Owner-Occupied / Primary Residence Financing
Looking for financing for a home you live in? Talk with Loring Loan about your options.
Florida Hard Money LoansNeed Funding Fast? Put Your Property’s Equity to Work.
Owner-Occupied Financing Available
Looking for financing for a home you live in? Talk with Loring Loan about your options.
Recently funded$65,00059% LTV
When timing matters, speak directly with a Florida mortgage broker about private mortgage and refinance options based on your property and available equity.
- Florida-focused private mortgage brokers
- Speak directly with a broker — no call centers
- Equity-based review with a free initial consultation
Close in as little as 7–14 days!
Financing for the Home You Live In
Loring Loan offers owner-occupied financing options. Tell us about your property and financing needs so we can help you explore the next step.
Discuss Owner-Occupied Financing
(813) 416-6602- Loans From $10,000to Millions
- Primary Residences &Investment Properties
- Equity-BasedLoan Reviews
- Foreign NationalsWelcome
Ian LoringLicensed Mortgage BrokerNMLS ID 334971
When traditional lenders say no, we find a way forward.
(813) 416-6602
Tell us about your Florida property and what you need financed. We’ll review your scenario and discuss whether there may be a path forward.
What Do You Need Financing For?
Your financing needs may not fit a traditional mortgage. If you own Florida real estate with substantial equity—or have a meaningful down payment—let’s discuss your situation.
Need Money for Home Repairs or Improvements?
Don’t put off repairs your home needs. Put your property’s equity toward urgent fixes or overdue improvements.
Having Trouble Qualifying Through a Traditional Bank?
Credit challenges don’t have to end the conversation. Let’s review financing options based on your property and available equity.
Have a Paid-Off Property and Need Cash?
Your property is paid off, but your cash is tied up. Put that equity toward major expenses without having to sell.
Purchasing or Refinancing an Investment Property?
A good opportunity can’t always wait on a bank. Discuss financing for your next investment property purchase or refinance.
Need to Refinance an Existing Mortgage?
Loan coming due or facing a large final payment? Let’s review refinancing options before your deadline.
Buying a Home Before Yours Sells?
Don’t miss your next home while waiting to sell. Explore using your current property’s equity to help bridge the gap.
Florida loans based on home equity, not credit score.
- Your Florida property and the equity in it lead the conversation
- Credit challenges welcomed
- Every scenario is still reviewed and subject to lender approval
What Florida Borrowers Say
Real reviews from borrowers who came to us after other lenders turned them away.
Google ReviewFred Bell
My experience with Associates Home Loan was a professional and efficient process. It was greatly needed. Thanks, Ian.
Google ReviewJasmine Williams
I worked with Ian and he was the BEST! We have been denied for almost every refinance loan we applied for. But Ian talked us through the entire process. Within two weeks, money was in our accounts! I am thankful for this team and the experience. They even had the notary come to our home to finalize paperwork! 10/10 FOR SURE!
Recent Closings
Real loans we’ve brokered for Florida property owners: the property, its value, the loan and the loan-to-value behind each one.
- in loans funded
- $36.8M
- in loans funded
- average loan-to-value
- 43%
- average loan-to-value
- Florida counties
- 41
- Florida counties
56% LTVLoan amount
$1,030,000
Appraised value
$1,830,000
Single Family Home · Brevard County
Foreclosure bailout
48% LTVLoan amount
$230,000
Appraised value
$472,000
Single Family Home · Brevard County
28% LTVLoan amount
$60,000
Appraised value
$215,000
Townhouse · Pinellas County
55% LTVLoan amount
$220,000
Appraised value
$400,000
Multi-Family · Marion County
59% LTVLoan amount
$65,000
Appraised value
$110,000
Land · Charlotte County
26% LTVLoan amount
$100,000
Appraised value
$385,000
Condominium · Orange County
Need Funding Immediately?
Facing a property closing, an approaching loan payoff, or another time-sensitive financing need? Call with your Florida property details and deadline. We’ll review your scenario and discuss available options and a realistic funding timeline.
Find Out What You Could Qualify For
Your property’s value and what you owe help us assess your financing options. Share a few details, and we’ll walk you through what may work for you.
(813) 416-6602
Here’s what we’ll ask when you call:
- Whether the property is in Florida
- Property type and intended use
- Estimated property value
- Existing mortgage balance
- Financing purpose and requested amount
How It Works
- 1
We’ll Talk About Your Loan
- 2
We’ll Walk You Through Your Options
- 3
We’ll Help You Apply
- 4
We’ll Guide You Through Closing
Frequently Asked Questions
Does the property need to be in Florida?
Yes. Loring Loan focuses on financing secured by Florida real estate.
Can you review owner-occupied properties?
Yes. Suitable owner-occupied properties can be reviewed, along with investment properties. Whether a specific scenario fits depends on the property and program requirements.
What should I have ready when I call?
The property location, an approximate value or purchase price, any current mortgage balance, the amount you'd like to borrow, and your purpose and timing. Estimates are fine to start.
Can someone with credit challenges inquire?
Yes, you're welcome to call. Private mortgage review looks closely at the property and available equity, but credit and other factors may still be considered, and any financing is subject to review.
How does my existing mortgage affect a refinance?
Your current mortgage is generally paid off by the new loan. The total new loan typically includes that payoff, any additional cash requested, and any financed costs, so your existing balance directly affects what may be available.
How long does financing take?
Timing varies. It depends on the property, your documentation, title, appraisal, and lender requirements. We typically close in as little as 7 to 14 days.
Let’s Talk About Your Florida Property
Have your property details ready? We’ll review your scenario and explore whether there may be a suitable option.
(813) 416-6602
Call About Your Funding Needs
(813) 416-6602