Every file gets a licensed loan officer, not a portal. If your situation doesn't fit a standard box, call us. Unusual files are our specialty.
The workhorse of home financing. Fixed and adjustable rates for primary residences, second homes and condos, with down payments starting around 3–5% for qualified buyers.
Replace your current mortgage to lower the rate, shorten the term, drop mortgage insurance, or pull cash from your equity for renovations, debt consolidation or investment.
Government-insured loans with down payments from 3.5% and more forgiving credit requirements, often the most realistic path for first-time buyers.
Zero-down financing with no monthly mortgage insurance for those who served. We handle the certificate of eligibility and VA appraisal process end-to-end.
Financing above conforming loan limits for luxury homes and high-cost coastal markets, with competitive rates and flexible documentation options.
Purchase or refinance office, retail, warehouse, multifamily and mixed-use properties. Owner-occupied and investment structures for businesses of all sizes.
Qualify on the property’s rental income instead of your personal tax returns. Built for investors scaling a portfolio, including short-term rentals.
Convert home equity into monthly income, a line of credit or a lump sum, while staying in your home. We walk families through every step and requirement.
Florida down-payment assistance, reduced-MI conventional options and plain-English guidance from your first question to your first set of keys.
Less than most people think. FHA starts at 3.5% down, VA is 0% for eligible veterans, and conventional programs start around 3–5% for qualified first-time buyers. Florida down-payment assistance can cover part of it.
Yes. Beyond standard documentation, bank-statement programs qualify you on deposits rather than tax returns, and DSCR loans qualify investment properties on their rental income alone.
No. Initial quotes use estimates and soft inquiries with zero impact to your score. A hard credit pull only happens when you decide to move forward with an application.
Typical purchases close in 21–30 days. With a complete file we have closed in under three weeks. Refinances usually run 30–45 days.
FHA can work from 580, conventional generally wants 620+, and the best pricing kicks in around 740. If you’re below those numbers, we’ll give you a specific plan to get there rather than a flat no.
No. We are licensed for the entire state of Florida and close loans from Pensacola to Key West. Our office is in Sunrise, but most of the process happens by phone, email and e-signature.
Three questions on the phone usually settles it. Free, no credit impact.