Program highlights
- Close in 7–14 days on most files
- Loan sizes from $100K to $5M+
- Up to 65–70% loan-to-value on residential, 60–65% on commercial
- Interest-only structures, 12–24 month terms
- Credit and income secondary — asset value is primary
- Available on primary, investment, and commercial property in Florida
Who it's best for
- Flippers and value-add investors in Broward, Miami-Dade, and Palm Beach
- Buyers needing to close before a traditional loan can be underwritten
- Owners bridging into a permanent refinance or sale
- Borrowers with credit events who plan to refinance out inside 12–24 months
What Florida buyers should know
Hard equity money in Florida is competitive — Joann places files with a curated set of private lenders who actually fund, not the fee-collecting brokers who don't. Every scenario gets a written exit plan before closing.
Frequently asked questions
How fast can a hard equity loan close in Florida?+
Most files close in 7–14 days once title is clean and appraisal or BPO is in. Rush closings inside a week are possible on strong files.
What are the rates on hard equity loans?+
Typically 9–12% depending on LTV, property type, and borrower profile. Points range 1.5–3. The right benchmark is total cost over the hold period, not headline rate.
Do I need income documentation?+
Usually minimal. Hard equity underwrites against the collateral. Joann always confirms a viable exit — refinance or sale — before recommending one.
Explore more Florida loan programs
Ready to talk hard equity loans & bridge loans?
Joann answers her own phone. Get a real quote — no credit pull without your consent, no pressure, no sales script.