Hard Money
Construction Hard Money in Jacksonville, FL
Secure your Construction Hard Money in Jacksonville with a lender who understands the local landscape. We serve all of Duval County, including Riverside and Avondale, offering fast approvals and personalized service.
Key Facts About Construction Hard Money
CMRE hard money loans fund in as fast as 7 business days.
Hard money loans from CMRE require 20-35% down payment.
CMRE hard money programs accept properties that conventional lenders decline.
Hard money rates at CMRE range from 9.99% to 13.99% depending on LTV and experience.
CMRE hard money loans cover fix-and-flip, bridge, and ground-up construction.
CMRE Construction Hard Money funds in as few as 7 business days.
CMRE Construction Hard Money is asset-based — property value drives qualification.
CMRE Construction Hard Money LTV ranges from 65% to 90% ARV.
Program Benefits
Fast Funding: Get the capital you need quickly, often within days, to keep your construction project on schedule.
Flexible Terms: Tailored loan structures to meet the specific needs of your construction project.
Higher Loan-to-Value: Borrow up to 70% of the property's value, maximizing your investment potential.
Less Stringent Requirements: Qualification is based more on the project's potential than on traditional credit metrics.
Use for Various Projects: Ideal for ground-up construction, renovations, rehabs, and fix-and-flips.
Competitive Rates: Starting at 9.875%, our rates are competitive within the hard money lending market.
Program Highlights
Max LTV
70%
Min Credit Score
600
Max DTI
N/A
Loan Amount Range
$50,000 - $5,000,000+
Amortization Options
Eligible Properties
- Single Family Homes
- Multi-Family Homes
- Condominiums
- Commercial Properties
- Land
Program Requirements
Income Documentation
- •Demonstrate sufficient income or cash flow to cover loan payments.
- •Provide documentation of current income sources.
- •Business income will be considered as applicable.
Asset Verification
- •Proof of funds for down payment and closing costs.
- •Verification of other assets that may be used as collateral.
- •Liquidity to manage project contingencies.
Insurance & Title
- •Hazard insurance to cover property damage.
- •Liability insurance to protect against potential lawsuits.
- •Builder's risk insurance during the construction phase.
Property Requirements
- •Minimum FICO score of 600 required.
- •Review of credit history to assess overall financial stability.
- •Past bankruptcies or foreclosures will be considered.
Construction Hard Money in Jacksonville: The Complete Guide
What Is Construction Hard Money?
Construction hard money loans are short-term financing options specifically designed for real estate construction and renovation projects. Unlike traditional loans, they are typically secured by the value of the property and future potential, rather than the borrower's creditworthiness. This makes them a valuable tool for developers and investors who need quick access to capital.
Who Uses Construction Hard Money?
- •Fix-and-flip investors needing fast acquisition and rehab capital.
- •Bridge borrowers financing between a sale and a purchase.
- •Auction buyers needing proof of funds and rapid closing.
- •Property owners facing foreclosure who need emergency refinancing.
- •Investors purchasing non-conforming properties traditional lenders won't finance.
Construction Hard Money Terms and Structure
- •LTV: 65%-80% as-is value or 70%-90% ARV for fix-and-flip.
- •Terms: 6 months to 3 years — designed as short-term bridge.
- •Interest rates: 9%-14% depending on LTV, condition, borrower experience.
- •Interest-only payments standard. Exit strategy required.
- •CMRE funds in as few as 7 business days.
Get Construction Hard Money from CMRE
- •Step 1: Submit property details — address, price, value estimate, scope of work.
- •Step 2: CMRE issues term sheet within 24-48 hours.
- •Step 3: Appraisal or BPO — fast-track available.
- •Step 4: Underwriting on property value and exit strategy.
- •Step 5: Funding in as few as 7 business days.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Construction Hard Money in Jacksonville, FL
Jacksonville mortgage loans. VA specialists for NAS Jacksonville and Mayport families. Custom Mortgage & Real Estate specializes in providing high-fidelity Construction Hard Money solutions tailored to the unique economic landscape of Jacksonville and the surrounding Duval County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireJacksonville metropolitan area.
Service Areas & Neighborhoods
Our Jacksonville Presence
Local Knowledge. Global Rates.
200 S Biscayne Blvd
Miami, FL 33131
Direct Line
877-976-5669Common Questions About Construction Hard Money in Jacksonville
What are current Construction Hard Money rates in Jacksonville, FL?
Construction Hard Money rates in Jacksonville depend on loan amount, credit profile, and property type. CMRE publishes updated Jacksonville rate ranges daily and provides locked quotes within 24 hours of application.
How long does Construction Hard Money closing take in Jacksonville?
CMRE typically closes Construction Hard Money loans in Jacksonville within 21-30 days from application. Pre-approval takes 24 hours, and our FL-licensed team coordinates title, escrow, and appraisal concurrently to save time.
How fast can CMRE fund Construction Hard Money in Jacksonville?
CMRE funds hard money and bridge loans in Jacksonville in as fast as 7 business days. Experienced investors in Duval County with strong equity positions may qualify for expedited underwriting.
What LTV does Construction Hard Money allow in Jacksonville?
Construction Hard Money from CMRE in Jacksonville typically requires 65-80% LTV depending on property type and borrower experience. Fix-and-flip investors in Duval County may access higher leverage with track record documentation.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
Interest rates on construction hard money loans are typically higher than traditional loans due to the increased risk and shorter loan terms. Rates with CMRE start at 9.875% but can vary depending on the project's specifics, borrower qualifications, and market conditions.
One of the main benefits of hard money loans is the speed of funding. At CMRE, we can often provide funding within a matter of days, allowing you to move quickly on your construction project.
Construction hard money loans are typically short-term, ranging from 6 to 24 months. This allows borrowers to complete their projects and then refinance into a more traditional long-term loan or sell the property.
Hard money loans can be used for a wide variety of construction projects, including ground-up construction, renovations, fix-and-flips, and commercial development. The key is that the project has a clear plan and the potential to generate a return on investment.
As few as 7 business days from application. Same-day term sheets available.
65%-80% of current value. Fix-and-flip: up to 90% ARV.
Primarily asset-based — property value matters most. Credit is a factor but not the primary driver.
Typically 9%-14% depending on LTV, condition, and experience. 1-3 origination points.
Construction Hard Money by Location
Get local rates, loan limits, and market data for Construction Hard Money in your area.
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Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
