top of page

Residential & Commercial 
Mortgage Programs

At Bennett Capital Partners, we specialize in offering a comprehensive range of residential and commercial mortgage services in Miami, Florida, and throughout the state. As a licensed mortgage brokerage firm, we provide tailored financing solutions to help our clients find the perfect loan product for their unique needs.

Our residential mortgage programs are designed to cater to the diverse needs of our clients. We offer expertise on a wide range of loan programs, including conventional loans, non-QM mortgages and Non Qm Loan Requirements, Foreign National Mortgages, first-time homebuyer programs, jumbo loans, FHA loans, VA loans, USDA loans, construction loans, vacant land loans, renovation loans, bad credit loans, and foreclosure bailout loans. Our experienced team of mortgage professionals has the knowledge and expertise to help both first-time homebuyers and experienced real estate investors achieve their financial goals.

We work closely with our clients to understand their unique needs and provide tailored financing solutions to help them achieve their goals. Whether you're a first-time homebuyer or an experienced real estate investor, we're here to help you find the ideal financing solution for your unique needs.

In addition to our residential mortgage programs, we also offer a wide range of commercial mortgage programs, including SBA loans, bridge loans, commercial real estate financing, condominium loans, hard money loans, condo-tel loans, multi-family 5+ units loans, non-warrantable condo loans, and private lending. Our seasoned team understands the complexities of commercial real estate transactions and has the expertise to help clients navigate the process. We work closely with our clients to understand their unique needs and provide tailored financing solutions to help them achieve their goals.

At Bennett Capital Partners, we believe in offering a personalized service that helps our clients achieve their financial goals. We understand that buying a home or commercial property can be a daunting process, and we're committed to guiding our clients through the process from start to finish. Whether you're looking for residential or commercial mortgage services, Bennett Capital Partners has the knowledge and expertise to help you achieve your financial goals. Contact us today to learn more about our mortgage services and discover why we are the best mortgage broker in Miami and throughout Florida.

Beach Front Condo Header

Close with confidence.

Bennett Capital Partners Mortgage Programs

Conventional

Conventional loans are traditional mortgage loans that are not guaranteed or insured by the government. These loans are typically offered by banks and must meet the guidelines set forth by Freddie Mac and Fannie Mae, two of the largest buyers of conventional mortgage loans in the United States. Conventional loans offer fixed-rate, adjustable-rate, low down payments, first time homebuyers programs and more. These loans generally have stricter credit and income requirements than government-backed loans but often offer more flexibility and lower interest rates

Foreign Nationals

Foreign National loans are specialized home loan programs designed for non-US citizens or residents who wish to purchase or refinance a property in the United States. At our company, we have extensive experience in securing Foreign National Mortgages for our clients. Our team understands the unique challenges and requirements of these types of loans and has established relationships with lenders who specialize in this area. We have a track record of successfully securing financing for our foreign national clients and can guide you through the entire process from start to finish.

Jumbo

Jumbo loans are specialized home loan programs designed for borrowers who need to borrow more than the maximum conforming loan limits set by Fannie Mae and Freddie Mac. These loans are typically used to finance high-end, luxury properties or homes in areas with high housing costs. Jumbo loans usually have stricter underwriting requirements and higher interest rates than traditional mortgage loans due to the increased risk associated with larger loan amounts. At our company, we have extensive experience in securing jumbo loans for our clients. 

Condominium Loans

Condominium loans are specialized home loan programs designed for borrowers who are looking to finance the purchase of a condominium unit. At our company, we specialize in providing financing options for both warrantable and non-warrantable condos. With over 20 years of experience in originating condo mortgages in Florida, we have extensive experience in securing condominium loans for our clients. Our team understands the unique challenges and requirements of these types of loans and can guide you through the entire process from start to finish.

Condo-Tels

Condo-tels, also known as hotel-condos, are specialized home loan programs designed for borrowers looking to purchase a condominium unit that is also used as a short-term vacation rental. These types of properties are typically located in tourist destinations and are managed by a hotel or resort. Condo-tels have unique financing requirements due to the rental nature of the property.  Our team understands the unique challenges and requirements of these types of loans and can guide you through the entire process from start to finish. 

VA

VA loans are home loan programs that are guaranteed by the United States Department of Veterans Affairs (VA) and designed for eligible veterans, active-duty service members, and their families. These loans are designed to help make homeownership more accessible for those who have served our country. VA loans often require no down payment, have lower interest rates than traditional mortgage loans, and have less stringent credit and income requirements.VA loans can be used to purchase or refinance a home and are a popular option for veterans and active-duty service members. 

Construction Loans

Construction loans are specialized home loan programs that provide financing for the construction of a new home or heavy renovation of an existing home. These loans are typically short-term loans that provide funds for the construction process and are usually converted to permanent mortgage loans once the construction is complete. Construction loans can be used for new construction or major renovation projects and are a popular option for those looking to build their dream home. We work with the best banks and private lenders in this space.

