Hard Money Loans in Brevard County

What Decides a Loan Here

Three things carry a Brevard County file, and none of them is a tax return.

• The property

  Condition, use, and what the asset is worth as it sits. The property is the security, so it is where the review starts.

• The equity

  How much of the deal the borrower is holding. Real equity is what makes an asset-based loan work for both sides.

• The exit

  How the loan gets repaid, whether that is a sale, a refinance, or income from the property once it is stabilized.

When Hard Money Is the Right Tool

Brevard County is a coastal county in the Space Coast, and its county seat is Titusville. Investors here run into the same two problems everywhere else in Florida. A deal has a deadline, and a bank has a process that does not respect it.

Hard money solves the first problem by moving on the asset. There is no income packet to assemble and no committee waiting on a document that has not arrived yet.

It solves the second by taking property a conventional lender will not touch yet. A building mid renovation, a vacant unit, or a borrower whose credit history does not tell the whole story.

The tradeoff is that these are shorter loans meant to be repaid or replaced. That is why the exit is part of the conversation from the first call.

Working With Us

We have been a non-conforming lender since 1988, which means the situations that surprise other lenders are not new here.

No upfront fees, no junk fees, and no tax returns. Bring the property and the plan and we will tell you quickly whether it works.