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Lock in a low interest rate and enjoy steady monthly payments for the life of your loan—ideal if you plan to stay in your South Florida home long-term. Your principal and interest payment never changes, so budgeting is easy. (Just remember: property taxes and insurance can still go up over time.) Your Options 15-Year Fixed Pay off your home in half the time and save thousands on interest. Higher monthly payments, but you’ll build equity faster and own your home outright sooner. 30-Year Fixed Lower monthly payments, since you spread them out over a longer period. Pay more interest overall, but it’s easier on your monthly budget. How It Works Your interest rate and principal/interest payment stay the same—no surprises. Payments are based on your loan amount and the rate you lock in when you apply. No prepayment penalties—pay off your loan early any time, no extra fees. Taxes and insurance are separate and may adjust over time. Pro Tip: Fixed rate mortgages are great for South Florida buyers who want long-term stability and peace of mind.

VA loans are backed by the U.S. Department of Veterans Affairs and help military buyers purchase a home with 0% down. You can qualify for a fixed or adjustable rate mortgage, and there’s no monthly private mortgage insurance (PMI). Key Benefits Finance 100% of your home’s purchase price—no down payment required. Flexible credit and income requirements. Fixed and adjustable rate options (15, 20, 25, or 30 years). Jumbo VA loans available for higher-priced homes. Streamline refinance options for current VA borrowers. No prepayment penalties—pay off your loan early with no extra fees. How the VA Loan Process Works Make an offer on a home, then go through the VA loan approval process. The VA requires the home to meet certain habitability standards (VA appraisal and inspection). You may be responsible for closing costs, but these are often negotiable with the seller. Renovation VA loans may be available for homes needing repairs. Pro Tip: VA loans are a powerful benefit for South Florida’s military community—offering affordable, flexible homeownership with no down payment.

USDA loans are government-backed mortgages that allow you to buy a home with 0% down. Offered through private lenders and guaranteed by the U.S. Department of Agriculture, they’re designed for low- to moderate-income buyers purchasing a primary residence in eligible areas. Key Benefits Buy a home with no money down—keep more cash in your pocket. Flexible credit requirements, ideal for buyers with less-than-perfect credit. Fixed and adjustable rate options (15, 20, 25, or 30 years). No monthly private mortgage insurance (PMI). Available for new, existing, or even some homes needing renovation. Refinance up to 100% of your home’s value. Eligibility Household income limits apply (varies by location). Home must be your primary residence in a USDA-eligible area. Check property eligibility or ask me to run a quick address check for you! Ready to buy a home in South Florida with zero down payment? Contact me today to see if a USDA loan is right for you and get started!

A jumbo loan lets you borrow above the standard conforming loan limits—perfect for luxury home purchases or high-value properties in South Florida. Choose from fixed or adjustable rates and get the flexibility you need for larger loans. Key Benefits Finance homes above conventional loan limits—ideal for high-end real estate. Flexible options: fixed or adjustable rates. Competitive rates, even on large loan amounts. Personalized support to guide you through the more detailed approval process. Pro Tip: Jumbo loans are harder to get at many banks, but I can help you secure great rates and smooth approvals for your next luxury home purchase. Ready to finance your dream home in South Florida? Contact me today to explore your jumbo loan options and get started!

An FHA construction-to-permanent loan lets you buy land and finance your new home build with just one mortgage. No need to re-qualify or get a second appraisal after construction—everything is handled in a single, one-time close. Key Benefits Finance the lot, construction, and permanent mortgage with one loan. Max LTV up to 96.5% (FHA) for qualified buyers. No payments due during construction. Available for stick-built, modular, and manufactured homes. 15- and 30-year fixed rate options. No need to re-qualify after construction is complete. How It Works Work with a licensed general contractor to build your home. Funds are placed in escrow and released as construction progresses. After construction and final inspection, your loan automatically converts to a standard FHA mortgage. Required Documents Standard FHA documents plus a construction contract, land documentation, and construction rider. The builder must be a licensed GC. Final inspection or certificate of occupancy required before FHA mortgage insurance applies. Pro Tip: FHA construction loans are a great way to build your dream home in South Florida—even if you don’t have a big down payment or can’t find an existing home that fits your needs. Ready to build your new home in South Florida? Contact me today to get pre-qualified for an FHA construction loan and start planning your build!

