Luxury Florida property
Florida's #1 Hard Money Lender · NMLS 393969

Hard Money
Mortgages
in Florida

Fast, flexible financing for real estate investors. Hard money loans, fix-and-flip, and cash-out on free & clear properties — backed by 23 years of Florida expertise.

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Years in Business

Serving Florida investors since 2001

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Loans Funded

Across Florida real estate markets

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Investors Helped

From first-timers to portfolio pros

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Avg. Close Time

From application to funding

Our Loan Programs

Financing Solutions
Built for Investors

Hover each card to explore program details. We specialize in solutions where traditional lenders say no.

Asset-Based Lending

Hard Money Loans

Fast asset-based loans secured by real estate. No income verification required — your property is the collateral.

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Hard Money Loans

  • No income verification
  • Quick approval process
  • Flexible terms
  • Loans from $50K–$5M+
Get Started →
Investor Favorite

Fix & Flip Financing

Purpose-built financing for real estate investors who buy, renovate, and sell properties for profit.

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Fix & Flip Financing

  • Up to 90% of purchase price
  • Rehab funds included
  • Fast closings available
  • Short-term flexibility
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Unlock Equity

Cash-Out Refinance

Specialize in cash-out refinances on free & clear properties — no existing mortgage, no problem.

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Cash-Out Refinance

  • Free & clear properties
  • No income required
  • Competitive LTV ratios
  • Fast turnaround
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Better Terms

Refinances

Refinance existing investment properties to lower your rate, extend terms, or pull out equity.

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Refinances

  • Rate & term refinances
  • Cash-out options
  • Portfolio refinancing
  • Investment properties
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Investor Purchases

Home Purchases

Secure investment properties quickly. When conventional financing fails, we deliver.

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Home Purchases

  • Investor purchases
  • Non-warrantable condos
  • Distressed properties
  • Competitive pricing
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Income-Based

DSCR Loans

Debt Service Coverage Ratio loans qualify based on property income — ideal for rental investors.

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DSCR Loans

  • Based on rental income
  • No personal income docs
  • Long-term investor option
  • Portfolio growth
Get Started →

Not sure which program fits? Talk directly to Neil.

Call 561-968-1220
NS

Neil Sherry

Senior Mortgage Consultant

NMLS # 328117

Contact Information

Cell / Text

561-596-5605

Office

561-968-1220

Email

neil@flmtgcon.com

Location

Greenacres, FL 33467

Florida Mortgage Consultants LLCNMLS 393969
About Us

Florida's Most Trusted
Hard Money Lender

With over 23 years of experience, Florida Mortgage Consultants LLC has helped hundreds of real estate investors secure the financing they need — fast and without the red tape of traditional banks.

We specialize in cash-out refinances on free & clear properties, hard money loans for investors, fix-and-flip projects, and DSCR rental financing. When conventional lenders say no, we find a way to say yes.

Licensed & Trusted

NMLS 393969 · Neil Sherry NMLS 328117. Fully licensed mortgage professionals serving Florida investors.

No Income Verification

Specialize in no-income, no-doc scenarios. Your property value and equity are what matter.

Investor-First Approach

We understand real estate investment. Tailored solutions for fix-and-flip, BRRRR, and long-term holds.

Why Choose Us

The Investor's Choice
for Hard Money

Lightning-Fast Approvals

Decisions in 24–48 hours. Funding as fast as 7 days. We move at the speed of real estate.

No Income Verification

No W-2s, no tax returns. We qualify based on your property's value and equity.

Personalized Service

Talk directly to Neil. No call centers, no runarounds — dedicated expert guidance every step.

Available When You Need Us

Responsive communication via call, text, or email. We work around your investment timeline.

Flexible Qualifying

Credit challenges? Recently self-employed? We evaluate the full picture, not just credit scores.

Dedicated Investor Support

Tailored guidance for every loan type — from first-time flippers to seasoned portfolio builders.

Us vs. Traditional Lenders

CategoryFlorida Mortgage ConsultantsTraditional Banks
Approval Speed24–48 hours30–60 days
Income VerificationNot requiredRequired
Property ConditionAll conditionsMove-in ready only
Free & Clear RefiSpecialty serviceRarely offered
Investor Experience23+ yearsVaries
Fix & Flip FundingSpecializedLimited
How It Works

From Application
to Funded in Days

1
Same Day

Initial Consultation

Call or text Neil directly at 561-596-5605. Discuss your property, investment goals, and loan requirements.

2
24 Hours

Quick Application

Submit a simple application — no lengthy paperwork. Just the essentials: property details and your investment plan.

3
48–72 Hours

Property Evaluation

We evaluate your property's value and equity position. This is the foundation of our lending decision.

4
2–3 Days

Loan Approval

Receive your approval with clear terms, rate, and funding timeline. No surprise fees or conditions.

5
7–14 Days

Funds in Hand

Close at a title company and receive your funds. Typical timeline is 7–14 days from application.

Ready to start? Step 1 takes less than 5 minutes.

Available Now · Contact Us

Ready to Get Funded?
Let's Talk Today

Fill out the form or call/text Neil directly. Fast, friendly, no-obligation conversations.

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