Question 1

What is a hard money loan?

Accepted Answer

A hard money loan is a short-term, asset-based loan secured by real estate. It's used by real estate investors to fund deals quickly, without the strict requirements of a traditional bank mortgage.

Question 2

Who uses hard money loans in Jacksonville?

Accepted Answer

Typical borrowers are real estate investors, flippers, developers, and landlords in the Jacksonville area who need to close a deal fast, have a complex situation, or want to leverage their equity.

Question 3

What are typical interest rates and points?

Accepted Answer

Rates and points vary by deal — including LTV/LTC, property type, and borrower experience. Programs in the Jacksonville market generally price competitively for short-term business-purpose loans. Submit the form for a deal-specific quote from a matched lending partner.

Question 4

How quickly can a loan close in Duval or St. Johns County?

Accepted Answer

Most deals close in 7 to 14 business days after a complete application, depending on title, valuation, and insurance turnaround.

Question 5

What is the maximum LTV / LTC you'll consider?

Accepted Answer

For fix & flip projects, programs in our network typically go up to 90% of Loan-to-Cost (LTC) and up to 75% of After Repair Value (ARV). Other loan types are generally capped around 70% of purchase price or appraised value. Final terms depend on the deal and borrower profile.

Question 6

Do you match new construction projects?

Accepted Answer

Yes — financing is available for experienced builders and developers for ground-up construction projects in Jacksonville and surrounding areas.

Question 7

Can I get a loan with bad credit?

Accepted Answer

Possibly. Because these are asset-based loans, credit is not the primary factor. Most programs prefer a 620+ score for best pricing, but lower scores can be considered when the deal itself is strong.

Question 8

What property types qualify in Florida?

Accepted Answer

Non-owner-occupied residential (1-4 units), commercial properties (retail, office, industrial), and land. Loans are for business purposes only — no owner-occupied primary residences.

Question 9

What documents do I need to get started?

Accepted Answer

To start, just fill out the form. For a full application, lending partners typically request a purchase agreement, a scope of work/rehab budget, and details about the entity you're borrowing in.

Question 10

How is this different from a conventional mortgage?

Accepted Answer

Speed and criteria. Hard money closes in days, not months, and is underwritten primarily on the property's value (the 'hard asset') rather than personal income and credit history.

Hard Money Loan Specialist Jacksonville, FL

We connect Jacksonville real estate investors with vetted hard money & private lending partners. Fast asset-based funding — closings typically in 7–14 business days.

Funding for Every Jacksonville Real Estate Strategy

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Faster & More Flexible Than a Bank

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Common Questions About Hard Money Loans in Jacksonville