Hard Money Mortgage Lenders in Florida 

All Situations Welcome Call 954-667-9110

Owner-Occupied + Non Owner Occupied 

Hard Money Florida Mortgage Terms

• Types: Purchase, Refinance, and fast funding – All property types and situations welcome!
• Property Types: All property types welcome
• Closing: Average closing around 5-14 days, assuming no delays
• Rate: Market Rates
• Loan-to-Value (LTV): Often up to 50-75%, though some allow up to 100% CLTV in specific scenarios.
• Term Length: Short-term, usually 12 to 24 months, balloon amortized over 30 years. 
• Closing Time: Rapid, often 7-14 days or slightly longer, depending on the lender.
• Situations: All situations welcome

Hard Money Florida Property Types:

• Single-family home – Florida Hard Money Mortgage Lenders: 
• Townhouse- Florida Hard Money Mortgage lenders: 
• Manufactured home – Florida Hard Money Mortgage Lenders : 
• Multifamily – Florida Hard Money Mortgage Lenders: 
• Villa – Florida Hard Money Mortgage Lenders: 
• Condos- Florida Hard Money approved Condos: 
• Commercial – Florida Commercial Hard Money Mortgage Lenders :
• Condotel or Condo Hotel – Hard Money Mortgage Lenders: 
• Jumbo Luxury – Bad Credit Mortgage Lenders:
• Co-op Florida – Bad Credit Mortgage Lenders:
• Non-Warrantable Condo – Hard Money Mortgage Lenders: 
• Rental Property – Hard Money Mortgage Lenders: 
• Pad Split – Hard Money Florida Mortgage Lenders:
• Land – Florida Hard Money Land Lenders:

Hard Money Florida Mortgage Situations: 

Yes, we have Private Hard Money Florida Mortgage Lenders & Bad Credit Florida mortgage lenders, NO Tax Return Cashout Condo Hard Money Florida Lenders, – Lis Pendens –  Refinance Claim of lien – Refinance Florida Tax Lien – Refinance Judgments –Commerical hard money lenders– Refinance Florida Lis Pendens –Refinance Florida Claim of lien –Refinance To Pay Florida Tax Lien – Divorce mortgage refinance –  Refinance Florida Code Violations –Refinance Florida Final Judgment –Buy-Out-Florida Mortgage Refinance –Mortgage with 30-60-90 day late payments –Tax Lien Assessment Refinance –Department Of Revenue Warrant –Refinance Past Due HOA–  Stop Forclosure –  Department Of Revenue Warrant – Refinance Florida HOA-  Stop Forclosure–  Refinance Bankruptcy – Inheritance Bad Credit Cashout Refinance, Divorce Refinance Buyout – Cashout Refinance Home Listed For Sale Bad Credit –– Refinance Divorce Buyout –  business partners,– inheritance Cashout– Refinance Buyouts– Buyout Agreements – And more

Hard Money Refinance To Pay Florida Taxes:
– Refinance Lis Pendens– Refinance Claim of lien – Refinance Florida Tax Liens – 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 home’s equity into cash to clear up these tax debts. Quickly paying off commercial property taxes in Florida helps eliminate recurring penalties and potentially avoid foreclosure or code violations. To cash out refinance, you will need sufficient 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.

Investment Florida Properties Include: 

• Non-Owner + Occupied Only
• Purchases & Refinance
• Business Purpose 
• Corporate Title
• Foreign Nationals
• Investment
• Corporate Title 

• Commercial Properties – Including:

• • Hotels
  • Motels
  • Strip shopping centers
  • Apartment complexes
  • Shopping Centers
  • Warehouse in a warehouse district
  • Office Condo
  • Marinas
  • Vacant Land
  • Single-use commercial buildings, including restaurants, day care centers, churches, etc. on a case-by-case basis
  • Purchase
  • Refinance
  • Investors
  • Foreign Nationals
  • Purchases
  • Refinance
  • Rehab loans based on ARV, escrow for repairs required
  • If your property type is not listed, please call me at 954-667-9110

Florida Hard Money Lenders Specifications

All documents and fees are subject to change.

Hard Money Lenders Florida Letter Of Intent

After we pre-approve your hard money loan request, you will receive a Letter of Intent. Florida hard money lenders in consideration of the terms and conditions described herein, hereby agree to offer financing as described herein, subject to your compliance and acceptance of the following terms and conditions of the Lender:

PRIMARY HARD MONEY LETTER OF INTENT

BORROWER: Your Name Goes Here
GUARANTOR: Your Name Goes Here
MORTGAGED PREMISES: Subject Property 
LOAN AMOUNT: Estimate Loan Amount 
INTEREST RATE: Market Rate goes here
REPAYMENT TERM: 24 months/interest only / escrows included in the monthly payment amount
NO PREPAYMENT PENALTY: $0
POSITION: First Mortgage / Purchase
LOI ORIGINATION DATE: Date goes here
LOI EXPIRATION: Date Goes Here
REVIEW FEE: NA
OTHER TERMS: None  – Subject to change. 