An ITIN loan is a mortgage option for individuals who have an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number (SSN). ITINs are issued by the IRS to help non-citizens comply with U.S. tax laws, even if they’re not eligible for an SSN. Who Can Benefit from an ITIN Loan? Miami-Dade residents without an SSN Nonresident aliens, visa holders, or temporary residents Dependents/spouses of U.S. citizens or resident aliens Students, professors, and researchers needing to file U.S. tax returns Program Highlights Use for: Primary homes, second homes, or investment properties Property types: Single family, condos (including non-warrantable), townhomes, PUDs, 2–4 units Self-employed or W-2: Qualify with bank statements or traditional income docs Gift funds allowed: Great for first-time buyers and families helping each other Flexible LTV: Maximum loan-to-value depends on your credit profile and documentation Pro Tip: You don’t need a Social Security Number to own a home in South Florida! ITIN loans make homeownership possible for a wide range of non-citizen buyers and investors. Ready to explore your options? Contact me today for a free, confidential ITIN loan consultation and see how you can buy or refinance in South Florida

A reverse mortgage lets homeowners 62 and older convert home equity into cash—no monthly mortgage payments required. You keep ownership and can use funds for retirement, medical bills, or home improvements. Repayment is only due when you move out, sell, or no longer use the home as your primary residence. Who Qualifies? Homeowners age 62+ Own your home outright or have a low mortgage balance Live in the home as your primary residence Must complete a free HECM counseling session Key Program Details FHA-insured HECM available for single-family homes, 2–4 unit properties (one unit must be owner-occupied), HUD-approved condos, and qualifying manufactured homes No monthly principal & interest payments—just pay taxes, insurance, and upkeep Multiple payout options: lump sum, monthly payments, line of credit, or a combination Frequently Asked Questions Q: Will I still own my home? A: Yes, you keep title and ownership. Q: What happens to my heirs? A: Your heirs can inherit the home and any remaining equity after the loan is repaid. Q: How much can I borrow? A: Amount depends on your age, home value, interest rates, and FHA limits. Q: Can I get a HECM if my home isn’t FHA-financed? A: Yes, any eligible home qualifies regardless of original financing. Q: How do I get started? A: You must meet with a HUD-approved HECM counselor and work with an FHA-approved lender. Pro Tip: Avoid paying for referral services—use HUD’s free resources to find a lender or counselor. Ready to learn if a reverse mortgage is right for you or your family? Contact me for a no-pressure, personalized consultation, or get started with a free HECM counseling session.

Key Features & Benefits Nationwide Coverage: Available for investment properties in all 50 states. No Debt-to-Income Calculation: Your personal income and liabilities are not factored into approval. Close in Entity or Personal Name: Flexible ownership for investors and business structures. Property Income Docs Only: Qualify using property-related documentation, not your own pay stubs or tax returns. No Cash Flow Requirement: Unlike DSCR loans, the property doesn’t need to meet a minimum cash flow ratio. Ideal for Investors: Great for experienced real estate investors with complex finances or multiple properties. Pro Tip: No Ratio loans are a smart choice when you want speed, privacy, or flexibility—and can be a game changer for portfolio growth, especially if DSCR or conventional loans don’t fit. Ready to invest anywhere in the U.S.? Contact me to see if a No Ratio loan is right for your next investment property—no matter where you’re buying!

Qualify using 12–24 months of personal or business bank statements—no tax returns required. We average your deposits over the selected time period to determine your qualifying income. Perfect for businesses and entrepreneurs with strong, consistent cash flow. Available for both purchases and refinances, primary residences or investment properties. Who Benefits Most? Self-employed professionals, freelancers, and small business owners Borrowers with complex or non-traditional income Anyone whose tax returns don’t reflect their true earning power Pro Tip: We’re happy to review your bank statements and give you a realistic idea of your qualifying income—no obligation, no pressure. Ready to see how much home you can afford with a bank statement loan? Contact me today for a free review and personalized options—serving South Florida and all 50 states!

If saving for a big down payment feels out of reach, an FHA loan could be your solution. Backed by the Federal Housing Administration, these loans help first-time and repeat buyers get into a home with as little as 3.5% down—perfect for South Florida’s fast-moving market. What’s an FHA Loan? Government-backed mortgage with flexible guidelines. Lower down payment—just 3.5% if your credit score is 580 or higher. Great for buyers with limited savings or less-than-perfect credit. Key Benefits Easier qualification than many conventional loans. Fixed and adjustable rate options (15, 20, 25, or 30 years). No private mortgage insurance (PMI)—instead, a government-backed mortgage insurance applies. No prepayment penalties—pay off your loan early anytime. What You’ll Need Standard documents: employment history, appraisal, debt-to-income info. Minimum 3.5% down payment (10% if your credit score is under 580). Must be your primary residence. Pro Tip: FHA loans are a great way for South Florida buyers to get into a home sooner—even if you’ve been turned down elsewhere or don’t have perfect credit.

