Your One Stop Hard Money and Private Mortgage Source.


We Offer Hard Money and Private money Mortgages for Residential and Commercial Properties. Through out the State of Florida.

Minimum loan amount of $100,000
Maximum loan amount $50,000,000

All types of Properties

Single Family Properties

Multi Family



Bridge Loans

and more.

Construction Loans
Income Producing
Non Performing
Investment Properties
Ltv's upto 70%
Low Rates and Points

Arv Loans

Fast Closings

What is hard money?

"Hard money" or a "private mortgage" refers to mortgages made by Investors, Individuals, Funds etc.  Traditional mortgage Banks take weeks to over a month to close a home loan. The Banks have to comply with specific rules that do not allow them to lend to people with poor credit recent bankruptcies or the inability to qualify using paystubs and W2's

Since hard money comes from private lenders etc. they can approve and fund loans very fast. Without the aggravation and stress associated with a standard bank loan.

Who needs a hard money loan?

Generally it is Buyers/Investors with either poor credit inability to show income or borrowers looking for very fast closings and more.  But they also are for those that own to many properties need creative financing or are purchasing unique properties. In fact, most customers of hard money lenders are property investors.  Also, they might pay cash for the home - perhaps at auction - and then use a private lender to get their cash back out. They can then use that money to rehab the property or purchase another one. There are many people with many reasons.

Compete with cash buyers

What if you see the chance to buy a property that is not "bankable" (missing kitchen/bathrooms roof etc) But you see the upside and potential profit.  Hard money is for you.

What if you're competing with cash buyers? Hard money is for you.


Finance "Unique" property

Bring us your property and we will give you an option.

  • Mixed use property
  • Residential property
  • Condotels
  • Rentals
  • Commercial property
  • Land
  • Multi-unit homes
  • Apartment buildings & more


How fast can a hard money loan fund?

The normal turnaround time for a private mortgage is a couple of weeks.  Or sooner

Why hard money?

Hard money is not for everyone. Here are the most common reasons for hard money financing:

  • Fix and flips
  • Land loans
  • Construction loans
  • Buyers with credit issues
  • Very fast closing
  • Cash Contracts
  • Need a bridge loan
  • Unique Properties and more

How much can you borrow with hard money?

Loan sizes range from $100,000 to over $25,000,000 Hard money loans are risked based. With this, it requires a larger down payment then a traditional loan.

Many hard money lenders will lend upto 70% of the current value of the property. Some will lend based on the repaired value (ARV) for fix and flip or rehab transactions. The ARV is the estimated value of the property after the borrower completes specified improvements. These terms are different and are based per deal.

ARV loans are riskier because lenders put in a higher percentage of the property value and borrowers contribute less. So these loans do carry higher interest rates. and the investor holds the repair money in escrow.

How much does a hard money loan cost?

The cost is always based on risk, property type borrowers experience etc.

Hard money lenders require higher interest rates and fees because they take on the higher-risk loans.


We specialize in The State of Florida, Specifically South Florida:  Broward County, Miami-Dade County and Palm Beach County but we can do these loans through out the State of Florida as well.

Contact us today discuss your options.

Hard Money Loans: Davie, Cooper City, Southwest Ranches, Pembroke Pines, Miramar, Miami, Ft Lauderdale, Plantation, Weston, Sunrise, Parkland, Coral Springs, Lighthouse Point, Boca Raton, Delray Beach, Deerfeild Beach, Pompano Beach, West Palm Beach, Broward, Miami Dade, Jupiter, Wellington, Stuart, Tampa, Orlando, Kissimmee, State of Florida.