Bridge loans in Florida
Last updated
Hard money bridge loans in Florida are short-term, interest-only loans for investors on 1–4 unit investment property, typically 12 months. Lenders size them by the property’s value (LTV) and price them by your experience and credit. Compare Florida lenders’ terms for your deal below.
Compare Florida bridge lenders
Enter your deal once and compare every lender whose rules fit it, side by side: loan amount, rate, points, fees and total cost.
- Free for borrowers
- No credit pull
- Takes about 2 minutes
Hard money lenders in Florida
We publish live lender counts, rate ranges and leverage for Florida once at least three lenders in our network with current pricing serve the state. Until then, the comparison above shows every lender that fits your specific deal.
Florida rules investors should know
- Foreclosure process: judicial (the lender files a lawsuit and a court orders the sale). Judicial foreclosure usually takes longer, which some lenders reflect in leverage or pricing.
- Security instrument: loans are usually secured by a mortgage, recorded with the county where the property sits.
- Licensing: rules for business-purpose lending vary; lenders on our network confirm they hold every license their loans require. State agencies are listed by the Conference of State Bank Supervisors.
- Statutes: Florida Code (via Justia).
How bridge loans are sized
Bridge lenders lend a percentage of the purchase price or as-is value (LTV), typically lower for refinances and lowest for cash-out refinances.
What to compare
A rate-and-term refinance pays off an existing loan. If the new loan exceeds the payoff, it’s a cash-out refinance, which many lenders price separately and at lower leverage.
Florida markets
Largest cities by population (U.S. Census Bureau, 2024 estimates): Jacksonville, Miami, Tampa, Orlando, St. Petersburg, Port St. Lucie, Hialeah, Cape Coral.
More in Florida
Frequently asked questions
How do I find bridge lenders in Florida?
Enter your deal on Hard Money Lender Match and we show every lender in our network that lends bridge loans in Florida and whose rules fit your numbers, with loan amount and total cost side by side. It’s free and there’s no credit pull.
Is Florida a judicial or non-judicial foreclosure state?
Florida foreclosures are judicial (the lender files a lawsuit and a court orders the sale). The usual security instrument is a mortgage. Lenders factor the foreclosure process into their pricing and leverage. See the Florida statutes.
Do lenders need a license to make bridge loans in Florida?
Licensing for business-purpose loans on 1–4 unit property varies by state and by how a lender is structured. Check with the Florida financial regulator; the Conference of State Bank Supervisors lists every state agency. Lenders on our network confirm in their agreement that they hold every license their loans require.
Can I get a bridge loan in Florida with no experience?
Often yes, at lower leverage or a higher rate. Lenders set experience tiers in their pricing; our comparison shows only lenders whose tiers include you. See getting a hard money loan with no experience.
How much cash do I need?
Plan for the gap between your total cost and the loan, about 2 points, lender and title fees, and a few months of interest. Try the cash to close calculator.