Business Details
31 Years
experience
Trusted Mortgage Brokers in Tampa, FL
Associates Home Loan Of Florida has been a trusted mortgage brokerage firm since 1995, specializing in alternative lending solutions for Florida residents. Our team of experienced professionals is committed to providing personalized loan options tailored to meet the unique needs of each client, whether purchasing a dream home, refinancing an investment property, or consolidating debt. We pride ourselves on flexible underwriting guidelines, streamlined approval processes, and a dedication to privacy, ensuring clients receive competitive rates and reliable service. With decades of combined expertise, we focus on building lasting relationships by delivering transparent, client-centric solutions that address both immediate and long-term financial goals. 
Services
Hard Money Loans
Bridge Loans
FHA Loans
Conventional Loans
Commercial Lending
Private Lending
Refinance Options
Alternative Income Verification
Bad Credit Loans
Investment Property Loans
Details
- Year established: 1995
Highlights and features
- We offer low down payments for loans ranging from $15,000 to $3 million.
- Our flexible underwriting caters to non-traditional income and credit-challenged borrowers.
- We provide loans for unique properties like log cabins and manufactured homes.
- We guarantee 24/7 personalized customer support.
- Our team has over 25 years of combined experience in alternative lending.
What people say
Quick loan approval
Knowledgeable brokers
Flexible underwriting
Competitive rates
Excellent communication
Services
Hard Money Loans
Hard money loans provide short-term financing secured by real estate equity, ideal for investors or borrowers with credit challenges. These loans prioritize property value over credit scores, enabling fast approvals for fix-and-flip projects, debt consolidation, or urgent purchases. At Associates Home Loan Of Florida, we offer flexible terms and rapid funding (714 days) for residential and commercial properties across the state.
Bridge Loans
Bridge loans help homeowners or investors cover financing gaps when buying a new property before selling an existing one. These asset-based loans leverage property equity for quick access to funds, supporting competitive real estate offers or investment opportunities. We specialize in Florida properties, with loan amounts up to $1.75 million and streamlined processes for borrowers needing rapid closings.
FHA Loans
FHA loans offer low down payments (3.5%) and lenient credit requirements for first-time or credit-rebuilding homebuyers. Backed by the Federal Housing Administration, these loans support primary residences in Florida with competitive rates. Our team assists borrowers with credit scores as low as 500, offering refinancing options like streamline or cash-out plans for existing FHA loan holders.
Commercial Lending
Commercial lending services cater to investors and business owners seeking financing for income-producing properties, including retail centers, office buildings, and multi-family units. We provide hard money, bridge, and private loans with flexible terms, prioritizing property equity over rigid credit criteria. Our Florida-focused solutions support fast closings (710 days) for purchases, renovations, or expansions.
Alternative Income Verification
Alternative income verification loans accommodate self-employed borrowers, investors, or retirees using bank statements, profit/loss reports, or asset-based documentation. These programs bypass traditional W-2 requirements, enabling financing for properties valued up to $3 million. We specialize in helping clients with irregular income streams secure residential or commercial mortgages in Florida.
People
Jimmy Golden
Loan Officer
Jimmy Golden is a seasoned loan officer with expertise in alternative lending. He guides clients through complex mortgage scenarios, ensuring clear communication and efficient closings.
Frank Grimes
President
Frank Grimes leads Associates Home Loan Of Florida with over 25 years of mortgage industry experience. He focuses on expanding access to non-conforming loan solutions across the state.
Ian Loring
VP & Licensed Mortgage Broker
Ian Loring oversees loan structuring and compliance, leveraging his licensing expertise to tailor programs for credit-challenged borrowers and investors.
Questions
Can I qualify for a mortgage with a low credit score?
Yes. We specialize in loans for borrowers with credit scores as low as 452, including bankruptcy or foreclosure histories.
How quickly can I get approved for a loan?
Most approvals occur within 24 hours, with funding available in 7–14 days after documentation submission.
Do you offer loans for investment properties?
Yes. We provide financing for residential and commercial investment properties, including fix-and-flip and rental units.
What down payment is required for a conventional loan?
Conventional loans start at 3% down for first-time buyers and 20% to avoid PMI.
Can I use alternative income documentation?
Yes. We accept bank statements, profit/loss reports, and asset-based verification for self-employed or non-traditional borrowers.
Videos
