Non-Prime Loans 

Are you looking for a Non-Prime Loan? We will be glad to help! Call us at 305-608-8808. Ready to begin?Apply Now.

Welcome to Refresh Funding, LLC..We are your one stop shop for all of your Florida hard money, non-prime and equity based residential and commercial loan needs. With our office based out of Miami, Florida, we can assist you with any real estate loan transaction in any of the Florida counties and cities. If you want to purchase or refinance a residential or commercial property, let one of our experienced loan specialists assist you with getting the funding that you need. If you are a Realtor, Real Estate Auction Company or Real Estate Investor, we can assist your potential customers with the financing for their purchase that they may not be eligible for through Banks, FHA and, traditional lending sources. If you have a low credit score, you can still qualify for a purchase. If you are overwhelmed by credit card debt, but you have a property with equity; you can still qualify for a home loan. Also, we offer specialized programs for high profile borrowers with unique needs and situations. Contact us today to discuss your Florida home loan and non-prime loan needs. Hard money loans and subprime loans are our specialty and we strive to structure a loan that fits your needs. 

No doubt, a lot to do when you get a Non-prime loan. You wouldn't be visiting our site if it were possible to fill out a one-page loan app and get a great loan funded the same day. We do the heavy lifting for you, so you can concentrate on what's important — preparing to move into your new home or saving money.

A non-prime loan is a loan that is offered at a rate above prime to individuals who do not qualify or prime rates. Often, non-prime borrowers are often turned away from traditional lenders because of their low credit scores or other factors that show they have a reasonable chance of defaulting on the debt repayment. 

Non-prime loans tend to have a higher interest rates than the prime rate offered on traditional loans.
However, getting a non-prime loan could still be a good idea if the loan is meant to pay off a higher interest debt, such as credit card debt, and the borrower has no other means for payment. The specific amount of interest charged on a non-prime loan is not set in stone. 

Experts at Refresh Lending knows that not everyone is qualified by banks to receive the loans they need. So we offer non-prime loans to those who cannot seek out assistance from traditional lenders. We offer fair rates to those with below average credit scores. By looking at more than just your credit score, we asses the risk and structure payment plans considering all factors. Refresh Lending offers competitive rates, streamlined processes, and transparent non-prime loans.

Florida Loans:

Getting a non-prime home loan involves four major steps.


Step one: Determine how much you can borrow

Step two: Pre-qualify for your loan

Step three: Apply for your loan

Step four: Your loan is funded

Your real estate agent and the sellers will coordinate to decide on an escrow/title company to take care of the funding of your loan once it has been approved. We'll work with this company to ensure the papers your lender needs are in order, and you will probably sign all these papers at their office. We will coordinate with this company on your date of closing. Since you won't need to coordinate this process, you get to think about the move, painting, carpet, and the details involved in getting a new home.

After you have answered some few questions, given us detailed information, and applied, you'll be ready to move sooner than you think! We take care of the mortgage legwork so you can focus on finding the new home that's right for you.

Have questions about the loan process? Call Refresh Funding at 305-608-8808. It's our job to answer lending questions, so we're happy to help! Please take the time to fill out our Basic Pre-Approval form.

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

Tell us about your loan needs.
How can we get in touch with you?
Tell us about your credit history.