Residential & Commercial 
Mortgage Programs

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 Fannie Mae and Freddie Mac, 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 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 loans 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 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 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, 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. 

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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 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 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. 

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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 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 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 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 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 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. 

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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. The most popular keywords associated with hard money loans include collateral, loan-to-value ratio, and exit strategy. At our company, we specialize in providing hard money loan options to borrowers looking for alternative financing solutions. 

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. 

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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.

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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.

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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 ofr people with low credit score, debt-to-income ratio issues, recent forclosure and bankruptcy. 

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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 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.

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