Broker Referral Program2019-09-30T15:45:03-05:00



Our lending programs afford us the opportunity to compensate partnered real estate professionals for referring borrowers to us. We’d love for you and your clients to experience our streamlined process!

Brokering deals with Murphy Development and Funding is easy: simply register with us using our online sign-up form, then start enlisting deals. We will do everything we can to help you quickly close transactions, and afterwards, we will continue to help your clients’ investments be successful.

If you have any questions, feel free to reach out to us. If you’re ready to start earning money with Murphy Development & Funding partnership, click below to register today!


  • Property Wholesalers
  • Real Estate Brokers
  • Realtors
  • Mortgage Brokers
  • Loan Originators
  • Lenders
  • Attorneys
  • Title Companies
  • …and more!


Complete our online registration form to sign up as one of our referral partners.


Complete our online referral form to submit a loan, deal, or client for us to work together on.


“We build entry level spec homes in Volusia county.  We worked with one of they online lenders before finding Murphy Developments.  What a change!  The online lender charged all kinds to sneaky interest and sneaky fees.  It was a disaster to get a draw from the online Lender.  Murphy Developments makes the entire process easy.  They get you a loan commitment in one day.  We email pictures of the build and permit card to get draws paid.  I call or text the owner with questions or asking for trade references and he always responds.  We are big fans of Murphy Developments!”

Tim Wilkerson, Palm Investments

“Jeff has financed several high-end spec homes in Winter Park and a restaurant in Orlando.  Not only is he our go to lender, but I consider him a trusted resource and friend.  As  a lender he is the best – he’ll get you a commitment in a day and always does what he says.  Because he is builder he understands the process and headaches you can run into.  He will call his contacts at the city trying to get your plans approved, refer you trades, and generally do whatever he can to help.  Another amazing thing is that Jeff sends me leads on lots on a regular basis.”

Larry Williams, Austin Homes

“I have worked with Mr. Murphy for 15 years.  I have sold him houses; borrowed money; and referred borrowers to him.  He always does what he says he is going to do.  He is one of my favorite people to work with.”

Anthony Kusky, New Begginngz Real Estate

“I have borrowed money from Jeff and brokered several deals to him.  He is my favorite hard money lender to work with.  He is creative and understands title better than most attorneys.  Last year, I got a deal that another lender couldn’t close because a so-called title issue.  While I was on the phone Jeff researched the issue and said it was  a non-issue.  Jeff gave a commitment and we closed in a week.”

Robin T., The Loan Guy

“I have borrowed money, partnered and sold Murphy Developments houses.  They know real estate – They are creative on figuring out deals – They are honest.  I hope to work with them for a long time.  They not only provide the capital, but they are an excellent resource on a property.”

Robert Crager, PR Consultants

“I have borrowed money from Murphy Developments.  They are easy to work with and close quickly.  I have also become friends with the owner and consider him a good friend.  He reaches out to me on a regular basis to discuss deals and offer insights.  I think his organization is amazing and I hope to be friends and do lots of deals together.”

Pete Leerdam, Leerdam Properties


What geographic areas/regions do you lend in?2019-09-30T14:28:27-05:00

Our office is located in Orlando Florida, and we focus on serving the Central Florida area, specifically Orange County, Seminole County, Volusia County, Brevard County, Lake County, Osceola County, Polk County, and Marion County. However, we will consider loans outside of these areas.

Do you offer hard money loans for owner occupied properties?2019-09-30T14:29:08-05:00

All of our financing options are intended for investment purposes, so we do not provide loans for personal residences, but we will consider purchasing the property and leasing it back to you with an option to purchase the property back from us. Feel free to apply, or simply contact us to explain your situation.

Do you finance real estate renovation costs?2019-09-21T21:58:53-05:00

Yes! We provide funding for investment property renovations. Click here to learn more about our lending terms.

Do you have any restrictions on the types of investment properties you will loan on?2019-09-30T14:29:34-05:00

No. We will lend on any real estate.

Do you finance second position loans?2019-09-30T14:30:27-05:00

No, we don’t.

What is the maximum LTV (Loan to Value) you are willing to lend?2019-09-30T14:32:36-05:00

It varies, but typically hinges on on the project and situation, and can be flexible depending on your circumstances. To reiterate previous FAQ answers, the best thing about being a private lender is having this kind of discretion and freedom with our lending decisions.

We have general policies in place, although we have the flexibility to bend, break, or change our own guidelines for situations where we feel it is warranted. Our general guidelines are as follows:

  • We will loan up to 80% of the purchase and rehab costs on houses or commercial properties for the purpose of flips, cash outs, or income;
  • We will loan up to 75% of the total cost on residential or commercial new construction;
  • And we will loan up to 60% of the purchase and infrastructure costs on land developments.

You can click here to learn more about our loan programs.

Do you have a minimum and/or maximum loan amount?2019-09-30T14:32:26-05:00

No, we do not have a set minimum or maximum loan amount. To date, our smallest loan amount was $50,000 and our largest loan amount was $2,500,000.

What is the required minimum down payment?2019-09-30T14:33:11-05:00

It varies, but typically hinges on on the project and situation; we can be flexible depending on your circumstances. Generally speaking you will be required to fund 20% to 30% of your investment project, plus closing costs, from your own sources. However, every situation is different, so please click here to apply, or simply contact us and let’s chat about your circumstances!

Do you require an appraisal, survey, and/or inspections?2019-09-30T14:33:45-05:00

We do require a survey; several years ago, we accidentally purchased half of a house! This was an incident we certainly would have avoided if there had been a survey, so we require this small expense to protect ourselves and our borrowers from getting into a difficult situation. We do not require appraisals or inspections. Typically, a member of our team will do an internal property valuation, and we conduct our own on-site inspections. We like to meet our clients to walk the property and try to help them through the process or answer any questions they may have. There are some specific commercial or land transactions which we may require additional inspections and/or a third-party appraisal.

