Mortgage Lender in Florida

Integrity:

We conduct our business with honesty and transparency, building trust with our clients.

Customer Focus:

We prioritize our clients' needs and strive to provide exceptional service throughout the entire loan process.

Expertise:

Our team possesses extensive knowledge of the mortgage industry and the Florida housing market.

Innovation:

We leverage technology and innovative solutions to streamline the mortgage process and enhance the client experience.

Community:

We are committed to supporting the communities we serve through local partnerships and initiatives.

Home Purchase Loans:

Whether you're a first-time homebuyer or a seasoned homeowner, we offer various loan programs to help you purchase your dream home in Florida.

Refinance Loans:

Lower your monthly payments, shorten your loan term, or access your home equity with our refinance options.

Non-QM Loans:

We provide specialized loan programs for self-employed individuals, real estate investors, and those with unique financial situations.

Government-Backed Loans:

We offer FHA, VA, and USDA loans to make homeownership more accessible to eligible borrowers.

Other Loan Programs:

We also offer jumbo loans, renovation loans, and investment property loans to meet diverse needs.

Mortgage Calculator:

Estimate your monthly mortgage payments and affordability.

Rate Checker:

Stay up-to-date on current mortgage rates in Florida.

Loan Application:

Apply for a mortgage online at your convenience.

Educational Resources:

Access articles, guides, and FAQs to learn more about the mortgage process.

1099 Loans:

Ideal for freelancers, independent contractors, and self-employed individuals who use 1099s to report their income.

Bank Statement Loans:

Utilize bank statements to verify income, providing flexibility for those with non-traditional income sources.

Asset Depletion Loans:

Qualify based on your liquid assets, ideal for retirees or high-net-worth individuals with significant assets.

DSCR Loans:

Designed for real estate investors, qualifying based on the property's rental income.

Bridge Loans:

A short-term financing solution to help bridge the gap between selling your current home and purchasing a new one.

Foreign National Loans:

Cater to non-U.S. citizens looking to purchase property in Florida, often with unique documentation requirements.

Rate-and-Term Refinance:

Secure a lower interest rate or adjust your loan term to reduce your monthly payments or pay off your mortgage faster.

Cash-Out Refinance:

Tap into your home equity to fund home improvements, consolidate debt, or cover other expenses.

Competitive Rates:

We offer competitive interest rates on refinance loans.

Streamlined Process:

We make the refinancing process as smooth and efficient as possible.

Expert Guidance:

Our loan officers provide personalized guidance to help you choose the best refinance option for your needs.

Lower Monthly Payments:

Refinancing to a lower interest rate can significantly reduce your monthly mortgage payments.

Pay Off Your Mortgage Faster:

Switching to a shorter loan term can help you pay off your mortgage sooner.

Access Home Equity:

Cash-out refinancing allows you to access your home equity for various purposes.

Conventional Loans:

A popular choice for those with strong credit and a down payment of at least 3%.

FHA Loans:

A great option for first-time homebuyers or those with less-than-perfect credit, requiring a lower down payment and offering more lenient credit guidelines.

VA Loans:

A valuable benefit for eligible veterans and active-duty military personnel in Florida, offering zero down payment options and competitive interest rates.

USDA Loans:

Designed for homebuyers in eligible rural areas of Florida, offering no down payment and flexible credit guidelines.

Florida Housing Finance Corporation (FHFC):

The FHFC offers various down payment and closing cost assistance programs to eligible homebuyers.

Local Government Programs:

Many cities and counties in Florida offer their own down payment assistance programs. Check with your local housing authority or government website for available options.

FHA Loans:

Insured by the Federal Housing Administration, these loans require a lower down payment and have more lenient credit requirements.

VA Loans:

Guaranteed by the Department of Veterans Affairs, these loans offer significant benefits for eligible veterans and their families.

USDA Loans:

Backed by the U.S. Department of Agriculture, these loans provide zero down payment options for eligible rural homebuyers.

Lower Down Payment Requirements:

Government-backed loans often require lower down payments than conventional loans, making homeownership more accessible.

Flexible Credit Guidelines:

These loans may have more lenient credit score requirements, making them suitable for borrowers with less-than-perfect credit.

Competitive Interest Rates:

Government-backed loans typically offer competitive interest rates.

Jumbo Loans:

For high-value properties that exceed conforming loan limits, we offer jumbo loans with competitive rates and terms.

Renovation Loans:

Combine your home purchase or refinance with renovation costs into a single loan, streamlining the process of updating your home.

Investment Property Loans:

Expand your real estate portfolio with financing options for investment properties in Florida.