Corporations or partnerships
– Trusts are eligible if there is a personal guarantee
No Income Hard Money Florida Land Loans
- 30-Year Fixed Rate
- UP to 1.5 / Min 30% Down + Closing Cost +
- Loan Term: 360 months, 30-year fixed options.
- Escrow Account collects 1/1of the 2 monthly tax insurance accounts required
- Minimum Loan Amount $300,000
No Income Verification Florida Hard Money Land Loans LTV – Credit – Reserves
| Primary | LTV | FICO | Minimum Reserves |
| Purchase / Rate and Term | 70 | 720 | 9 months reserves |
| Primary residence/ land | 70 | 680 | 6 months reserves |
| Cash Out | 70 | 700 | 9 months reserves |
| Cash Out | 70 | 680 | 6 months reserves |
Florida Loan Approval Process
No Income Verification Florida land lenders often need credit underwriters to consider compensating factors and or alternative documentation with a good repayment explanation, due to limited e-VOE land – P&L land – All these land farm loan programs do not require tax returns for qualification. All these land farm Florida loan programs do not require tax returns for qualification or irrelevant quantitative underwriting factors to establish a reasonable expectation of repayment in the following areas:
- Character & Credit History – Credit underwriting seeks to understand a borrower’s character as part of the process. To approve a no-income verification loan the borrower may need to provide a letter of explanation detailingn on how the income will be derived to make the land payments. Qualifying may include reference letters, community activities, and reputation and payment history. Certain no-income land applicants with limited FICO scores have alternative credit to evaluate the borrower’s reliability and reasonable expectation of repayment.
- Reserves- 6-24 months of future payments in your account at closing after down payment and closing costs.
- Income =no income farm loan applicants who meet the no income land and farm eligibility requirements are not required to provide income documentation. Income is therefore not calculated nor stated, nor is a debt-to-income ratio calculated as part of the program’s established reasonable expectation of repayment.
- Loan Documentation – Credit underwriting often uses a “common sense” approach and considers alternative and compensating documentation to assess a reasonable expectation of repayment.
Refinance Florida Farm Land
• Maximum Florida Cash-out seasoning of less than (6) months is not permitted unless the borrower acquired the Florida land through an inheritance or was legally awarded the Florida land (divorce, separation).
A prior No Income verification maximum cash-out refinance transaction within the last 12 months, unless a documented benefit exists
Florida Land Refinance For Debt Consolidation
Cash-out transactions meeting the following additional requirements may be treated and priced as Rate & Term transactions:
The borrower is solely paying off debt and can receive up to $2,000 in incidental cash in hand.
The Closing Disclosure must reflect the paid-off debts
Cashout Refinance Investor Land Loans
Our No Income Verification Florida Cashout Refinancing allows Florida real estate investors to purchase or refinance Florida land. No-income-verification land loans do not require personal income or employment documentation to approve. These land loans are instead approved based on the applicant’s credit score and assets.
Florida Land Loan Environmental Disclosure
Please answer ALL questions. All questions below pertain to the Florida land you propose to pledge.
