Direct Private Lender for Investment Properties

EquityMax has been specializing in non-qualifying, hard money real estate financing for over 30 years. All of our loan are financed with our own personal funds, so we can commit and close fast for a property acquisition, refinance or equity cash out in 1st lien position only.

  • In-House Funding, Can Close in 48 Hours
  • No Minimum FICO Score Requirement
  • No Application Fee / No Surveys / No Appraisals
  • No Tax Returns or Bank Statements
  • No Balloon Payment
  • No Prepayment Penalty
  • No Windstorm or Flood Coverage Requirement – Only Fire & Vandalism Insurance
  • Licensed and Verified Florida Lender (NMLS 1523517)

Please note: we do NOT offer loans for land, ground-up construction or owner-occupied homes. We lend on rehab projects, but we do not provide any rehab funds.

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

Purchase Loan

Our max LTV is 70%, but we will provide up to 80-90% of the purchase price for properties that are purchased under market value.

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Family

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

Additional Details

We do not charge any upfront fees prior to closing, other than a $200 BPO/Inspection Fee after the borrower has agreed to the loan terms.

EquityMax Financial, LLC is a Licensed Mortgage Lender and Real Estate Brokerage in Florida. We offer financing throughout the country, and for the past 28 years, have specialized in hard-money loans for real estate investors.  Loans from $15,000 – $1mm.  High LTVs and Low Rates are our specialty!  Our many competitive advantage: we only lend OUR OWN MONEY. No capital from investors, no bank facilities…we use strictly our own funds to finance your investment properties. Close within 2 days of clear title.

EquityMax lends real estate investors approximately 75% – 90% of their purchase price, and sometimes even more! Our mortgages are generally non-qualifying. That is, we don’t investigate your income, nor do we care if the property is in disrepair. One way or another, we’ll make a mortgage loan to you. Borrowers with good credit scores receive the highest LTV’s. At EquityMax, there is no “pre-set” credit limit per client or transaction. Each deal and borrower is evaluated individually. To date, our lowest hard money loan amount has been $4,000, and our highest has been $2,000,000. Our rates, points and fees are market-driven, and competitive with other hard equity lenders serving the same market. Within 3 days of your verbal loan request we will furnish you a Good Faith Estimate of all costs, fees, and the agreed-upon interest rate for your mortgage. EquityMax will lend on ANY property, statewide, no matter where you bought it. If the deal makes sense, we’ll do it! EquityMax can close loans within 48 hours if need be. We have two full time law firms/title companies representing us. They can either close the transaction themselves, or email the mortgage package to the closing agent of your choice.

EquityMax is a licensed Mortgage Lender and Servicer in Florida. While many companies that offer hard money loans tout themselves as “lenders,” ask them.… Are you licensed? The majority of these companies are not licensed. With local, state, and federal governments cracking down on unlicensed activity, it’s important to align yourself with a reputable licensed lender who conducts business in accordance with statutory guidelines and not a company that could be subjected to discipline for originating loans without a license.

As they say…Less is More…and EquityMax always aims to enhance our borrowers’ ability to purchase or refinance real estate investment property.  That’s why we truly do our best to minimize qualifying requirements and maximize opportunities.  We do not require a minimum Credit/FICO score, nor do we ask to see any other docs to qualify…NO TAX RETURNS, NO BANK STATEMENTS, NO EMPLOYMENT VERIFICATION.  Simply put, we make qualifying for an EquityMax loan simple, fast and easy.

It is very important to know where the money for your hard money loan is coming from.  Is the lender self-financed, or are they capitalized from outside investors?  A lender whose funds come from outside investors tend to have stricter underwriting guidelines to meet the requirements of their financiers.  That, and they tend to pass their carrying costs on to their borrowers, leading to higher interest rates and more points at closing.  Here at EquityMax, all our financing is in-house.  We do not rely on banks, outside equity investors, or other ancillary credit facilities to finance our loans.  With that comes quick response times, lower costs, and above all, peace of mind knowing that when you receive a pre-qualification from EquityMax, you know exactly where the money is coming from, and that it will always be there on closing day.

No loan amount is too low for us.  In fact, EquityMax hard money loans start as low as $15,000, and we can extend credit facilities in excess of $1,000,000.  After all, who are we to argue against a profitable deal or portfolio?  All our fees are quoted individually and fairly, and are only dependent on the loan amount – there is never a minimum requirement with an EquityMax hard money loan.

We realize that every investor’s agenda is different.  For most of our clients, it’s a Fix-and-Flip, or is it a Buy-and-Hold.  Either way, EquityMax’s hard money loan framework is suited for you, the investor.  Our hard money loan term is a full 17 years with ZERO PREPAYMENT PENALTY if borrowers make their payments on time.  Why deal with a 1 or 2-year balloon if you don’t have to.  For investors who prefer to rent their properties for immediate cash flow, our long-term loan affords you the comfort knowing that there isn’t a short-term balloon hanging over you, so you can effectively and successfully manage your investments.

Many other lenders steadfastly require the purchase of Windstorm and/or Flood coverage for your investment property… Not EquityMax.  It has been our long-standing opinion that these coverages are profit-killers that only help the borrower in the relatively unlikely scenario of a catastrophic natural disaster.  That is why we only ask our borrowers to maintain minimum insurance coverage for loss due to Fire and Theft.  These cost savings ultimately increase your bottom line and aid in the overall financial health of your real estate operation.

Transactional Funding options are a dime a dozen, however there’s one competitive advantage that separates EquityMax from the rest.  Sure, we offer fast, reliable, and competitive fees for your “A to B” flip just like other companies will.  However, we can also fund the end-user who the wholesaler is flipping to, AKA the “B to C” transaction.  Most other transactional funders do not have the capital to fund a long-term loan that your end user will desire.  EquityMax does. Double closings are inherently meticulous, hence keeping all of the financing in the hands of a single party ensures both transactions will be a seamless and carefree process.  The end result: everyone leaves the closing table happy.


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

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


Add links to photos here.


Add links to photos here.

Photo Link

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