Hard Money Loan Application
Hard Money Frequently Asked Questions
Hard Money Letter of Credit

Florida Hard Money Loans for Real Estate Investors

The Norris Group provides millions in loans for professional real estate investors every month. We enjoy a proven track record of quality real estate investments and are committed to making the process easy and fast. We provide non-owner occupied hard money loans for primarily single-family properties (1-4 units) all over Central Florida. Are you a buy and hold investor or a flipper? We can help!

Florida Hard Money Terms

Florida Rehab Flipper Hard Money program

Rehabber/Flipper ARV

Term of Loan 1 Year

Interest Rate 11.5%

Prepayment Penalty NONE

**Loan to Value Up to 65% ARV MAX

**Points 2 Pts

Misc. Fees $1,095

Appraisal Fee $375-$400

**Notes Ability to roll in repairs to loan.

LLC Required

Non Owner Occupied

Apply Now
Florida Flip Hard Money Program

Rehabber/Flipper Purchase Price Program

Term of Loan 1 Year

Interest Rate 8.9%

Prepayment Penalty NONE

Loan to Value Up to 75% Purchase Price

**Points 2 Pts

Misc. Fees $1,095

Appraisal Fee $375-$400

LLC required

Non Owner Occupied

Apply Now
Rental hard money program

Rental Refinance Program

Term of Loan 5 Year

Interest Rate 8.9%

Prepayment Penalty 2 Year

**Loan to Value Up to 60% LTV MAX

**Points 2 Pts

Misc. Fees $1,095

Appraisal Fee $375-$400

Rental purchase program available. Call for details.

LLC Required

Non Owner Occupied

Apply Now
New construction hard money program

Build to Flip

Term of Loan 1 Year

Interest Rate 11.9%*

Prepayment Penalty NONE

**Loan to Value Up to 65% Future Value

**Points 2 Pts

Misc. Fees $1,095

Appraisal Fee $375-$400

Notes Building inspection managed by fund control. Roughly 1% of construction costs.

LLC Required

Apply Now

* 0.4% additional interest if investor is not opted in for direct deposit. **Points and LTV/ARV are subject to the required third-party appraisal which takes into consideration property condition, property location, and the investor experience. All loan programs subject to change.

Florida Hard Money Loan Program

Aaron Norris Florida Hard Money Lender

Our Florida private money lending and hard money programs are built for speed and ease. We can close in 10 business days!** We work with investors buying directly from sellers, REOs/foreclosures, real estate auctions, short sales, trustee sale refinances, private party, and even the occasional residential construction projects. Our program focuses on single-family residential property (1-4 unit) in the Central Florida area including Orange County, Hillsborough County, Lake County, Osceola County, Seminole County, Polk County and Sumpter County.

Trusted Lender

Since 1997, The Norris Group has funded millions in investor loans which have resulted in millions of dollars in profits for our clients. From start-up investors who are looking to get into the real estate marketplace to the seasoned investors who invest multiple times per year, we have both the funding capacity available and the professional resources to meet your needs.

Get Your Hard Money Loan or Letter of Credit Today

Whether you have a property you need funding for now or need a letter of credit to submit with your offers, start by filling out our secure online loan application.

Direct Deposit: All loans not enrolled in our Direct Deposit Program will have an additional interest rate of 0.4% for the short-term loan programs (Example: 11.9% compared to 11.5% on direct deposit). Direct deposit allows us to greatly automate servicing to focus more on origination. It also allows you to not worry about monthly mailings. It’s our way of going green and saving green for both sides of the equation. When you come in to sign new loan docs, simply bring in a voided check.

Note: We can close in 10 business days on our Fix and Flip Program. However, a quick closing is completely dependent on the real estate investor giving complete escrow instructions in a timely manner, completely signing and returning docs on time, and keeping us informed of all changes. In addition, when using entities, investors must have all correcting paperwork for the entity. For faster service, investors should fill out a loan application online and be pre-qualified with The Norris Group. It’s easy, fast, and saves time. Closing time for long-term and construction projects will take longer depending on volume of fix and flips which take priority. Call for expected time frames.

Aaron Norris, Loan officer
Tel: (951) 780-5856
Fax: (951) 780-9827

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