Hard Money Loans in St. Johns County Florida
At GOT LOI, we provide fast and flexible Hard Money Loans in St. Johns County Florida. Whether you’re an experienced investor, contractor, or first-time flipper, our private lending solutions are tailored to your goals. From St. Augustine to Ponte Vedra Beach, our localized knowledge and hands-on support help you fund deals quickly, rehab confidently, and exit profitably.
Hard Money Loan Program
Our hard money loans are short-term, asset-based loans for real estate investors acquiring and rehabbing properties. These loans focus on the property’s potential value rather than your credit score or income history, enabling faster closings with fewer requirements.
Why Choose Private Loans Over Banks?
Unlike traditional banks, our hard money loans require no income verification or tax returns. We lend based on the asset’s value, not your credit score. You get flexible draw schedules, rehab funding, and the ability to act quickly on distressed or auction properties.
Local Lending Experience in Florida
Serving real estate investors across Florida, GOT LOI is trusted in communities from Miami to Jacksonville. With 1,000+ funded projects and deep understanding of Florida construction codes, coastal renovation risks, and investor-heavy zip codes, we’re your in-state partner for success.
How to Qualify
We make qualifying simple and straightforward:
– Submit your deal scenario and renovation budget
– Share your scope of work and exit strategy
– We review local permitting, comps, and your experience
– Get pre-approved within 24 hours
Property Types Eligible
– Single-family homes
– Duplexes, triplexes, and fourplexes
– Condos and townhomes
– Small multifamily buildings (under 20 units)
Fast Funding Timelines
We close in as little as 5–10 business days. Our underwriting focuses on your deal—not your tax returns or pay stubs. St. Johns County investors benefit from local title relationships, same-day draw approvals, and in-county inspection coordination.
Common Scope of Work & Local Factors
Most projects involve interior upgrades, roof replacements, hurricane-proofing, and permit coordination. In St. Johns County, timeline delays can arise from coastal zone permits and historic preservation reviews—our team helps you navigate it all.
Get Started Today
Get fast approval on your loan by applying now and speaking with a local Florida lending expert who’ll guide you through the process. Simply submit your deal scenario for same-day feedback and take the first step towards achieving your financial goals