1. Are you aware of any past uses of the Florida land that may have created hazardous waste contamination of the
Florida land or its groundwater? (Hazardous waste includes, but is not limited to, such contaminants as asbestos
insulation, underground storage tanks, and farm chemicals. Florida land use examples include, without limitation,
properties that have served as or are adjacent to a refuse or waste disposal site.) If yes, please describe the
problem:
2. Are you aware of any present uses of the Florida land that may have created or be creating hazardous waste
contamination of the Florida land? If yes, please describe the problem:
3. Do you plan any future uses of the Florida land that may create hazardous waste contamination of the Florida land? If yes, please describe the problem:
4. What is the use or uses that you plan regarding the Florida land that you propose to pledge? I plan to:
5. If you inquired to ensure the Florida land in the past, have any environmental problems been discussed or have any
insurance restrictions been proposed for said Florida land? If yes, please describe the problem: Yes No
6. Have you or any of the previous owners of the Florida land been contacted by any Federal, State or Local agencies in regard to environmental matters that must be resolved in order to occupy the Florida land or obtain business or
environmental permits to utilize the Florida land? If yes, please describe the problem:
Serving All Florida Including:
| Alachua | Alachua County |
| Alford | Jackson County |
| Altamonte Springs | Seminole County |
| Altha | Calhoun County |
| Anna Maria | Manatee County |
| Apalachicola | Frankin County |
| Apopka | Orange County |
| Arcadia | DeSoto County |
| Archer | Alachua County |
| Astatula | Lake County |
| Atlantic Beach | Duval County |
| Atlantis | Palm Beach County |
| Auburndale | Polk County |
| Aventura | Miami-Dade County |
| Avon Park | Highlands County |
| Bal Harbor | Miami-Dade County |
| Baldwin | Duval County |
| Bartow | Polk County |
| Bascom | Jackson County |
| Bay Harbor Islands | Miami-Dade County |
| Bay Lake | Orange County |
| Bell | Gilchrist County |
| Belle Glade | Palm Beach County |
| Belle Isle | Orange County |
| Belleair | Pinellas County |
| Belleair Beach | Pinellas County |
| Belleair Bluffs | Pinellas County |
| Belleair Shore | Pinellas County |
| Belleview | Marion County |
| Beverly Beach | Flagler County |
| Biscayne Park | Miami-Dade County |
| Blountstown | Calhoun County |
| Boca Raton | Palm Beach County |
| Bonifay | Holmes County |
| Bonita Springs | Lee County |
| Bowling Green | Hardee County |
| Boynton Beach | Palm Beach County |
| Bradenton Beach | Manatee County |
| Bradenton | Manatee County |
| Branford | Suwannee County |
| Briny Breezes | Palm Beach County |
| Bristol | Liberty County |
| Bronson | Levy County |
| Brooker | Bradford County |
| Brooksville | Hernando County |
| Bunnell | Flagler County |
| Bushnell | Sumter County |
| Callahan | Nassau County |
| Callaway | Bay County |
| Cambelton | Jackson County |
| Cape Canaveral | Brevard County |
| Cape Coral | Lee County |
| Carrabelle | Frankin County |
| Caryville | Washington County |
| Casselberry | Seminole County |
| Cedar Grove | Bay County |
| Cedar Key | Levy County |
| Center Hill | Sumter County |
| Century | Escambia County |
| Chattahoochee | Gadsden County |
| Chiefland | Levy County |
| Chipley | Washington County |
| Cinco Bayou | Okaloosa County |
| Clearwater | Pinellas County |
| Clermont | Lake County |
| Clewiston | Hendry County |
| Cloud Lake | Palm Beach County |
| Cocoa | Brevard County |
| Cocoa Beach | Brevard County |
| Coconut Creek | Broward County |
| Coleman | Sumter County |
| Cooper City | Broward County |
| Coral Gables | Miami-Dade County |
