Cashout Mortage Refinance Florida Programs

Bad Credit Florida Cash Out Hard Money Mortgage 

Private Hard Money Florida Mortgage Lenders – All Situations Welcome!
Bad credit Hard Money Florida mortgage lenders provide solutions for bad situations, including and not limited to: Rent To Own, Lis Pendens, Claim of lien, 30-60-90 day lates, Tax Lien, Code Violations, Past due HOA, Final Judgment,  Buy-Out- Refinance, Department Of Revenue, Stop Foreclosure, Lis Pendens, Divorce Refinance Florida, Refinance Pace Loans.

Self-Employed No Tax Return Hard Money Mortgage 

• Home Loan No Tax Returns =OK                1099 mortgage Lenders = OK               3 Months Bank Statement = OK
• Self-Employed Less than 1 year = OK         VOE Only Mortgage  = OK                   Asset Depletion = OK
• ITIN No Tax return mortgage = OK              Nonresident No Tax Return = OK          Pledged Assets = OK
• Asset Depletion or Pledged = OK                Business Profit Loss = OK                    DSCR Rental Income = OK
• No Doc, No W2, No Tax Return = OK         Bank Statement Deposits = OK             Jumbo No Tax Returns = OK

Bad Credit Florida Home Loan Refinance Options

Bad credit mortgage lenders offer options for purchasing or refinancing, including FHA and VA loans, as well as manual underwriting in Florida for individuals with bad credit. We assist applicants with challenging credit histories, including past foreclosures, judgments, collections, repossessions, divorces, tax liens, garnishments, student loan defaults, and late payments ranging from 30 to 120 days. We can also help with refinancing for those in Chapter 13 bankruptcy. Additionally, if your home is listed on the MLS for sale, you can even cash out and refinance. Our Rent-to-Own Florida Bad Credit Mortgage Lenders allow you to choose a home listed for sale on the MLS and rent it while building equity. Collaborating with an experienced bad credit lender can help you improve your credit score quickly. While we cannot assist everyone, we will make every effort to help you.

Our Rent Own Florida FHA Mortgage Lenders allow you to select your ideal Florida rent-to-own home. This innovative rent-to-own program is designed for individuals with bad credit in Florida, enabling them to get pre-approved and choose a rent-to-own property that suits their needs. Click Here to Read More About Florida Rent-to-Own Homes For Sale.

Reasons Homeowners With Bad Credit Refinance

In Florida, the most common bills people pay off when refinancing to lower overall debt with a cash-out refinance are high-interest consumer debts, high credit card balances, and high property taxes, insurnace being the primary reason. Due to significant home equity gains in the state, Florida homeowners frequently use cash-out refinancing to consolidate debt, pay for home improvements, or manage rising living costs. Here are the most common bills paid off during a mortgage refinance in Florida:

Delinquent Property Taxes and Liens: Florida ash-out refinancing is often used to refinance past due Florida property taxes, IRS liens, or HOA/COA liens.

Cashout Mortgage Refinance To Buyout A Partner: Yes, you can use a Florida buyout agreement to divorce, refinance, or refinance a Florida real estate partner, or refinance to buy out family heirs with a Florida buyout agreement. 

BuyOut-Divorce Florida Mortgage Refinance: Yes, you can Florida divorce refinance to buy out a partner with a Florida Divorce BuyOut agreement. In this situation, Florida property owners agree to refinance to buy out the spouse, usually in exchange for a cash-out or Divorce BuyOut refinance to complete the Florida divorce settlement.

Medical Bills: High-interest medical debt is often consolidated to reduce interest payments. High-Interest Credit Cards: This is the most common debt cleared, as borrowers swap 15–20%+ interest rate debt for lower mortgage interest rates.

Personal Loans and Unsecured Loans: Used to consolidate smaller, high-interest loans into one lower, monthly payment.

Auto Loans: With car prices remaining high, many Florida homeowners, particularly in areas like Miami, use refinanced cash to pay off large auto loans, with reports showing significant reductions in this debt after refinancing.

Home Improvements & Repairs: A major use of funds is for renovations, including roof replacements, HVAC systems, and kitchen/bath remodels to increase home value.

Bad Credit Florida Mortgage Options Include:

1. Mortgage with 30-60-90 day late payments –
2. Refinance Florida past due HOA
3. Refinance Florida Lis Pendens –
4. Refinance Florida Claim of lien –
5. Refinance To Pay Florida Tax Lien –
6. Refinance Florida Code Violations –
7. Refinance Florida Final Judgment –
8. Buy-Out-Florida Mortgage Refinance
9. Refinance Florida Department of Revenue Warrant
10. Stop Foreclosure Bad Credit Florida Mortgage Lenders
11. Refinance Florida Homeowners Association Lis Pendens

Florida Property Types Not Limited To:

• Single-family home – No Tax Return Mortgage Lenders
• Condo – No Tax Return Florida Condo Mortgage Lenders
• Luxury Jumbo – No Tax Return Mortgage Lenders  
• Townhouse – No Tax Return Mortgage lenders 
• Villa – No Tax Return Florida Mortgage Lenders 
• Manufactured home – No Tax Return Mortgage Lenders  
• Co-op – No Tax return, Florida Mortgage Lenders 
• Condotel  – No Tax Return Mortgage Lenders 
• Investor Loans- No Tax Return Mortgage lenders 
• Multi-Family – No Tax Return Florida Mortgage Lenders 
• Commercial – No Owner Occupied- Condotel

Not sure which type of cash-out Florida refinancing option suits your needs? Call me!

