Now Serving Florida - Georgia

1-954-667-9110

HARD MONEY LENDER JACKSONVILLE FLORIDA

As an JACKSONVILLE FL Hard mortgage lender we provide FHA home loans to purchase or FHA Refinance single family homes, FHA approved condos ,and Town homes in  JACKSONVILLE FL.

Jacksonvile FL Hard Money Loans are still available to purchase or refinance Jacksonvile Florida real estate. For purchases’s the price is the guideline. Our Jacksonvile FL hard money loans are based on the purchase price and NOT the appraised value. The rule of thumb has always been, 55-65% LTV Based on purchase price or appraised value, the lower of the two.

JACKSONVILE FLORIDA HARD MONEY LOANS AVAILABLE FOR THE FOLLOWING:

  • • Cash Out Refinance -OK
  • • Rehab Loan for Purchase or Refinance
  • • Bad Credit Florida home loans – Not A Problem with compensating factors
  • • Bankruptcy-No Problem
  • • Foreclosure -No Problem
  • • Hard Money LAND Loans –OK
  • • Seller Held Second Mortgage Loans  – OK
  • • Construction Loan -New & Existing   ( Run Out Of Funds? )
  • •  Fixed & Adjustable Interest Rates with Balloons 4,6,8,10 years
  • • No IRS 4506 Needed
  • • Loan Amount:   Up to Five Million Dollars.

Feel Free to Apply Now for a Miami Florida Hard money mortgage or use our Quick Application to receive a no obligation consultation on your next Florida mortgage.

CLICK START NOW TO GET PRE APPROVED TODAY!

FHA LOAN APPLICATION

or use our quick application to receive a no obligation consultation on your next Miami Florida mortgage.

 JACKSONVILLE FLORIDA HARD MONEY – PRIVATE HARD MONEY JACKSONVILLE FLORIDA MONEY
We provide our   JACKSONVILLE  , Florida loan applicants with access to every Hard money lending source available in the market today. One of the valuable resources is  JACKSONVILLE  private mortgage lenders sometimes called hard money. These private JACKSONVILLE hard money lenders  provide a valuable niche in today’s JACKSONVILLE  Florida real estate market, filling the void left in the wake of the sub-prime mortgage crisis.

WHY MIAMI FLORIDA HARD MONEY LOANS ARE DIFFERENT-Hard Money or Private Equity is far different from other more traditional conventional or even sub prime mortgage sources. Hard money lenders typically lend solely based on the equity or quick sale value of the real estate offered as collateral. Due to the extreme demand for JACKSONVILLE Florida hard money lenders and their ability to pick and chose which loans they wish to provide. Most JACKSONVILLE  Florida hard money lenders pick the more promising properties in the most desirable areas with the lowest loan to value. This reduces the Hard money lenders risk. There are many advantages to the JACKSONVILLE  hard money loans and also some drawbacks detailed below:

JACKSONVILLE FLORIDA HARD MONEY LOAN BENIFITS
1. SPEED- ability to close loans in 7-10 days
2. EQUITY = LOAN- If  can prove the ability to repay.

JACKSONVILLE FLORIDA HARD MONEY LOAN DISADVANTAGES
1. Florida hard money lenders change 10-15% with balloons due in 2-10years.
2. Private hard money lenders change upfront points ranging from 3-5% and have prepayment penalties ranging from 1-3 years depending on the term of the loan.

NO SURPRISES WITH JACKSONVILLE FLORIDA HARD MONEY LOANS- As a JACKSONVILLE hard money mortgage lender we have partnered with only the most ethical and professional private money sources available in JACKSONVILLE  FL. As with any other Florida loan program we offer you will always be provided with detailed disclosures so you know exactly what the rate and terms will be no surprises. All  JACKSONVILLE Hard money rates and fees will be discussed in advance and the agreed upon terms is what we deliver, so there are never any last minutes surprises.

HARD MONEY JACKSONVILLE FLORIDA  LOANS BASED ON PURCHASE PRICE NOT APPRIASED VALUE– Until recently, many Florida Hard Money lenders that we provided were willing to base their loan amounts on property appraised value, rather than the properties purchase price. As the JACKSONVILLE  real estate market has continues to on its decline, the appraised value has become almost non-relevant. The explanation  behind this change from appraisal to purchase price is that properties being sold far below appraised value are typically foreclosure sales. If a private lender ends up foreclosing on a property, they need to sell the asset as soon as possible.  This means they will be in the same position as the bank who is selling the foreclosed property.  To a JACKSONVILLE FL hard money lender, a property is only worth what they know they can liquidate it for.  If the bank is liquidating a property for $100,000, a hard money lender will have to sell at 65,000-75,0000 in order to quickly get their investment back.As Florida mortgage lenders we offers immediate approvals and fast closings. Our professional staff of experienced JACKSONVILLE  consultants will be happy to discuss any loan situation and will make every effort to make it work.

Feel Free to Apply Now for a Florida Hard money mortgage or use our Quick Application to receive a no obligation consultation on your next Florida mortgage.

CLICK START NOW TO GET PRE APPROVED TODAY!

FHA LOAN APPLICATION

CLICK START NOW TO GET PRE APPROVED TODAY!

