HouseMax Funding helps Florida real estate investors move fast. Whether you're flipping a property, building ground-up, or expanding your rental portfolio, our hard money loans are built for speed, flexibility, and results—with no middlemen and no wasted time.
Founded by a team that has flipped over 2,700 homes and sold more than $50M in Real Estate. Billions in loans funded since starting HouseMax Funding in 2017.
With no surprise fees
Allowing you to move quickly on opportunities
Many hard money loans close in as little as 5-14 days.
Florida’s real estate dynamics are unique: as of August 2025, the statewide median home price sits at about $402,900, only down 0.18 % year-over-year—showing relative stability even amid cooling conditions. Inventory has increased, giving buyers more negotiation leverage. In Spring 2025, the median home price was $412,000 and median days on market hovered around 49 days, up from 39 the prior year. Meanwhile, strong rental demand supports average statewide rents near $2,150/month, up ~6.2 % year-over-year.
In Miami, Orlando, Tampa, Jacksonville, and Fort Lauderdale, competition is fierce and properties often move in days, leaving little room for slow financing. Because traditional lenders frequently balk at non-conforming, distressed, or value-add deals in Florida’s coastal and inland metros, hard money is essential for investors here — it allows you to lock in deals quickly in Miami or Tampa, renovate opportunistically, and refinance or exit before market shifts erode your margins.
A hard money loan is a short-term, asset-based loan commonly used by real estate investors. Instead of relying on personal income or credit alone, approval is based on the property’s value and your investment strategy.
A Texas-based hard money lender like HouseMax helps you act fast and stay competitive, with quick closings and flexible funding tailored to local investors.
Typical requirements include:
- Credit score: Often 680+ (flexible for experienced investors)
- Down payment: 0–20% of purchase price
- Clear exit strategy (sell or hold)
Rates generally start around 8.5%–12%, depending on loan-to-value (LTV), property type, investor experience, and exit strategy.
Most terms are 6–18 months, giving investors time to renovate, refinance, or resell the property. Extensions may be possible.
With all documents in place, many loans can close in 5-14 days, helping you beat out slower buyers.
HouseMax Funding is the Best Hard Money Lender in the Nation!
If you want to fast track the approval, fill out an application so we can understand the full picture and hopefully get you approved today.
