Hard Money Loans are non-Conventional Loans. We comply by all state and Federal regulations. Products and rates are subject to change without notice. Orbitix Lending is a Florida licensed correspondent mortgage lender. We do not buy homes but we lend money to Homeowners facing foreclosure or who are behind on their current mortgage payments. We do not originate Section 32 loans. We lend based on the amount of equity you currently have in your home and your ability to repay the loan. Credit score is not an issue.