If a Florida buyer or investor is trying to close, I have a product for it. Conventional, government, jumbo, non-QM, investor, bridge — full coverage.
3–20% down, 620+ FICO, conforming loan limits. The default for most W-2 borrowers with good credit.
Details →3.5% down, 580+ FICO, lower DTI bar. Best for first-time buyers and lower-credit profiles.
Details →$0 down, no PMI, lower rates. Active duty / veterans / surviving spouses. Florida's best loan if you qualify.
Details →$0 down in eligible rural FL areas. Income limits apply. More rural FL still qualifies than people realize.
Details →Loans above conforming limits ($806,500 standard / $1.2M+ Monroe). Best rates often available at 720+ FICO and 20%+ down.
Details →12 or 24 months of personal or business bank statements. Self-employed borrowers without strong tax returns.
Details →CPA-prepared profit and loss to qualify. For self-employed with cleaner books than bank statements show.
Details →Use 60–70% of liquid assets / 360 months as qualifying income. Retirees and high-net-worth borrowers.
Details →Non-US citizens. Passport, ITIN, or visa-based qualifying. Common in Miami, Keys, Naples luxury markets.
Details →Short-term (6-24 month) financing for fix-and-flip, value-add, 1031 deadlines. Asset-based, fast close.
Details →Pull equity out of your home for renovation, debt consolidation, or investment. Up to 80% LTV typical.
Lower your rate, shorten term, or convert ARM to fixed. Run break-even analysis before you commit.
Tap equity without disturbing your low-rate first. Good for homeowners with sub-5% mortgages.
62+ homeowners with significant equity. HECM and proprietary jumbo reverse options.
Roll renovation costs into the purchase loan. Perfect for fixer-uppers in coastal FL.
One-time-close construction loans for new builds and major teardowns. Coastal FL builder-friendly.
That's exactly the conversation. 30 minutes. We'll look at your situation and pick the one or two programs that actually fit — not the one I get paid the most on.
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