Welcome to Associates Home Loan of Florida, Inc.! If you've got the equity, we've got the loan! We are your one stop shop for all of your Florida hard money and equity based real estate loan needs. With our office based out of Tampa, Florida, we can assist you with any real estate loan transaction in any of the Florida counties and cities. If you want to purchase or refinance a property, let one of our experienced mortgage specialists assist you with the right Florida hard money loan. Contact us today to discuss your Florida hard money loan needs. We have a large network of hard money lenders and private investors, which allows us to make many hard money loans that others cannot. Hard money loans are our speciality and we strive to structure a loan that fits your needs. We specialize in the following:

- Residential (Single Family, Multi-Family & Trophy Homes), Small Commercial (Office, Retail, Light Industrial, Mixed Use & Hotel/Motel)

- Refinances and Purchases (Loan amount and Loan To Value based on the purchase price, not the appraised value or after repaired value)

- Loan amounts from $20,000.00 on up

- Maximum Loan To Value range of 50%-65%, depending upon the transaction.

- Full Documentation required for all loan type transactions, unless otherwise stated

- Non-Owner Occupied (Investment Properties), Second Home and Owner Occupied

- Blanket Loans and Cross-Collateralize Properties

- Stated Income (Single Family Investment & Multi-Family Investment) Tampa Bay Surrounding Area and South Florida

- No Doc (Single Family Investment & Multi-Family Investment) Tampa Bay Surrounding Area only

- We do 1st Mortgages ONLY

- All Owner Occupied Primary Residences MUST set up escrow accounts for Taxes and Insurance

- YES TO: Foreign Nationals, Free and Clear Properties (No mortgage on the property), Real Estate Investors owning multiple properties or wanting to purchase multiple properties, Condos, Gas Stations, Mobile Homes/Manufactured Homes (case by case), FHA Fallout, REO's, Short Sales, Foreclosure Bailout (case by case), Bankruptcy, Bankruptcy Buyout, Payoff IRS and State Tax Liens, Mortgage Lates, Debt Consolidation, Bad Credit, Judgments, Payoff Delinquent Property Taxes, Payoff Credit Cards, Settle Credit Card Balances and/or Collections, No Credit and No Seasoning.

- NO TO: Rural or Non-Waterfront Vacant Land (Lots, Acreage, Etc.) & Second Mortgages

For a complete list of mortgage and real estate related terms and definitions, please go to our mortgage glossary and click on the alphabetical term you are searching for from A-I, J-R or S-Z.

Connect with us and post your comments on our Hard Money Blog

Please go to our Real Estate Listings page for commercial properties, residential properties, for sale, for rent & lease option.

Find the perfect loan to fit your needs:

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.

Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.

Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards, put your kids through college, or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.