| Coral Springs | Broward County |
| Cottondale | Jackson County |
| Crawfordville | Wakulla County |
| Crescent City | Putnam County |
| Crestview | Okaloosa County |
| Cross City | Dixie County |
| Crystal River | Citrus County |
| Dade City | Pasco County |
| Dania Beach | Broward County |
| Davenport | Polk County |
| Davie | Broward County |
| Daytona Beach | Volusia County |
| Daytona Beach Shores | Volusia County |
| DeBary | Volusia County |
| Deerfield Beach | Broward County |
| DeFuniak Springs | Walton County |
| DeLand | Volusia County |
| Delray Beach | Palm Beach County |
| Deltona | Volusia County |
| Destin | Okaloosa County |
| Doral | Miami-Dade County |
| Dundee | Polk County |
| Dunedin | Pinellas County |
| Dunnellon | Marion County |
| Eagle Lake | Polk County |
| Eatonville | Orange County |
| Ebro | Washington County |
| Edgewater | Volusia County |
| Edgewood | Orange County |
| El Portal | Miami-Dade County |
| Esto | Holmes County |
| Eustis | Lake County |
| Everglades City | Collier County |
| Fanning Springs | Gilchrist County |
| Fanning Springs | Levy County |
| Fellsmere | Indian River County |
| Fernandina Beach | Nassau County |
| Flagler Beach | Flagler County |
| Florida City | Miami-Dade County |
| Fort Lauderdale | Broward County |
| Fort Meade | Polk County |
| Fort Myers Beach | Lee County |
| Fort Myers | Lee County |
| Fort Pierce | St. Lucie County |
| Fort Walton Beach | Okaloosa County |
| Fort White | Columbia County |
| Freeport | Walton County |
| Frostproof | Polk County |
| Fruitland Park | Lake County |
| Gainesville | Alachua County |
| Glen Ridge | Palm Beach County |
| Glen Saint Mary | Baker County |
| Golden Beach | Miami-Dade County |
| Golf | Palm Beach County |
| Golfview | Palm Beach County |
| Graceville | Jackson County |
| Grand Ridge | Jackson County |
| Green Cove Springs | Clay County |
| Greenacres | Palm Beach County |
| Greensboro | Gadsden County |
| Greenvilee | Madison County |
| Greenwood | Jackson County |
| Gretna | Gadsden County |
| Groveland | Lake County |
| Gulf Breeze | Santa Rosa County |
| Gulf Stream | Palm Beach County |
| Gulfport | Pinellas County |
| Haines City | Polk County |
| Hallandale | Broward County |
| Hampton Beach | Bradford County |
| Hastings | St. Johns County |
| Havana | Gadsden County |
| Haverhill | Palm Beach County |
| Hawthorne | Alachua County |
| Hialeah | Miami-Dade County |
| Hialeah Gardens | Miami-Dade County |
| High Springs | Alachua County |
| Highland Beach | Palm Beach County |
| Highland Park | Polk County |
| Hillcrest Heights | Polk County |
| Hilliard | Nassau County |
| Hillsboro Beach | Broward County |
| Holly Hill | Volusia County |
| Hollywood | Broward County |
| Holmes Beach | Manatee County |
| Homestead | Miami-Dade County |
| Horseshoe Beach | Dixie County |
| Howey-in-the-Hills | Lake County |
| Hupoluxo | Palm Beach County |
| Indialantic | Brevard County |
| Indian Creek | Miami-Dade County |
| IndianHarborr Beach | Brevard County |
| Indian River Shores | Indian River County |
| Indian Rocks Beach | Pinellas County |
| Indian Shores | Pinellas County |
| Inglis | Levy County |
| Interlachen | Putnam County |
| Inverness | Citrus County |
| Islamorada | Monroe County |
| Islandia | Miami-Dade County |
| Jacksonville Beach | Duval County |
| Jacksonville | Duval County |
| Jacob | Jackson County |
| Jasper | Hamilton County |
| Jay | Santa Rosa County |
| Jennings | Hamilton County |
| Juno Beach | Palm Beach County |
| Jupiter | Palm Beach County |
| Jupiter Inlet Colony | Palm Beach County |
| Jupiter Island | Martin County |
| Kenneth City | Pinellas County |
| Key Biscayne | Miami-Dade County |
| Key Colony Beach | Monroe County |
| Key West | Monroe County |
