Property Geographic Area Details

We lend throughout the entire United States, with the exception of the following states: AZ, CA, NV, ND, OR, SD, NY, UT, VT.

Loan Amounts

$25,000 to $1,000,000

Interest Rates

10% to 15%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1% to 3%

Loan Terms

1 months to 204 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Business Working Capital
  • Value Add Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Commercial Condominium
  • Condominium
  • Industrial
  • Mixed-Use
  • Multifamily
  • Office
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Retail
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge

Specialty Loan Types

  • Discounted Note Payoff
  • Bankruptcy Resolution
  • Foreclosure Bailout
  • Transactional Funding

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only

Payment Structure Details

Interest-Only; Monthly Payments

Pre Payment Penalty


Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
  • Self-Directed IRA

Documentation Required

  • Credit Report

Personal Guaranty (Recourse) Required


Credit Check Required


Minimum Credit Score Required


Credit Check Description

We do not have a minimum credit score requirement.

Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Legal Fee

Attorney Fee of $575-995, depending on the state where the subject property is located.

Inspection Fee

BPO Fee Charge of $200.

Fees which are paid to a third party company

  • Inspection Fee
  • Title Fee


NMLS 1523517

Company Size (Number of Employees)


Year Established



  • Florida Association of Mortgage Professionals (FAMP) - Member
  • Broward Real Estate Investor Association - Corporate Member
  • Dade Real Estate Investor Association - Corporate Member
  • Central Florida Realty Investors - Corporate Member
  • JaxREIA - Corporate Member
  • Palm Beach Real Estate Investors Association - Corporate Member
  • TampaREIA - Corporate Member
  • Tampa Bay REIA - Corporate Member
  • Tropical REIA - Corporate Member

Office Locations

EquityMax Main Branch
6216 N. Federal Highway, Fort Lauderdale, Florida 33308

Primary Capital Source

  • Own Funds

Alternative Capital Sources

  • Own Funds

Loan Structure for Majority of Loans

  • Own Balance Sheet

Alternative Loan Structures

  • Own Balance Sheet

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Residential Mortgage Brokerage
  • Residential Real Estate Investing

Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Buy and Hold


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2017 Number of Loans Funded


2017 Loan Volume Funded


Gregory Emmer

Principal Loan Originator

While Gregory joined EquityMax full time since 2008, he has been actively involved with the business since 2002, when he first obtained his Real Estate Sales Associate license. Subsequently, he has obtained his Real Estate Broker and Mortgage Loan Originator licenses in Florida. Since he started at EquityMax, Gregory has been a key contributor in generating new client relationships as well as nurturing existing client business. Most recently, he has been responsible for a company-wide technological overhaul, including implementing new mortgage software that services a growing portfolio of mortgage notes and automating a number of administrative procedures. He has had an integral role in expanding the company’s day-to-day operations to cover the entire state of Florida, facilitating new loan opportunities in major metropolitan areas such as Orlando, Tampa, and Jacksonville. Gregory holds a bachelor’s degree from the Leonard N. Stern School of Business at New York University.

License Information
NMLS - 364099