Hard Money Loans in St. Lucie County Florida
GOT LOI provides fast and flexible Hard Money Loans in St. Lucie County Florida for real estate investors, flippers, contractors, and developers. Whether you’re purchasing a distressed property, funding a renovation, or bridging the gap to traditional financing, our asset-based lending programs are designed to close fast—without the red tape.
Hard Money Loan Program
Our hard money loans are short-term, interest-only loans secured by real estate. We finance acquisition, rehab, or refinance based on the property’s current or future value. No income verification, tax returns, or pay stubs required.
Why Choose Private Loans Over Banks
Banks are slow and require piles of documentation. GOT LOI focuses on your property’s potential and market value—not your W2s or credit score. We lend on distressed, auction, and off-market deals banks won’t touch.
Local Lending Experience in Florida
Serving real estate investors across Florida, GOT LOI has funded 1,000+ projects in cities from Miami to Jacksonville. In St. Lucie County, we specialize in deals across Port St. Lucie, Fort Pierce, and the Treasure Coast region. We know the permitting process, local contractor timelines, and regional investor zip codes.
How to Qualify
– Provide property address and purchase contract
– Submit scope of work and estimated ARV
– Outline exit strategy (sale, refinance, rental)
– Decision within 24–48 hours after file submission
Property Types Eligible
– Single-family homes
– Duplexes, triplexes, fourplexes
– Multifamily up to 20 units
– Condos, townhomes, and land with clear title
– Mixed-use and light commercial buildings
Fast Funding Timelines
We can close loans in as little as 5–10 business days. With Florida-based underwriters, appraisers, and title partners, we expedite everything from initial term sheet to funding.
Scope of Work & Local Considerations
Common repairs include roof replacement, HVAC, plumbing, kitchens, bathrooms, and code upgrades. In St. Lucie County, coastal renovation projects may require hurricane-rated windows, wind mitigation, and elevation compliance.
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