THIS IS A TERM MORTGAGE AND THE FINAL PRINCIPAL PAYMENT OR THE PRINCIPAL BALANCE DUE UPON MATURITY WITH ACCRUED INTEREST. Upon receipt of the appraisal report, the Florida hard money lender will review the appraisal and has the discretion to rescind the LOl or modify the terms of the initial offering. At that time, our closing agent will review and inspect all articles related to the mortgaged premises. These terms and conditions are contingent on the property value exceeding: XXXXXXXXX. Also, the Florida property inspection is satisfactory to hard money Florida mortgage lenders and meets their title requirements. Please note that the Lender requires property (hazard and liability), wind, and flood insurance, with coverage amount determined by the lesser of the loan amount or the replacement value per the appraisal. The loan is SUBJECT TO CLEAR AND MARKETABLE TITLE. At any time prior to the closing of the loan, this Letter of Intent may be terminated at the hard money Florida mortgage lenders’ option by written or electronic notice to Borrower and/or Broker. The hard money Florida mortgage lenders’ right to terminate this Letter of Intent and to cancel the loan shall exist notwithstanding any subsequent communication by hard money Florida mortgage lenders or Lender’s employees or agents that may appear to waive hard money Florida mortgage lenders’ right to terminate the LOI and cancel the loan.  This is a nonbinding letter of intent that includes provisions under discussion for a possible loan and mortgage for Property yet to be identified. This is not a contract. This is not a legally binding document. This letter of intent is confidential and shall not be disclosed to anyone other than the parties, their attorneys, and accountants. The terms of the transaction being discussed are attached to this letter, but they are not binding unless and until set forth in a written contract in the form of a Mortgage and Promissory Note between Borrower and hard money Florida mortgage lenders. The word “shall” is used in the attached terms only as an example of how a contract might read, and it does not mean that the attached terms are or ever will be binding.

Owner-Occupied Florida Hard Money Lenders

Are you seeking a loan secured by an owner-occupied home in Florida? Our  Private hard money Flroida mortgage lenders lend on primary Florida homes as long as you can document the ability to repay, commonly called (ATR). The Ability-to-Repay (ATR) rule is a federal regulation requiring Florida mortgage lenders to make a good-faith determination that a borrower has the reasonable ability to repay on primary home loans before extending credit.  Ability to repay applies to residential mortgages on primary residences, preventing reckless lending by requiring verification of income, assets, employment, and debt.

Hard Money Florida Mortgage Lenders Application:  Copy and paste the email to 911Loan@gmail.com 
If it does not apply, please put (NA) or (TBD) if Not applicable or To Be Determined.
Please do your best on the following questions, and I will call you when you’re done for review. 

1. Property address or appraisal: 
2. Contract (if purchase): 
3. If refinancing, amount owed: 
4. Default: Y or N: 
5. Estimated value (if no appraisal): 
6. Loan amount: 
7. Loan purpose: 
8. Borrower name or Name of corp: 
9. Guarantor (if corp): 
10. Pictures and/or video of the site (construction): 
11. Approved Plans (construction): 
12. Budget (construction): 
13. Zoning Letter (construction): 
14. Your Name, Phone, Email: 
15. Exit strategy / Summary of what you want to accomplish: 
16. Explain how you will repay:

Key Florida Hard Money Lenders Features

• Asset-Based: Focuses primarily on the property value rather than personal credit scores.
• Property Types: Residential, commercial, fix-and-flip, new construction, and multifamily.
• Borrower Types: Primary Homes, fix-and-flip investors, developers, and foreign nationals.
• Property Refinance: Primary, Commerical, Investors: 50K To 25MM repay in 2 years.  

Hard Money Florida Mortgage Refinance:

• Refinance Florida Lis Pendens –
• Refinance Florida Claim of lien –
• Refinance To Pay Florida Tax Lien –
• Refinance Florida Code Violations –
• Refinance Florida Final Judgment –
• Buy-Out-Florida Mortgage Refinance –
• Mortgage with 30-60-90 day late payments –
• Tax Lien For Exemptions and Assessment Refinance –
• Department Of Revenue Warrant
• Refinance Florida HOA

No Tax Return Florida Hard Money Lenders:

• 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
• NO Tax Return Short Term Rental = OK     No Income Investor Refinance = OK     Condo Refi No Tax Returns = OK
• Estate Refinance NO Tax Return =  OK      No Income Refinance = OK               Condo Cashout No Tax Returns = OK

Florida Hard Money Questions / Application 

• The following information is needed for conditional loan pre-approval:
• If it does not apply, please put NA.
• Please do your best on the following questions, and I will call you when you’re done for review. 

1. Property address or appraisal: 
2. Contract (if purchase): 
3. If refinancing, amount owed: 
4. Default: Y or N: 
5. Estimated value (if no appraisal): 
6. Loan amount: 
7. Loan purpose: 
8. Exit strategy: 
9. Borrower name or Name of corp: 
10. Guarantor (if corp): 
11. Pictures and/or video of the site (construction): 
12. Approved Plans (construction): 
13. Budget (construction): 
14. Zoning Letter (construction): 
15. Your Name, Phone, Email : 
16. Summary of what you want to accomplish: 
17. How will you repay the hard money loan:

Copy and paste the above questions
Email to Thomas Martin @ 911loan@gmail.com or call 954-667-9110 for more info.