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Hard Money Lenders in Florida

What Florida investors should know, with county data and city pages.

In Florida, hard money is a common tool for investors who need to close quickly or buy a property that needs work. The lender focuses on the property's value and your plan for it, and expects to be repaid through a sale or a refinance within a short period. Use the city pages below to see local housing data, then talk with a licensed loan officer about cost, exit options and the documents involved.

Questions about hard money lenders in Florida?

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Florida foreclosure process: judicial. Section 702.01 requires all mortgages to be foreclosed in equity, meaning through a court action. Short-term loans carry real risk if the exit plan slips, so know how default is handled before you sign.

Florida transfer taxes: Documentary stamp tax. Applies to deeds and other documents that transfer an interest in Florida real property, as well as notes and recorded mortgages; it is normally paid to the county clerk or recording official when the document is recorded. Your Loan Estimate or closing statement lists what applies to your deal.

Where the numbers point in Florida

Counties with the most investor loans with balloon or non-amortizing terms (2024):

CountyInvestor loans with balloon or non-amortizing terms (2024)
Pinellas County603
Lee County510
Miami-Dade County490
Duval County456
Hillsborough County438
Broward County389
Orange County319
Palm Beach County298
Brevard County249
Polk County212
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Prefer to talk first? Call (888) 865-8230. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

Hard Money Lenders by city in Florida

Common questions

What happens if I cannot repay the hard money loan on time?

If the property has not sold or refinanced by maturity, the lender may offer an extension for a fee, or the loan may go into default. Default can bring added charges and, eventually, foreclosure. Ask about extension terms before you sign, keep reserves for delays, and contact the lender early if your timeline slips.

Do I need experience to get a hard money loan?

Experience helps but is not always required. Lenders often offer stronger terms to investors with completed projects, and a first-time investor might need to contribute extra cash, show a fuller plan or bring in a seasoned partner. Be honest about your track record; the loan officer can tell you which lenders work with first-time investors.

Why does hard money cost more than a regular mortgage?

These loans carry more risk for the lender: they are short, often fund properties in rough condition and rely on an exit that has not happened yet. Lenders offset that risk with a higher rate, points and fees. You are paying for speed and flexibility, so weigh the full cost of a hard money loan against the value of securing the deal you want.

Other investor loans in Florida

DSCR loansDSCR requirementsDSCR down paymentAirbnb / STR loansHard money for a primary homeFix and flip loansInvestor bridge loansPortfolio lendersBlanket mortgagesInvestment property loansHELOC on a rentalInvestor cash-out refiSecond home loansInterest-only investor loansPrivate money lenders

Related guides

Hard Money Lenders overview · Florida investor loan overview

  • 2024 HMDA data
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