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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

What is the Limit for Jumbo Loans in Florida?

When purchasing a new property, you hear about a lot of financing options. But have you explored a jumbo loan and wondered what your limit would be in Florida? Before considering this type of financing, it’s important to know the limitations and conditions you’d face. Below, you’ll find everything you need to know about the […]

How Hard Money Loans Can Help You Purchase a Home

Sometimes it can be difficult to secure a loan if you have an unusual credit history or financial background. Using your real estate as collateral via the hard money financing model can be an excellent way to free up some funding so you can pursue your next big dream, settle other crucial debts, or just […]

Should You Renovate or Move? 5 Questions to Ask Yourself

When you’re ready to make a change in your living situation, you have two options: renovate your current space or move to a new one. There’s no one-size-fits-all answer to this dilemma. Instead, you need to consider your own circumstances to make the right decision for you and your family. Here are five questions you […]

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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