Business Details
31 Years
experience
Trusted Mortgage Brokers in Tampa, FL
Associates Home Loan Of Florida has been a trusted mortgage brokerage firm since 1995, specializing in alternative lending solutions for clients with unique financial circumstances. Our team of experienced mortgage advisors provides personalized loan options, including hard money loans, private lending, and refinance programs, tailored to meet the needs of individuals facing credit challenges or seeking nontraditional financing. We prioritize client relationships, offering streamlined approval processes, flexible underwriting guidelines, and rapid decision-making to ensure timely access to funds.With a focus on privacy and discretion, we serve clients across Florida, helping them achieve homeownership, investment goals, or debt consolidation through customized mortgage solutions. Our commitment to transparency and client education ensures borrowers understand all available options, interest rates, and requirements before making informed decisions. As a locally trusted name, we maintain a network of private investors and lenders to facilitate loans ranging from $15,000 to $3 million, including specialized programs for high-profile borrowers and foreign nationals.
Services
Hard Money Loans
Private Lending
Bridge Loans
Bad Credit Loans
Commercial Lending
Reverse Mortgages
Jumbo Loans
FHA Loans
VA Loans
Refinance Options
Details
- Year established: 1995
Highlights and features
- We have over 25 years of experience in alternative mortgage lending.
- Our flexible underwriting guidelines accommodate credit challenges and nontraditional income sources.
- We offer rapid loan decisions within 24 hours and funding in 7-14 days.
- Our private lending network facilitates loans from $15,000 to $3 million.
- We provide tailored solutions for high-profile borrowers and foreign nationals.
What people say
Fantastic experience
Fast and just what's needed
Loan closed quickly
Excellent service
Made my dream come true
Services
Hard Money Loans
Hard money loans provide short-term financing secured by real estate equity, ideal for borrowers needing quick funding or facing credit challenges. These loans prioritize property value over credit scores, offering flexible terms for residential or commercial properties. Our streamlined process ensures rapid approval and funding for urgent financial needs.
Private Lending
Private lending connects borrowers with individual investors for customized loan solutions outside traditional banking systems. This option suits those requiring non-conforming loans, with terms negotiated directly between parties. We facilitate secure transactions backed by real estate collateral for amounts ranging from $15,000 to $3 million.
Refinance Options
Our refinance programs help clients reduce payments, consolidate debt, or access equity through cash-out refinancing. We specialize in low-credit-score refinancing and high loan-to-value options for homeowners in Florida. The process simplifies existing mortgage replacement with improved terms tailored to financial goals.
Bridge Loans
Bridge loans offer temporary funding for real estate transitions, such as purchasing a new home before selling an existing property. These loans provide quick liquidity with flexible repayment terms, ideal for investors or homeowners needing immediate capital for property acquisitions.
Bad Credit Loans
Bad credit loans cater to borrowers with financial histories including bankruptcy, foreclosure, or low credit scores. We assess applications based on property equity and repayment capacity rather than strict credit requirements, enabling homeownership opportunities for those excluded from traditional lending.
Questions
What loan options are available for borrowers with bad credit?
We offer hard money loans, private lending, and specialized programs for borrowers with credit scores below 500 or recent bankruptcies.
How quickly can I get approved for a loan?
Most applications receive a decision within 24 hours, with funding typically completed in 7-14 days.
Do you offer loans for investment properties?
Yes, we provide financing for residential and commercial investment properties, including fix-and-flip projects.
What documents are required to apply?
Required documents include pay stubs, tax returns, bank statements, and property details, with flexible requirements for self-employed applicants.
Are there prepayment penalties on your loans?
Most of our loan programs do not include prepayment penalties, allowing flexibility for early repayment.
Can foreign nationals obtain loans through your firm?
Yes, we offer specialized lending programs for foreign nationals purchasing or refinancing properties in Florida.
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