Our mission.
City First Mortgage provides direct access to hard money funds, ensuring all your real estate investment goals are obtainable. Our team is dedicated to securing the best possible options for our prospective borrowers.
About us
South Florida's most reliable non-conforming lender since 1988.
We help small business owners, contractors, and real estate investors finance their goals swiftly and efficiently. We customize our hard money loan options for each unique project. No upfront fees. No junk fees. No tax returns.
How we work.
City First Mortgage was built to save you money. We don't just make loans, we find them. We have been finding the right loans for Americans for more than 30 years.
The process.
Get started in basic steps in under five minutes. Submit the file, see what we need next, and watch it move through the pipeline in real time.
Why hard money.
Banks lend to paperwork. We lend to the deal in front of us. When the asset is right and the plan is real, the money moves.
What we fund.
Hard money loans.
Direct access to hard money funds for real estate investors. Asset-first underwriting, led by judgment instead of checklists, so your deal is read by a person who wants to fund it. We close when most banks are still asking questions. No upfront fees. No junk fees. No tax returns.
Fix and flip.
We are passionate about helping you take a property from tired to sold. Funding tailored to the rehab timeline, with draws that match the construction schedule. Built for investors who move fast and sell faster.
Non-QM investor products.
Qualification on alternative methods past traditional income verification. DSCR and bank-statement paths for real estate operators with real cash flow, even when the tax returns tell a quieter story.
Foreign nationals.
Mortgage paths for international buyers and refinancers. Identity and asset verification, simplified. Florida property, anywhere your passport is from.
Think outside the bank.
Call us about your next deal. Real answers same day.