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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 AmountProperty ValueCredit ScoreProperty Type
$309,294.00$760,000.00619Purchase of Single Family Owner Occupied Home
$250,000.00$425,000.00425Refinance on Owner Occupied Single Family Home
$10,000.00$65,000.00535Mobile 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

Pros and Cons of Refinancing: The Ultimate Guide

Refinancing is a big financial decision—it can save you thousands of dollars on your mortgage during the lifetime of your loan. That puts more money in your pocket to spend on things like repairs and renovations, paying off other debt, or however you see fit. But it’s not always a wise move to refinance whenever […]

Conventional Loan vs FHA Loan: What’s the Difference?

The home buying process requires many decisions, like which neighborhood to live in and how many bedrooms you’ll need. But not every decision is easy or particularly fun to make, especially when it comes to how you’re going to pay for your new home. If you’re like most homebuyers, you’re planning to take out a […]

Is It Time to Sell Your Mortgage Notes? Here’s How You Know

Handling large amounts of money can be stressful in uncertain times. Bills begin to add up, and significant lifestyle changes, such as losing a job or sending a child to college, can only increase your need for funds.  For homeowners who need immediate cash flow, one option is to sell mortgage notes. But how does […]

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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