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Welcome to The Associates Home Loan of Florida, Inc.

A Mortgage Brokerage Firm Different Than the Rest

Associates is a conforming and non-conforming mortgage brokerage firm, specializing in alternative lending resources and flexible underwriting guidelines. Associates was created to help those individuals to obtain mortgage financing who had struggled with problems such as bankruptcy, foreclosure, and loss of income due to circumstance beyond their control.

How are we different than the rest? We offer low sizes for mortgage loans ranging from $15,000 to $3 Million. We can provide mortgage loans for all types of residential homes, and commercial properties. We can even offer loans on log cabins, and manufactured homes. We have programs for people whom have nontraditional Income, and are a foreign national.

Private Lending

Private lending consists of individuals providing funding to borrowers, with loans being secured by a deed of trust that is recorded against the property of a borrower.

Hard Money Loans

A Hard Equity/Hard Money loan is a specific type of financing in which a borrower receives funds based mainly on the value/equity of the real estate.

Bad Credit Loans

When it comes to qualifying for a home loan, bad credit doesn’t have to hold you back. You do not have to wait to start your life until it improves.

Share Your Review

We love helping you with your home loan needs so let us know how we’re doing by sharing your review.

Recently Funded Loans

Loan Amount Property Value Credit Score Property Type
$309,294.00 $760,000.00 619 Purchase of Single Family Owner Occupied Home
$36,000.00 $85,000.00 515 Multi-family
$40,000.00 $90,000.00 565 Condominium
$250,000.00 $425,000.00 425 Refinance on Owner Occupied Single Family Home
$75,000.00 $245,000.00 517 Land/Acreage
$10,000.00 $65,000.00 535 Mobile Home with Acreage

A Large Lending Network

We’re Here to Meet your Lending Needs

banking & finance

We have a large network of banks, lenders and private investors, which allows us to make many loans that others cannot. We can assist you with any real estate loan transaction in any of the Florida counties and cities.

We offer the following loan options: Hard money, Subprime, Equity Based Residential, Commercial Real Estate, Consolidation, Conventional, FHA, VA, Jumbo Loans, Reverse Mortgages, & More!

Realtors, Auction Companies & Investors

We can assist your potential customers with the financing for their purchase that they may not be eligible for through conforming bank loans, FHA and conventional lending sources.

We can help if you have credit score issues, overwhelmed by credit card debt, 30% to put down or have property with equity, Nontraditional Income, or Bank statement program.

Specialized Programs

We offer specialized programs for high profile borrowers with unique needs and situations.

We can provide the discretion that you are looking for whether you are a professional athlete (NFL, NBA, NHL, MLB, etc.), celebrity or entertainer.

new home

Contact Us Today to Discuss your Loan Needs

Hard money and subprime loans are our specialty and we strive to structure a loan that fits your needs.

  • Owner Occupied Hard Money Loans
  • Foreign national investment properties up to 50%
  • Purchase or refinance investment properties
  • 5 or less units up to 50% owner-occupied purchase up to 70% of the purchase pric
  • Owner-Occupied refinance debt consolidation up to 70% of the appraised value
Tampa broker opens doors to homeowners shut out by banks

Recent Blog Posts

How to Dispute Property Taxes & Lower Your Bill

Bloomberg reported that property taxes rose twice as fast in 2022 than in 2021. As a result, each state’s Department of Revenue and local governments are collecting more revenue than ever in property taxes – and homeowners are noticing. However, the National Taxpayers’ Union says the government over-assesses 30-60% of taxable properties! So if your […]

Refinancing a VA Loan to Conventional Terms

Refinancing your VA loan to conventional terms can be advantageous for many homeowners and real estate investors. In this blog, we’ll discuss the basics of VA loans, including their benefits and eligibility requirements. We’ll also delve into why some borrowers choose to refinance from a VA loan to conventional financing and outline the steps involved […]

How Do VA Loans Work? An In-Depth Guide to VA Loans

Are you feeling discouraged and outpriced by the real estate market? If you’re a homeowner, real estate investor, or home buyer with military service under your belt, you may have heard about VA home loans. The Department of Veterans Affairs (VA) supports these VA loan benefits, which provide multiple advantages to eligible service members, veterans, […]

We’d love to hear about your experience with us. If you’ve used our services, please consider leaving us a review.


  • Some hard working people here, with a flexible business model. Fast and just what's needed.

    Steve Perez
  • I recently received a home loan from Associates I have fair credit inherited my home from parents and it is my first home. I only needed 30,000.00 to do repairs and fix my credit. The process easy loan officer answered all my questions and I received the money I needed. I received the money in ten days. I liked the option of going to there office and seeing and talking with the loan officer. I would recommend Associates to any home owner that needs money fast and uncomplicated.
    Jason lupson
  • Fantastic experience, have completed a two loans with Pat and have also worked with a majority of the staff on a personal level. Would definitely recommend them to anyone who needs a loan!
    Marylou Kivler
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