| Keystone Heights | Clay County |
| Kissimmee | Osceola County |
| La Crosse | Alachua County |
| LaBelle | Hendry County |
| Lady Lake | Lake County |
| Lake Alfred | Polk County |
| Lake Buena Vista | Orange County |
| Lake Butler | Union County |
| Lake City | Columbia County |
| Lake Clarke Shores | Palm Beach County |
| Lake Hamilton | Polk County |
| Lake Helen | Volusia County |
| Lake Mary | Seminole County |
| Lake Park | Palm Beach County |
| Lake Placid | Highlands County |
| Lake Wales | Polk County |
| Lake Worth | Palm Beach County |
| Lakeland | Polk County |
| Lantana | Palm Beach County |
| Largo | Pinellas County |
| Lauderdale Lakes | Broward County |
| Lauderdale-by-the-Sea | Broward County |
| Lauderhill | Broward County |
| Laurel Hill | Okaloosa County |
| Lawtey | Bradford County |
| Layton | Monroe County |
| Lazy Lake | Broward County |
| Lee | Madison County |
| Leesburg | Lake County |
| Lighthouse Point | Broward County |
| Live Oak | Suwannee County |
| Longboat Key | Sarasota County |
| Longboat Key | Manatee County |
| Longwood | Seminole County |
| Lynn Haven | Bay County |
| Macclenny | Baker County |
| Madeira Beach | Pinellas County |
| Madison | Madison County |
| Maitland | Orange County |
| Malabar | Brevard County |
| Malone | Jackson County |
| Manalapan | Palm Beach County |
| Mangonia Park | Palm Beach County |
| Marathon | Monroe County |
| Marco Island | Collier County |
| Margate | Broward County |
| Marianna | Jackson County |
| Marineland | St. Johns County |
| Marineland | Flagler County |
| Mary Esther | Okaloosa County |
| Mascotte | Lake County |
| Mayo | Lafayette County |
| McIntosh | Marion County |
| Medley | Miami-Dade County |
| Melbourne | Brevard County |
| Melbourne Beach | Brevard County |
| Melbourne Village | Brevard County |
| Mexico Beach | Bay County |
| Miami Beach | Miami-Dade County |
| Miami Gardens | Miami-Dade County |
| Miami Lakes | Miami-Dade County |
| Miami Shores Village | Miami-Dade County |
| Miami Springs | Miami-Dade County |
| Miami | Miami-Dade County |
| Micanopy | Alachua County |
| Midway | Gadsden County |
| Milton | Santa Rosa County |
| Minneola | Lake County |
| Miramar | Broward County |
| Monticello | Jefferson County |
| Montverde | Lake County |
| Moore Haven | Glades County |
| Mount Dora | Lake County |
| Mulberry | Polk County |
| Naples | Collier County |
| Neptune Beach | Duval County |
| New Port Richey | Pasco County |
| New Smyrna Beach | Volusia County |
| Newberry | Alachua County |
| Niceville | Okaloosa County |
| Noma | Holmes County |
| North Bay Village | Miami-Dade County |
| North Lauderdale | Broward County |
| North Miami | Miami-Dade County |
| North Miami Beach | Miami-Dade County |
| North Palm Beach | Palm Beach County |
| North Port | Sarasota County |
| North Redington Beach | Pinellas County |
| Oak Hill | Volusia County |
| Oakland | Orange County |
| Oakland Park | Broward County |
| Ocala | Marion County |
| Ocean Breeze Park | Martin County |
| Ocean Ridge | Palm Beach County |
| Ocoee | Orange County |
| Okeechobee | Okeechobee County |
| Oldsmar | Pinellas County |
| Opa-locka | Miami-Dade County |
| Orange City | Volusia County |
| Orange Park | Clay County |
| Orchid | Indian River County |
| Orlando | Orange County |
| Ormond Beach | Volusia County |
| Otter Creek | Levy County |
| Oviedo | Seminole County |
| Pahokee | Palm Beach County |
| Palatka | Putnam County |
| Palm Bay | Brevard County |
| Palm Beach | Palm Beach County |
| Palm Beach Shores | Palm Beach County |
| Palm Beach Gardens | Palm Beach County |
| Palm Coast | Flagler County |
| Palm Shores | Brevard County |
| Palm Springs | Palm Beach County |
| Palmetto | Manatee County |
| Palm Harbor | Pinellas County |
| Palmetto Bay | Miami-Dade County |