• NO tax return: Cashout No Tax return lenders use 1099, bank statement documentation.
• VOE: Allow your VOE to disregard your tax return write-offs.
• Pledged Assets: Assets in your account to qualify.
• P&L Only: Use your licensed Tax preparer’s Profit and Loss to qualify.
• ITIN Mortgage– Non-residents cashout Florida mortgage uses bank statements for income.
• Foreign National: Nonresidents can invest, purchase, or cash out.
• Bad Credit: Bad Credit mortgage approvals are based on payment history.
• Refinance Florida Hard Money Lenders – High-interest rate hard money for quick funding.
• Bad Credit Florida mortgage refinance   –Bad Credit mortgage approvals based on payment history.
• Refinance Non-warrantable Condos: Don’t meet Fannie Mae or Freddie Mac specs..
• Bank Statement: Refinance using 12 or 24 average bank deposits with no tax returns.
• 1099 Mortgage: Florida mortgage refinance using 1099s for income.
• Self-Employed Mortgage: Self-Employed Florida cashout refinance options, you write off too much of your income.
• FHA Mortgage Lenders – Cashout refinance in all Florida down to 500+ credit score.
• VA 100% Mortgage loans:  No PMI -VA Florida cashout mortgage refinance.
• Conventional: Fannie Mae or Freddie Mac – Conforming cash out Florida mortgage.
• Jumbo: Mortgages and Alt doc super jumbo loans over $806,500 up to $50 Million
• No Income: No doc, stated Florida no Income verification Mortgage Lender
• Cross Collateral – Up to 90% financing when pledging assets as collateral.
• Bridge-to-Sale – Help clients access their listed property’s equity before its sale.
• Asset Depletion – Increase client purchasing by using assets to qualify income.
• Refinance Florida Condotel – Super Jumbo Condo and Condotel for Unique properties.
• Pledged Asset – Cashouts up to 90%(stocks, mutual funds, etc.) without liquidating.
• Refinance Florida Home While Listed For Sale – Cashout home listed for sale.
• 1099 Mortgage Refinance Lenders: Use 1099 Income to qualify.
• Florida Condo Mortgage Mortgage Lenders:Non-Warrantable: Condotel: Co-op.

Cash-out Refinance Requirements

Cashout Requirements may vary depending on the cashout Florida mortgage program.

• 500+ minimum credit score and approval based on payment history, not credit score. 
• Home equity: 30% minimum equity needed for cash-out refinance.
• Maximum 45% debt-to-income ratio with 6+ months reserves.

What Is a Cash-Out Refinance?

A cash-out refinance allows Florida homeowners to secure a new, larger mortgage to replace their current home loan and get the difference in cash. With a cash-out refinance, you take out a new mortgage that exceeds the current mortgage and or other liens on your house. The difference between the new mortgage amount and the balance on the previous mortgage goes to you at settlement in cash. For Example: New Florida cashout mortgage = 300k – Previous mortgage 200k  = $100k difference – closing cost includes taxes, insurance, and title fees.

The proceeds from a Florida cash-out mortgage refinance can be used for anything, including

• Mortgage Refinance Tax Liens, Code Violations, Judgements
• Refinance Florida Tax Liens, Code Violations, Judgements
• Refinance Florida Tax Liens, Assessments, Judgements Ect.

Cashout Florida Mortgage Refinance  4C Checklist

Cash Out Florida Mortgage Refinance

Determine the equity in your home by subtracting what you owe on the mortgage from the home’s estimated market value. For example, if your estimated home is worth 400K and you have 200K remaining on your loan, you have an estimated 200K equity and 50% loan-to-value. 200 / 400= 50% LTV. Depending on your credit and loan program, lenders will lend up to 80% loan-to-value. In this case, you might get 400 X .80 =320,000

• Subtract your current loan balance from the value of your home. 400K – 300K = 100K 
• Assess the deal’s benefit – try to calculate your new monthly payment and think about how comfortable you will be with paying it. If you’re unsure, looking for other refinancing options is best.
• Apply –  just like when you got your first mortgage, you will again have to go through the appraisal and underwriting process before you can apply for a loan.

What Fees Should I Expect With A  Cash-Out Refinance?

The cost associated with a cash-out refinance greatly depends on the credit, equity, and loan program that you applied for. As with any cash-out mortgage refinance, you’ll have to pay closing costs. These costs typically range from 3% to 6% percent of the total loan amount.

Bad Credit No Tax Return Florida Service Areas Include:

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 Bad Credit 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
Indian Harbour 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, Florida, Bad Credit 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