Hard Money Lender Florida

Looking for the fastest funding for your real estate project in Florida? 


Hard Money Go can get your loan funded faster than any other financing option. We are a multigenerational hard money loan provider, lending capital to our existing investors as well as welcoming new investors who are looking to buy or refinance property. We have a record of funding our clients’ projects in as little as three business days. For you this means, you don’t have to wait long to get started. Just speak with us and get quick loan approval in as little as 24 hours.

We are the premier hard money lender in Florida, offering our various mortgage programs to those real estate investors who are looking for quick financing for their real estate projects. Our hard money loan programs include:

  • Bridge loan

  • Fix and flip loan

  • Refinance loan

  • Commercial mortgage

  • Residential mortgage

We, at Hard Money Go, aim to provide our competitive loan to investors and realtors whose clients have been denied by the traditional banks due to their credit score or inability to prove income. We have a simple underwriting and closing process that allows us to transfer funds to you in less than a week. This gives our investors the ability to compete with all cash buyers. 


The direct hard money lender in Florida

Florida’s real estate industry is growing day by day. Deals come and go quickly, so you must always be ready with cash to take advantage of the opportunity. If you want quick access to funds, you need a reliable financing partner that can push you past the finish line. With over 30 years in business and the experience servicing even the most complicated deals, our team has what it takes to get your loan funded. 

We are a direct hard money lender 

We are a direct hard money lender in Florida and provide asset-based lending services to beginners and experienced investors. Our highly competitive rates and lows costs are not only for the experienced ones, but we also offer lower interest rates to beginners as well. We understand very well that quick access to funds helps you win the opportunity over other investors. That is why our primary focus is to provide fast and reliable access to our precious customers. 

We have extensive knowledge of the regional real estate market in Florida, and our mortgage professionals are up-to-date on the latest trends in the local real estate market. So you do not need to waste your time educating us about the location and all. Having knowledge of the regional real estate market in Florida helps our loan officers identify whether we can fund your loan quickly, and it won’t take much time to move ahead. 

Why do people prefer us over other lenders in Florida? 

At Hard Money Go, we tailor our programs for the sitution of each borrower. As a direct lender of over 30 years, we know what we are looking for and make the process as easy as possible for you. We offer our mortgage programs at the best cost and lowest rate available in the market. Investors prefer us over other hard money lenders because:

  • Loan approval within 24 to 48 hours and average closing timing is 7 to 10 business days

  • Offering our mortgages program to those with no investing credit history

  • Highly competitive rates and flexible loan programs

  • Minimal documentation is required

  • Flexible underwriting process

Our borrowers consistently praise our lending services because we provide fast, hassle-free closings, reasonable terms, and effective financing solutions. 

Prequalify today

We will be happy to discuss your next project to see if you qualify for our hard money mortgage programs in Florida. Just get in touch with us right now and we will answer all your questions regarding your hard money loans scenario. Prequalify your loan today and let us help you get started with your new project in Florida. 

You are just a call or click away from us! 

Types of investment properties that we finance

We offer a variety of mortgage programs to real estate investors, which include:

  • Residential Refinance
  • Multi-Family Refinance
  • Residential Purchase
  • Multi-Family Purchase
  • Commercial
  • Fix & Flip

We do not require a lot of documents because loan approval is based on equity rather than income or credit. If you have atleast 20% equity in instances of refinances or 20% in the case of a purchase, we can approve you. Your income and credit history do not matter to us. We lend money on the equity of the property that the borrower put as collateral.

Structure of our hard money mortgage programs in Phoenix

Our loan structures are tailored to meet your needs. We provide customized loan terms, and that is why our clients reach out to us again and again whenever they need financing for their real estate project. We work with you as your partner and we value our relationships greatly. Terms on loans change based on a number of factors. You can expect the following loan structure from us:

  • No minimum credit score
  • Prepayment penalties: 6 months
  • No “junk” fees
  • Loans up to 65% LTV
  • Interest rates 6.5%
  • Cost: 2 points
  • No income document required
  • Loan term: 1-3 years
  • Cash out is available

Finance your real estate project with our flexible terms. We will approve your loan application within 24 to 48 hours. Fill out our application form and our mortgage professional will guide you through various mortgage programs. Choose one program and apply for the loan. We will finalize everything and transfer the fund to you within 10 business days. 

Do not let a lack of funds stop you from growing your business. Use our hard money lending services and never miss out on an opportunity. Stop wasting your time and money and get ready to take advantage of our reputation for quick closing.

The length of the loan term varies depending upon the project, but generally, loan terms range from 1-to 3 years. Of course, our loan terms are flexible and negotiable. We would like to discuss your project and will determine the length of the loan term as per your needs. Needs would be dependent on is it a fix or flip, develop and rent, value add loan, or cash out to make imrprovements.

We can close the loan in as little as 3 business days. Of course, every project is different. Some may take more time than others based on the specifics of the borrower including is a purchase, how much equity is there, is the property vested in an LLC, partnership, or others.

Borrowers’ credit scores do not determine whether a borrower can be approved or not. As we offer asset-based lending services, our main concern is the current value of the property that the borrower has put up as collateral. So we welcome those who can’t document income or have adverse reporting’s on their credit. The main qualification is whether a borrower has the equity or down payment to be approved. Borrowers must have at least 70% equity for refinances and 80% for purchases. 

At Hard Money Go we can approve your application in as little as 24 hours. If you have equity in your property and the means to pay for your loan, you can be approved and funde in less than 5 days. We work hard to assist our clients in reaching their financial goals.

There is no simple formula that can be used to determine the type of mortgage program that best fits your needs. However, you can contact us to discuss, and we will guide you in picking the right mortgage program for you by evaluating your project.