FHA LOAN APPLICATION

As a JACKSONVILLE Florida Mortgage Lender we also provide:

We’re a local JACKSONVILLE FL FHA Mortgage Lender that has money to lend. Fill our quick application to find out more about the many JACKSONVILLE Florida FHA home loan programs.

FIRST TIME HOMEBUYERS AND MOVING UP HOMEBUYERS FIND THAT FHA HOME LOANS HAVE KEY ADVANTAGES INCLUDING:

EASIER QUALIFICATION- The FHA loan insures JACKSONVILLE Florida FHA mortgage lenders against loss for FHA loans made to properly qualified JACKSONVILLE FL FHA home loan applicants. Most HORSESHOE BEACH FL home buyers will find it easier to qualify with an FHA loan compared to any other Florida home loan programs.

MINIMAL DOWNPAYMENT- FHA mortgages work with the smallest down payment of all Florida home loan programs. The FHA downpayment can come from a family member, charity, or your employer. Although the FHA loan does not have a zero down mortgage option yet, you will find that our experienced JACKSONVILLE FL FHA mortgage professionals can point you to the many Florida FHA Down Payment assistance programs that work well with FHA home loans.

LESS THAN PERFECT CREDIT IS OK– The FHA home loan program exists to expand the pool of qualified JACKSONVILLE FL home buyers. Even JACKSONVILLE FL FHA loan applicants no credit score score or even prior bankruptcies and foreclosures with late mortgage payments get approved every day for FHA home loans to buy or Refinance a home in JACKSONVILLE FL. The FHA loan program uses credit quality, not credit score!

LOWER COST OVER THE LIFE OF THE LOAN– The FHA home loan rates are extremely competitive. FHA’s lower risk to that FHA mortgage means a lower interest rate for JACKSONVILLE FL home buyers and homeowners.

SAFEGUARDS FOR HOMEOWNERS THAT GET BEHIND-The FHA home loan gives JACKSONVILLE FL FHA mortgage lenders more options for helping homeowners who fall behind get current again: special forbearance, workouts, even free FHA mortgage counseling. Furthermore, HUD allows Florida FHA mortgage lenders to take past due payments and move them to the end of the FHA loan and in some instance will actually pay your past due payments for you. Options to save your JACKSONVILLE FL home from foreclosure that you’ll never get from a conventional loan! In an uncertain world, this is another excellent reason for you to apply for an FHA mortgage.

PAYOFF/REFINACE FLORIDA LAND CONTRACTS- If you are in the market for a  Rent to own Florida home  in JACKSONVILLE Florida by way of Florida land contract,  seller financing or contract for deed in Florida, FHA will allow the new owner financed mortgage may be processed as a FHA purchase or FHA refinance.  If all FHA loan proceeds are used to pay the outstanding balance on a land contract the appropriate LTV ratio is applied to the lesser of the appraised value or total cost to acquire the JACKSONVILLE Florida home. Make sure you can document 12 months canceled checks, money orders etc to document your last 12 months payment history.

FHA MANUFACTURED HOME LOANS- FHA Loans are also available for JACKSONVILLE FL modular homes including single wide, double homes (with land) built after June 15th 1976. Check out the FHA manufactured home loan program.

FHA HOME LOANS ARE FULLY ASSUMABLE- When you are ready to sell yourJACKSONVILLE FL single family home, townhouse or condo, you can offer JACKSONVILLE FL home buyers an FHA home loan! All FHA loans can be assumed by qualified JACKSONVILLE FL FHA loan applicants.

These are just a few of the many good reasons to apply for an FHA mortgage. The FHA loan program has evolved since it started in 1934 and now has options for HUD insured loans that fit a variety of differentJACKSONVILLE FL home buyer situations. We are a local JACKSONVILLE FL mortgage company that has money to lend. Fill our quick application to find out more about the many JACKSONVILLE FL FHA home loan programs.

CLICK START NOW TO GET PRE APPROVED TODAY!

FHA LOAN APPLICATION

Florida FHA Mortgage Programs

 

203b Florida Home Mortgage Loan

 

203h Florida Mortgages for Disaster Victims

 

255 Florida Home Equity Conversion Mortgage (HECM)Consumers

 

255 Florida Home Equity Conversion Mortgage (HECM)Lenders

 

203k Florida Rehabilitation Mortgage

 

Florida FHA Energy-Efficient Mortgages (EEM) 

 

Adjustable Florida FHA  Rate Mortgages

 

248 Indian Reservations and Other Florida Restricted Lands

 

Title I FHA Loan for Florida Home Improvements

 

Florida FHA Urban Renewal

 

Emergency Florida FHA Home Loan Program

 

Growing Equity Florida FHA Mortgages

 

Cooperative Florida FHA Mortgages

 

Graduated Payment Florida FHA Mortgages

 

FHA Mortgages For Florida FHA Approved Condominiums

 

Florida FHA Manufactured Home & Lot

 

Manufactured Florida FHA Home Loan (Title I)

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About Us

We are US Mortgage Lenders. Major real estate brokerages regularly entrust their clients to our team due to our reputation for transparency, delivering on time, customer satisfaction and loyalty. With five-star customer reviews on Zillow.com and counting, you're assured of having the backing of an experienced team.
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