 

 

Renovation Loans

Renovation loans are specialized home loan programs that provide financing for home renovations or repairs. These loans can be used to fund a wide range of renovation projects, from minor repairs to major home remodels. Renovation loans are typically designed to cover both the cost of the renovation project and the underlying mortgage loan. Renovation loans can be a great option for homeowners who want to renovate their home but may not have the cash on hand to pay for the project upfront. 

Foreclosure Bailout Loans

Foreclosure bailout loans are specialized home loan programs designed for borrowers who are facing foreclosure and need to refinance their mortgage to prevent the loss of their home. These loans are typically offered by banks or private lenders and can provide borrowers with the funds needed to bring their mortgage payments current and avoid foreclosure proceedings. Foreclosure bailout loans can be a lifeline for homeowners who are struggling to make their mortgage payments and facing the possibility of losing their home. 

Non-Warrantable Condos

Non-warrantable condos are properties that do not meet the lending guidelines set by Fannie Mae and Freddie Mac, the two government-sponsored enterprises that purchase the majority of mortgage loans in the United States. These condos may have a variety of issues that make them ineligible for traditional mortgage loans, such as litigation, excessive investor ownership, or inadequate insurance coverage. Non-warrantable condo loans are designed for borrowers looking to purchase or refinance a non-warrantable condo. 

Private Lending

Private lending is a popular financing option used by investors to purchase, renovate, construct, or cash out refinance properties. These loans are typically funded by private investors or companies and offer several advantages, such as allowing the title to be held in an LLC. Private lending is especially popular among investors due to its flexibility and the ability to secure funding quickly.

Non-QM

Non-QM mortgages are specialized home loan programs that do not meet the criteria for Qualified Mortgage (QM) status. These programs are designed for borrowers who may not qualify for traditional mortgage loans due to factors such as non-traditional income sources, high debt-to-income ratios, or previous credit issues. Non-QM mortgages typically have more flexible underwriting requirements and allow for alternative forms of income verification. 1 Year Self Employment, Bank Statement Income, Profit and Loss Only, 1099 Only, Non-Warrantable Condos Allowed.

First Time Homebuyer

First-time homebuyers are individuals who are purchasing a home for the first time. This can be an exciting but also overwhelming process, especially for those who are unfamiliar with the home buying process. At our company, we specialize in helping First-Time Homebuyers navigate the complexities of the real estate market and find the perfect home that fits their budget and lifestyle. We offer a variety of loan programs specifically designed for first-time homebuyers, including low down payment options and down payment assistance programs.

Commercial

Commercial mortgages are specialized loan programs designed for businesses or investors looking to finance commercial real estate properties, such as office buildings, retail spaces, and industrial facilities. These loans are typically offered by banks or private lenders and have different underwriting requirements than residential mortgages. Commercial mortgages can be used to purchase or refinance properties and may require larger down payments and higher interest rates than residential mortgages. 

Hard Money

Hard money loans are specialized short-term financing options designed for borrowers who may not qualify for traditional mortgage loans due to credit issues or other factors. Hard money loans can be a great option for borrowers who need financing quickly or for real estate investors looking to purchase and renovate properties. Our Bridge loan programs and hard money loans will help you reach your investment objectives. At our company, we specialize in providing residential and commercial hard money loan options to borrowers looking for alternative financing solutions. 

FHA

FHA loans are home loan programs that are insured by the Federal Housing Administration (FHA), a government agency. These loans are designed to help make homeownership more accessible for low- to moderate-income borrowers who may not qualify for traditional mortgage loans. FHA loans have less stringent credit and income requirements than traditional mortgage loans and often require smaller down payments. FHA loans can be used to purchase or refinance a home and are a popular option for first-time homebuyers. 

USDA

USDA loans are home loan programs that are backed by the United States Department of Agriculture (USDA) and designed for borrowers in rural areas who meet certain income and property eligibility requirements. These loans are designed to help make homeownership more accessible for those in rural communities. USDA loans often require no down payment, have lower interest rates than traditional mortgage loans, and have less stringent credit and income requirements. USDA loans can be used to purchase or refinance a home in eligible rural areas.

Vacant Land Loans

Vacant land loans are specialized home loan programs designed for borrowers looking to purchase or refinance vacant land for personal or investment purposes. These loans are typically offered by banks or private lenders and have different underwriting requirements than traditional mortgage loans. Vacant land loans can be used for a variety of purposes, including building a new home, developing a commercial property, or investing in raw land. Contact us to learn about our vacant land loans and achieve your real estate goals.

Bad Credit Loans

Bad credit mortgages are specialized home loan programs designed for borrowers with low credit scores or a history of financial difficulties. These loans can be a lifeline for those who may not qualify for traditional mortgage loans due to their credit history. 

Bad credit mortgages can be used to purchase or refinance a home and may require additional documentation and proof of income. Bad credit mortgages are great for people with low credit score, debt-to-income ratio issues, recent forclosure and bankruptcy. 

