Miami Owner-Occupied Home Lenders

Are you seeking a loan secured by an owner-occupied home in the Miami metro area? Unfortunately, private money or hard money lenders do not consider owner-occupied homes. Private lending is only for investment properties and only for business purposes. A loan secured by the borrower's primary or secondary residence is considered a consumer-purpose mortgage which is highly regulated by state and federal law. This applies to all residential properties with up to 4 units, including homes with an accessory dwelling unit (ADU) or separate rental unit. A Non-QM (non-qualified) mortgage may be an alternative option. Non-QM lenders consider lower credit scores, self-employed borrowers and other unique situations. However, they still require the borrower to document their ability to repay and afford the monthly payments with sufficient income. If you don't see any companies listed below, try searching online for non-QM lenders in your state.


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Griffin Funding

Alternative Loan Solutions for Homeowners and Rental Investors

$100,000 - $3,000,000
1 to 360 months
Nationwide Mortgage - Non-QM Home Loans

Challenges with your home mortgage? You've come to the right place.

$200,000 - $2,000,000
Hard Money Loan Solutions, Inc.

Direct Private Hard Money Lender For All Types of Real Estate

$100,000 - $50,000,000
6 to 48 months
9.99% - 12.00%
1.00% - 3.00%
V.I.P. Mortgage, Inc.

Residential Property Financing for Self-Employed Borrowers

$50,000 - $20,000,000

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