Best Florida Mortgage Lenders
Browse 51 top-rated mortgage lenders in Florida as of February 17, 2026. See lender reviews, ratings, and investment specialties.
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Hard/Private/Non-QM
Starlit Realty Capital serves investors and developers nationwide by sourcing appropriate financing solutions for ground up construction, fix & flip/hold, rental, and bridge products. Loan amounts of 100K-50M. Our expertise and dedication ensure that your investment journey is guided by professionals who prioritize your success. With a focus on delivering tailored financial solutions, we strive to elevate the potential of every project and partnership. view more -
NMLS # 2468614
Conventional & Gov.
Hard/Private/Non-QM
Cap One Lending – 5-Star Rated, Investor-Focused Financing Cap One Lending is a veteran-owned, 5-star rated direct lender specializing in Hard Money Fix & Flip, Fix & Rent / BRRRR, and DSCR Rental Loans (short & long term)—plus FHA, VA, USDA, and Conventional mortgages for primary and secondary homes. We’re built for investors: fast decisions, flexible loan programs, and decades of experience helping clients grow their portfolios. Whether you’re buying, refinancing, or pulling cash out,... view more -
NMLS # 2167568
Hard/Private/Non-QM
Easy Street Capital, LLC is the ideal lender for fix & flip investment properties, ground-up construction projects, and rentals. Defined by an experienced team and innovative loan programs, Easy Street Capital, LLC is the ideal financing partner for real estate investors of all experience levels and specialties. view more -
Hard/Private/Non-QM
Welcome to IMS Funding, we are a direct lender and broker based out of Austin Tx. We specialize in DSCR loans for traditional and vacation rentals. With years of experience, we will find you the best options for your strategy. As experts in non-QM lending, we specialize in connecting you with tailored financial solutions that align seamlessly with your investment goals. Whether you’re a seasoned investor expanding your portfolio or a first-time investor taking the plunge into real estate,... view more -
NMLS # 1740672
Lendevity, Inc.
Conventional & Gov.
Hard/Private/Non-QM
Conventional & Gov.
Hard/Private/Non-QM
Free refinances to our existing clients for life! If rates drop, we cover all 3rd-party fees to refinance and lower your rate. Lendevity is a wholesale mortgage broker partnered with over 60 highly rated lenders in the nation. We offer more options compared to the cookie-cutter solutions provided by traditional banks. Our access to a wide range of lenders and loan products allows us to tailor solutions to fit the unique needs of each client. This flexibility ensures that we can find the m... view more -
Hard/Private/Non-QM
We are a investor-focused mortgage company focused on providing expert lending solutions for your next property. Whether you are looking at your first deal or leveraging your portfolio to grow, we are here to be a guide in the world of lending. view more -
NMLS # 1403
Conventional & Gov.
Hard/Private/Non-QM
At First Access Lending we believe that homeownership is the foundation to building wealth in America. Our mission is to extend access to that wealth beyond the already wealthy. We've partnered with investors to offer specialized second lien products and HELOCs allowing you to access the equity you've earned. We provide access for first-time homebuyers through education and down payment assistance programs. Access for the self-employed and creatively employed. And access to your next home or ... view more -
NMLS # 2220351
Conventional & Gov.
White glove service, competitive rates, and efficient communication! Nick at the Envy Group has been investing in real estate for the last 7 years and specializes in working with investors who want more than a transactional experience. While working with the David Greene team, Nick quickly built a niche in the investor space as he also invests himself, and aims to be more than a paper pusher. If you are looking to build a one stop relationship as your scale your investing portfolio, The E... view more -
NMLS # 2449622
Asset Based Lending
Hard/Private/Non-QM
Hard/Private/Non-QM
With nearly 100 reviews and an impressive 4.2 Google rating, Asset Based Lending (ABL) has been a premier lender for real estate investors since 2010. We have successfully financed over $2.5 billion in projects, specializing in fix and flip, new construction, and DSCR loans for both long and short-term rentals. At ABL, we pride ourselves on our unique offering: the 0 Point Loan. As a direct balance sheet lender, we handle every aspect of the loan process in-house—from underwriting to proce... view more -
NMLS # 1675638
Strong Home Mortgage, LLC
Conventional & Gov.
Hard/Private/Non-QM
Conventional & Gov.
Hard/Private/Non-QM
Rated 4.6 out of 5 stars on Google with over 350+ reviews! Strong Home Mortgage is a proud veteran owned direct mortgage lender. With a commitment to excellence and a deep understanding of the complexities of mortgage financing, we specialize in a broad spectrum of loan products. Our expertise extends to investment property loans and intricate financial scenarios, ensuring that our clients receive tailored solutions to meet their unique needs. Our excellent customer satisfaction ratings are ... view more
Florida Mortgage Rates Today
How to Find a Lender in Florida
To choose a lender that aligns with your investing goals, start by asking the right questions about their experience with real estate investors and their flexibility in loan terms. When speaking with a potential lender, ask about their familiarity with investment-specific loan products, such as portfolio loans, bridge loans, or cash-out refinancing options, and how often they work with investors in your target market. Understanding the lender's typical loan-to-value (LTV) ratios and whether they offer specialized financing—like quick approvals for competitive markets—can reveal how well their services support quick, strategic property purchases.
In addition to loan features, inquire about fees, interest rates, and their approach to managing multiple property loans. For example, ask if they provide discounts on financing for investors with multiple properties or if they offer customizable loan packages based on your long-term goals. A lender who is open to building a relationship and adjusting terms to your needs is often a better fit for a growing investment portfolio. Finally, get recommendations from local real estate investment groups, which can provide insights into which lenders in your area have a strong track record with investors. And remember there is no one size fits all lender, you will want to find the right one for your investing needs.
Testimonials
"Found a lender who was able to offer exactly what I was looking for."
"Beat our local broker by one percent! Thank you BP."
"Easy to use and found a great Lender! Still going through the process but should close this week!"