What are your requirements for insurance?2019-09-30T15:09:16-05:00

We absolutely require property and casualty, and liability insurance on the property, as it’s a small price to pay for the protection. We may also require flood insurance if the property requires it.

Do you have a prepayment penalty?2019-09-30T14:35:53-05:00

We do not have prepayment penalties. You can pay off your loan at any point during the term of your loan with no penalties at all.

Do your loans have any junk fees or hidden costs?2019-10-18T14:18:53-05:00

We have absolutely no junk fees or hidden costs. The only fee we charge is a loan origination fee, which is 2% of the loan amount for property flips/cash outs, or 4% of the loan amount on loans for new construction and land/developments.

Our primary goal is for property investors to borrow from us again and again, so shady lending practices are NOT in our best interest! We pride ourselves on clarity, transparency, and communication, so you will never encounter “hidden” costs when working with us. We always provide breakdown of all loan costs, known as a “good faith estimate” after your loan request is approved, so you will always be fully informed.

How fast can you provide funding?2019-09-30T14:36:22-05:00

Thanks to our streamlined process and extensive transaction experience, we regularly close loans in as little as 7 days. Keep in mind that there is always the possibility for closings to be delayed, however this is almost never within our control. Typical closing delays are caused by title issues that need to be cleared up, but there are some other issues or circumstances that can cause closing delays as well.

Do you have a minimum acceptable credit score for borrowers?2019-09-21T21:11:38-05:00

The short answer is no.

The great thing about being an independent, private lender is that we have the freedom to analyze a potential borrower’s entire situation rather than having our considerations restricted to only a few specific details.

However, we do review credit score and credit history, and we factor that information in with MANY other components and credentials to make our decisions about a potential borrower’s eligibility, terms, and conditions.

What qualities are you looking for when qualifying a potential borrower?2019-09-21T21:11:38-05:00

Our lending decisions are typically based on the potential borrower’s capacity to succeed, combined with the overall likelihood of project success. We aren’t automatically scared away by flawed credit histories, low credit scores, or self-employment.

Like other private lenders, we consider all known factors about the potential borrower’s personal and professional life, plus facts and data that are known about the investment property project when making our lending decisions.

I don’t have any experience in real estate investing. Could I still qualify for a hard money loan?2019-09-21T22:00:06-05:00

Of course! Everyone starts somewhere, and we truly enjoy working with new investors. The terms and conditions of your loan may be a bit different from that of an investor that we’ve completed multiple transactions with, but we look forward to turning you into a seasoned pro.

Do I need to have a business entity to qualify for your loans?2019-09-30T14:37:28-05:00

You don’t need to have a business entity in place to qualify for a loan, however we do require our loans to be made to such an entity, whether it’s an LLC or a corporation of some type. If you don’t have one, there’s no need to worry as we will provide all the guidance you need and it’s a fairly simple task. We occasionally make exceptions to this rule, but once we explain the benefits and purposes of it, we can discuss it further. This kind of thing goes by a few different names including SPV (special purpose vehicle), and/or SPE (single purpose entity OR special purpose entity).

Do you provide real estate investment funding for foreign nationals?2019-09-30T15:09:30-05:00

Yes, we absolutely fund foreign nationals, and have worked with quite a few already!

How do I apply?2019-09-21T21:13:23-05:00

Good news: it’s easy! Just click here to apply online, which will include uploading some documents. Uploaded documents can be image files (like .jpg or .png), or they can be an Adobe PDF (.pdf) file. If you have any questions or problems during your application, feel free to contact us!

How long does it take you to respond to a new loan application?2019-09-30T14:38:09-05:00

We typically respond to a new loan application either the same day or the following day. It is always our goal to get a preliminary loan commitment to you within 48 hours of when you initially made contact with us, but sometimes this is delayed because we are waiting on documents.

What documents will I be required to provide as part of my loan application?2019-09-30T14:39:29-05:00

Our standard document requirement is very simple:

  • Loan application
  • Credit authorization
  • Purchase contract
  • Proof of funds for down payment
  • Two years of tax returns
  • Copy of government-issued ID

We may require additional documents before closing, but this is all that’s required for us to provide you with a loan commitment.

What documents will I be required to provide prior to closing?2019-09-30T14:40:01-05:00

Prior to closing, we will require a few more documents:

  • Operating agreement (if applicable)
  • Insurance declarations page
  • Budget and Scope of work (if applicable)
  • Property survey
  • Title commitment with no exceptions

Additional documents may be required for closing, but every project is different so it’s tough to list all the possibilities. However, there’s no need to worry, as we will let you know in more than enough time for you to put these items together.

If I become a repeat borrower, will I always have to provide the same documents every time I request investment property funding?2019-09-30T14:40:19-05:00

As a repeat client, the process is super easy. Typically, repeat borrowers just send me the purchase contract and the amount they want to borrow, and almost everything else is handled by our team or the title company.

Can you provide a letter that I can present to the property seller that ensures them I have the necessary funding?2019-09-30T14:40:32-05:00

Yes! This is called a “proof of funds” letter, and we can create one for you upon request. We typically provide this to you the same day, but certainly within 24 hours of request.

Can you recommend laborers, craftsmen, service providers, etc?2019-09-21T21:59:24-05:00

One of the best things about our wealth of experience in Central Florida is that we’ve come to know the local tradesmen, craftsmen, service providers, contractors, and skilled companies quite well, and we’re happy to provide referrals to you for your project.