3% down
Conventional
The classic. Best rates if you have solid credit (620+) and steady income. Down as low as 3%.
Best for: Salaried buyer, good credit
Ask about thisLoan options
One broker. Every loan.
As brokers — not a single bank — we shop dozens of wholesale lenders to find the right loan, the right rate, and the right structure for you. Licensed across Florida and Texas, fully bilingual.
Homeowner Equity
Tap your home's equity.
Renovate, invest, consolidate debt, or fund life's milestones. We shop refi's, HELOCs, and HELOANs side-by-side so you keep the lowest blended cost.
Talk equity strategyCash-Out Refi
- •Replace your loan, pull cash
- •Fixed-rate predictability
- •Best when rates favor a reset
HELOC
- •Revolving line of credit
- •Draw what you need, when
- •Interest-only flexibility
HELOAN
- •Lump sum, fixed payment
- •Lock today's rate
- •Great for one-time projects
Equity questions, answered.
3.5% down
FHA
Government-backed and forgiving — flexible credit (580+) and just 3.5% down. Great safety net.
Best for: First-time / lower credit
Ask about this$0 down
VA
Zero down, no PMI, lower rates. A thank-you to those who served. Active duty, veterans, and surviving spouses.
Best for: Military & veterans
Ask about thisUp to $5M+
Jumbo
When the home price laughs at conforming limits. Up to $5M+ for waterfront, luxury, or anything Miami-priced.
Best for: Luxury & oceanfront
Ask about thisNo tax returns
DSCR
Qualify on the property's cash flow, not your tax returns. The investor's secret weapon.
Best for: Real estate investors
Ask about thisSelf-employed
Bank Statement
Self-employed and the tax write-offs hurt your income on paper? Use 12–24 months of deposits instead.
Best for: 1099, business owners
Ask about thisNo SSN required
ITIN
No Social Security? No problem. Qualify with an ITIN and U.S. credit history.
Best for: ITIN holders
Ask about thisGlobal buyer
Foreign National
Live abroad, invest in Florida. No U.S. credit needed — just bank statements and a down payment.
Best for: International investors
Ask about thisRefinance
Cash-Out Refi
Tap your equity to renovate, invest, consolidate, or just keep your dry powder ready.
Best for: Equity holders
Ask about thisTap equity
Equity: Refis, HELOCs & HELOANs
Unlock your home's equity — cash-out refinance, HELOC line of credit, or fixed-rate HELOAN. Renovate, invest, consolidate, or pay for life's milestones.
Best for: Homeowners with built-up equity
Ask about thisBuild new
Construction
One-time-close construction-to-permanent. Build the dream without two sets of closing costs.
Best for: Custom builds
Ask about thisStill deciding?
Not sure which loan fits?
15 minutes on the phone and we'll narrow it down. English or Español.
Talk to a broker
