florida capital consultant

Your Trusted Partner for Institutional & Private Mortgages

The skyline of the beautiful city of Miami, Florida shot from an altitude of about 1000 feet.

At Florida Capital Consultants, we specialize in delivering tailored mortgages for your residential and commercial real estate needs. Whether you’re purchasing or refinancing, our expertise in both Bank and Non-Bank financing ensures that you have access to the best options available. Our mission is to empower clients in the Greater Tampa Bay Area communities with expert advice, reliable service, and customized mortgage solutions. At Florida Capital Consultants, your financial success is our priority.

Special Services offered by us!

Conventional Loans

Fixed & Adjustable Mortgage Rates with Low 30-Year Financing Options in St. Petersburg

Government Loans

FHA and VA Loans. Fixed and Adjustable Options: 30 year mortgage rates

Private/Hard Money Loans

Fix & Flip, Cross Collateral, Bridge Loans, and small balance commercial

Alternative Loans

Non QM Mortgages including Bank Statement Loans for Self Employed Borrowers, 1099 Loans, Asset Depletion Loans, and Debt Service Credit Ratio Loans.

Special Services offered by us!

Conventional Loans

Fixed & Adjustable Mortgage Rates with Low 30-Year Financing Options in St. Petersburg

Government Loans

FHA and VA Loans. Fixed and Adjustable Options: 30 year mortgage rates

Non QM Loans

Bank Statement Loans, 1099 Loans, Asset as Income Loans, and DSCR loans

Private/Hard Money Loans

Fix & Flip, Cross Collateral, Bridge Loans, and small balance commercial

Private/Hard Money Loans

Private and hard money loans offer fast, flexible financing for real estate investors. They cover Fix & Flip projects, Cross Collateral loans using multiple properties, Bridge Loans for short-term funding, and small balance commercial loans for smaller commercial properties. Ideal for quick approvals and asset-based lending, they provide investors with the capital needed for fast-moving opportunities.

90%

Success
Rate

87%

Private/Hard Money Loans

Florida Capital Consultants specializes in Bank and Non-Bank Commercial Loans for purchasing or refinancing Commercial Real Estate.

What Our Clients Say

Some kind words from our respected clients

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Nicolas Gutierrez

Steven is the man! I have worked with him twice and will continue to do so moving forward for all of my real estate needs. Got me amazing rates both times. He’s there with you every step of the way.

D

David Forman

Steve Cooper of Florida Capitol Consultants is a miracle worker. He gets you the financing you need even when other banks say no. He’s brilliant at what he does.

D

Dariusz Majerski, MD

Great, efficient, experienced, professional, courteous service, highly recommended.

Recently Funded Deals

Private Loan Success in St. Petersburg, FL

For this deal, we had the opportunity of helping an incredible local real estate investor pay off their existing loan and pull-out extra cash to complete renovations on a single-family home in sunny St. Pete.

With an ARV (After Repair Value) of $350,000, the borrower is planning to wrap up renovations in the next 4–6 months 🛠️ and list it for sale. Deal Breakdown: 💸 Loan Amount: $179,000 (with $60,000 in renovation funds) 📆 Term: 12 months 💳 Structure: Interest-only payments 🕒 Closed in under 3 weeks ✅ No credit or income documentation required

Whether you’re refinancing, flipping, or building your portfolio, we’re here to fund your vision, fast and flexibly.

Plan Your Loan with Ease

Use our easy-to-navigate Loan Calculator to estimate your monthly payments and explore your financing options. Whether you’re considering a short-term bridge loan or a long-term mortgage, our calculator helps you plan with confidence.
Ready to get started? Click below to calculate your loan now!

About Us

Our mission is to empower clients in the Greater Tampa Bay Area communities with expert advice, reliable service, and customized mortgage solutions. At Florida Capital Consultants, your financial success is our priority.

We are family run and offer over a decade of mortgage experience. As a full-service mortgage company we offer mortgages in the state of Florida.