Best Florida Mortgage Lenders
Browse 69 top-rated mortgage lenders in Florida as of October 30, 2026. See lender reviews, ratings, and investment specialties.
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NMLS # 1220957
Hard/Private/Non-QM
We specialize in Non-QM loans and complex financing that most lenders can’t approve. Our speed, flexibility, and multi-state reach set us apart. Investors choose us because we win difficult deals, maintain high conversion rates, and operate with efficiency similar to direct lenders. view more -
NMLS # 1820
The Hogue Team at CMG Home Loans
Conventional & Gov.
Hard/Private/Non-QM
Conventional & Gov.
Hard/Private/Non-QM
Investor Execution Partner | DSCR & Creative Leverage Specialist We help investors turn theory into real, profitable deals. Most investors don’t fail because of rates. They fail because the deal wasn’t structured correctly. We partner with real estate investors—especially first-time and time-constrained investors—to analyze, structure, and execute investment loans the right way, not just approve them. If you want a lender who will pressure-test your deal, protect your downside, a... view more -
NMLS # 2760712
Progress Capital Lending
Hard/Private/Non-QM
Hard/Private/Non-QM
Direct Private Lender Bridge & Fix-and-Flip Financing Institutional underwriting. 48–72 hour decisions. Reliable closings for serious investors in FL & NC. We provide fast, reliable private capital for investors who need to move quickly and win deals. Primary programs we fund: • Fix & Flip (purchase + rehab) • Bridge & cash-out refinance • Value-add projects • Select ground-up construction • Distressed / opportunistic acquisitions Key parameters: • Loan size: $150K – $10M+... view more -
NMLS # 1566096
Conventional & Gov.
Hard/Private/Non-QM
I don’t just offer loans, I structure financing that helps you scale faster, protect your cash flow, and win more deals in competitive markets. With access to dozens of lenders and investor-focused products, I make sure you’re never leaving money or opportunity on the table. view more -
NMLS # 3029
Chris Lewis Team - CrossCountry Mortgage, LLC
Conventional & Gov.
Hard/Private/Non-QM
28 Reviews5.0 starsConventional & Gov.
Hard/Private/Non-QM
Chris Lewis | Mortgage Advisor | Investor-Focused Lending | CrossCountry Mortgage I help real estate investors and buyers structure smart financing so they can buy more, scale faster, and keep more cash working for them. Based in Bethlehem, PA, I’m a top-producing mortgage advisor with CrossCountry Mortgage, working with investors, first-time buyers, and high-level clients who want more than just a rate quote… they want a strategy. My approach is simple: 👉 Don’t just approve the d... view more -
NMLS # 3029
CrossCountry Mortgage
Conventional & Gov.
Hard/Private/Non-QM
Conventional & Gov.
Hard/Private/Non-QM
I help real estate investors finance opportunities that do not always fit the usual box. I specialize in DSCR loans, creative investor financing solutions, and lending for both short-term and long-term rental properties. Whether you are building a portfolio, buying your first investment property, or looking for a smarter way to qualify, I can help you explore options that align with your strategy and cash flow goals. I work with investors who want flexible solutions, clear guidance, and fina... view more -
NMLS # 2826586
Uncapco Financial
Hard/Private/Non-QM
Hard/Private/Non-QM
Uncapco is a nationwide direct lender offering short- and long-term financing for investment properties, with programs that are friendly to first-time investors. DSCR Rental 🏢 - Up to 80% LTV | Rates Starting 6.125% (as of 10.17.26) Fix & Flip 🏚️➡️🏠 – Up to 95% LTC | 75% of ARV | Rates Starting 8.99% (as of 10.17.26) New Construction 🏗 - Up to 90% LTC | 75% of ARV | Rates Starting 10.25% (as of 10.17.26) We blend the flexibility of a broker with the discipline and capital backing... view more -
Hard/Private/Non-QM
Harpoon Capital is currently a mortgage brokerage focusing on business-purpose loans only, with an emphasis on "DSCR Loans" -- the emerging top financing tool for residential real estate investors, from single family rentals, to small multifamily properties to short term rentals (i.e. airbnbs). Whether you are a real estate investing whale with 50+ properties or a relative minnow just starting out, our information is here to help you navigate the voyage to financial freedom through real estat... view more -
Hard/Private/Non-QM
FAST MONEY FOR FLIPS INT. LLC helps real estate investors, builders, and business owners secure fast funding for fix-and-flip loans, bridge loans, DSCR rental loans, construction loans, commercial loans, SBA financing, and cash-out refinances. We work with borrowers nationwide and focus on creative lending solutions, fast approvals, and getting deals closed. view more -
Hard/Private/Non-QM
Futures Funding Inc. helps real estate investors fund fix-and-flips, rentals, and new construction with hard money and DSCR loans built for speed. We're a brokerage, not a single lender, which means one application gets your deal in front of multiple capital sources competing for your business. Whether you're flipping your first property or scaling a portfolio, we structure financing around the deal: purchase + rehab, cash-out refis, bridge-to-DSCR, and ground-up. Straight answers (if the ... 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!"