Multi-Family 5+ Units

Multi-Family 5+ Unit commercial mortgage financing is designed for borrowers looking to purchase or refinance a property that has 5+ e units, such as an apartment complex or multi-family dwelling. These loans can be used to finance the acquisition, renovation, or construction of a multi-family property and are typically offered by banks or private lenders. Multi-Family 5+ unit financing can be a great option for investors looking to generate rental income or expand their real estate portfolio. We have solutions for cash flow, cap rate, occupancy rate issues. 

Bank Statement Programs

Bank Statement Mortgage Programs are specialized home loan programs that allow self-employed individuals and small business owners to use their bank statements as proof of income. Bank Statement mortgages do not require the borrower to provide tax returns. The deposits are averaged to determine a borrowers eligiible income for the mortgage transaction. By using bank statements to demonstrate income, applicants can prove their ability to repay the loan, even if they have irregular income or no traditional paystubs.

AdobeStock_29816439 Blog copy Blog.webp

Close with confidence.

Mortgage Broker Insights

The Benefits of Working with Bennett Capital Partners, Your Local Mortgage Broker in Miami

If you're in the market for a new home, look no further than Bennett Capital Partners. Our personalized service, extensive network of lenders, and fast and efficient process set us apart from traditional banks and lenders. We take the time to understand your unique financial goals and tailor mortgage solutions to fit your specific situation. With our network of lenders, we can offer you more options and find the best rates and terms for your mortgage. Plus, our quick pre-approval process gives you the confidence to shop for your dream home.

 

Don't miss out on the benefits of working with Bennett Capital Partners. Click the link to learn more!

How To Get The Best Mortgage Rates In Florida

Discover the path to homeownership in the Sunshine State with our comprehensive guide on how to get the best mortgage rates in Florida. As you embark on the homebuying process, it's crucial to understand the impact of current mortgage rates, jumbo loans, credit scores, and the role of top lenders in the market. Whether you're a first-time homebuyer or a seasoned homeowner looking to upgrade, knowing the ins and outs of property taxes, flood insurance, and median home values will help you make informed decisions

 

Don't miss out on how to get the best mortgage rates. Click the link to learn more!

Discover helpful tips and

No Credit Check Hard Money Lenders: Get Approved Fast! To learn about the Hard Money programs that do not use credit to approve the loan. Click here to read the full article

Discover The Best Rental Loans For Your Investment Properties To learn about the different types of rental loans Bennett Capital Partners offers. Click here to read the full article

Common Reasons Your Mortgage Loan Gets Denied in Underwriting and What You Can Do To learn the common reasons mortgage loans get denied in underwriting. Click here to read the full article

Breaking Down The Basics: How Does A VA Loan Work? To learn more about how a VA Loan works and how to get approved for one. Click here to read the full article

Navigating the FHA Foreclosure Waiting Period: A Comprehensive Guide to learn more about the Foreclosure waiting periods through the FHA.  Click here to read the full article

7 Types of Conventional Loan Programs to Choose From to learn more about the 7 types of conventional loans and how they can help you.  Click here to read the full article

Understanding Fannie Mae Condo Guidelines: A Comprehensive Guide to learn more about fannie mae condo guidelines. Click here to read the full article

 

Warrantable vs Non-Warrantable Condos: Understanding the Key Differences to learn more about the differences between warrantable and non-warrantable condos. Click here to read the full article

Navigating the Fannie Mae Approved Condo List: How Bennett Capital Partners Can Help to learn more about how to get the best financing on a condo. Click here to read the full article

Jumbo Loans & Rates: Understanding the Factors That Affect Your Interest Rate to learn more about how to get the lowest rate on a Jumbo loan. Click here to read the full article

Florida Mortgage Rates: How To Get The Best Deal Possible to learn how to negotiate the best mortgage terms.  Click here to read the full article

A Comprehensive guide to getting a mortgage when you're self-employed to learn how to get a mortgage when you are self-employed. Click here to read the full article

Can I Get a Bank Statement Cash Out Refinance Loan? to learn how you can get cash out of your property with bank statement deposits. Click here to read the full article

 

Fannie Mae Homepath Program: Everything You Need to Know to learn how to get a Fannie Mae foreclosure property. Click here to read the full article

 

Fannie Mae HomePath Program: Your Key to Finding Your Dream Home to learn how to get financing on a Fannie Mae foreclosure property.  Click here to read the full article

 

Home Possible® Mortgage Income Limits & Guidelines to learn more about how this program can help you purchase your first home. Click here to read the full article

 

A Deep Dive into Fannie Mae's Condo Project Review Process to learn more about the Fannie Mae condo project review process. Click here to read the full article

 

Condo Loans: Everything You Need To Know to learn more about how this program can help you purchase your dream condo in Miami. Click here to read the full article

What Our Clients Say

Five Stars

Alex S. 

Philip was highly recommended to me and he did not disappoint. He was incredibly helpful and honest throughout the entire process, getting us the best program that matched our needs. We really didn't think we had a chance and luckily Philip …
bottom of page