| Panama City | Bay County |
| Panama City Beach | Bay County |
| Parker | Bay County |
| Parkland | Broward County |
| Paxton | Walton County |
| Pembroke Park | Broward County |
| Pembroke Pines | Broward County |
| Penney Farms | Clay County |
| Pensacola | Escambia County |
| Perry | Taylor County |
| Pierson | Volusia County |
| Pine Crest | Miami-Dade County |
| Pinellas Park | Pinellas County |
| Plant City | Hillsborough County |
| Plantation | Broward County |
| Polk City | Polk County |
| Pomona Park | Putnam County |
| Pompano Beach | Broward County |
| Ponce De Leon | Holmes County |
| Ponce Inlet | Volusia County |
| Port Ornage | Volusia County |
| Port Richey | Pasco County |
| Port St. Lucie | St. Lucie County |
| Port St. Joe | Gulf County |
| Punta Gorda | Charlotte County |
| Quincy | Gadsden County |
| Raiford | Union County |
| Reddick | Marion County |
| Redington Beach | Pinellas County |
| Redington Shores | Pinellas County |
| Riviera Beach | Palm Beach County |
| Rockledge | Brevard County |
| Royal Palm Beach | Palm Beach County |
| Safety Harbor | Pinellas County |
| Saint Leo | Pasco County |
| San Antonio | Pasco County |
| Sanford | Seminole County |
| Sanibel | Lee County |
| Sarasota | Sarasota County |
| Satellite Beach | Brevard County |
| Sea Ranch Lakes | Broward County |
| Sebastian | Indian River County |
| Seabring | Highlands County |
| Seminole | Pinellas County |
| Sewall’s Point | Martin County |
| Shalimar | Okaloosa County |
| Sneads | Jackson County |
| Sopchoppy | Wakulla County |
| South Bay | Palm Beach County |
| South Daytona | Volusia County |
| Sounty Miami | Miami-Dade County |
| South Palm Beach | Palm Beach County |
| South Pasadena | Pinellas County |
| Southwest Ranches | Bay County |
| Springfield | Bay County |
| St. Augustine Beach | St. Johns County |
| St. Augustine | St. Johns County |
| St. Cloud | Osceola County |
| St. Lucie Village | St. Lucie County |
| St. Marks | Wakulla County |
| St. Pete Beach | Pinellas County |
| St. Petersburg | Pinellas County |
| Starke | Bradford County |
| Stuart | Martin County |
| Sun City Center | Hillsborough County |
| Sunny Hills | Washington County |
| Sunny Isles Beach | Miami-Dade County |
| Sunrise | Broward County |
| Surfside | Miami-Dade County |
| Sweetwater | Miami-Dade County |
| Tallahassee | Leon County |
| Tamarac | Broward County |
| Tampa | Hillsborough County |
| Tarpon Springs | Pinellas County |
| Tavares | Lake County |
| Temple Terrace | Hillsborough County |
| Tequesta | Palm Beach County |
| Titusville | Brevard County |
| Treasure Island | Pinellas County |
| Trenton | Gilchrist County |
| Umatilla | Lake County |
| Valpariso | Okaloosa County |
| Venice | Sarasota County |
| Vernon | Washington County |
| Vero Beach | Indian River County |
| Virginia Gardens | Miami-Dade County |
| Waldo | Alachua County |
| Wauchula | Hardee County |
| Wausau | Washington County |
| Webster | Sumter County |
| Weeki Wachee | Hernando County |
| Welaka | Putnam County |
| Wellington | Palm Beach County |
| West Melbourne | Brevard County |
| West Miami | Miami-Dade County |
| West Palm Beach | Palm Beach County |
| Weston | Broward County |
| Westville | Holmes County |
| Wewahitchka | Gulf County |
| White Springs | Hamilton County |
| Wildwood | Sumter County |
| Williston | Levy County |
| Wilton Manors | Broward County |
| Windermere | Orange County |
| Winter Garden | Orange County |
| Winter Haven | Polk County |
| Winter Park | Orange County |
| Winter Springs | Seminole County |
| Worthington Springs | Union County |
| Yankeetown | Levy County |
| Youngstown | Bay County |
| Zephyrhills | Pasco County |
| Zolfo Springs | Hardee County |
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