A 203k loan lets you buy a home that needs repairs and finance both the purchase and improvements in one loan. It’s backed by the FHA, so you benefit from flexible guidelines and a low down payment. Key Benefits Build equity quickly by upgrading and increasing your home’s value from day one. Buy homes that need work at a lower price, then renovate to your taste. Roll renovation costs into your mortgage—no need for separate loans or high-interest credit. Standard fixed-rate terms and one monthly payment. Great for buyers struggling to find move-in ready homes within their budget. How It Works Find a home in need of repairs or upgrades. Get approved for a 203k loan covering both the purchase price and renovation costs. Complete renovations after closing—then enjoy your upgraded home and built-in equity. Months later, you may be able to cash out on your new equity with a refinance. Ready to turn a fixer-upper into your perfect home and build equity fast? Contact me today to see if a 203k loan is right for you!

Start Your Journey With Confidence Buying your first home is exciting—and I’m here to guide you from pre-qualification to closing. I’ll help you get pre-approved for free, answer all your questions, and make sure you’re fully prepared at every step. Who Qualifies as a First-Time Home Buyer? If you haven’t owned a home in the past 3 years, you’re considered a first-time homebuyer—even if you’ve owned a home before. This means you may qualify for special programs and down payment assistance designed just for you. Loan Options for First-Time Buyers 30-Year Fixed Rate Mortgage: Lock in a low, stable payment for long-term peace of mind. FHA Loan: Buy with as little as 3.5% down—even with limited savings or less-than-perfect credit. VA Loan: Eligible veterans and military buyers can purchase with zero down and no PMI. Down Payment Assistance: Access year-round programs that can cover 3.5–5% down, with flexible guidelines and no income limits (minimum 600 FICO). Personalized Support You’ll get clear answers, guidance through the application process, and a loan tailored to your needs and budget—so you can focus on finding the perfect home. Ready to buy your first home in South Florida? Contact me today to get pre-approved and find out how much down payment assistance you qualify for!

Low Down Payment Options FHA Loan: Buy a home with just 3.5% down—even if your credit isn’t perfect. Note: mortgage insurance is required until you reach 20% equity. USDA Loan: Zero down payment required for eligible homes in rural and select suburban areas (income and location restrictions apply). VA Loan: Military veterans and eligible service members can buy with no money down and no PMI. Other Programs: Ask about special options like 80/20 loans and down payment assistance if you have unique needs or credit challenges. What to Consider Lower down payments mean higher monthly payments due to increased mortgage insurance and interest rates. You can remove mortgage insurance later by refinancing once you reach 20% equity. Less money out of pocket lets you keep cash for savings, investments, or home improvements. Pro Tip: Putting less down can help you buy sooner and start building equity now—especially in a rising market. Not sure how much to put down or which program is best for you? Contact me today for a custom plan that fits your budget and goals!

A reverse mortgage lets homeowners 62 and older convert home equity into cash—no monthly mortgage payments required. You keep ownership and can use funds for retirement, medical bills, or home improvements. Repayment is only due when you move out, sell, or no longer use the home as your primary residence. Who Qualifies? Homeowners age 62+ Own your home outright or have a low mortgage balance Live in the home as your primary residence Must complete a free HECM counseling session Key Program Details FHA-insured HECM available for single-family homes, 2–4 unit properties (one unit must be owner-occupied), HUD-approved condos, and qualifying manufactured homes No monthly principal & interest payments—just pay taxes, insurance, and upkeep Multiple payout options: lump sum, monthly payments, line of credit, or a combination Frequently Asked Questions Q: Will I still own my home? A: Yes, you keep title and ownership. Q: What happens to my heirs? A: Your heirs can inherit the home and any remaining equity after the loan is repaid. Q: How much can I borrow? A: Amount depends on your age, home value, interest rates, and FHA limits. Q: Can I get a HECM if my home isn’t FHA-financed? A: Yes, any eligible home qualifies regardless of original financing. Q: How do I get started? A: You must meet with a HUD-approved HECM counselor and work with an FHA-approved lender. Pro Tip: Avoid paying for referral services—use HUD’s free resources to find a lender or counselor. Ready to learn if a reverse mortgage is right for you or your family? Contact me for a no-pressure, personalized consultation, or get started with a free HECM counseling session.

Refinancing replaces your current mortgage with a new one—often at a lower rate or with better terms. This can reduce your monthly payment, shorten your loan term, or even put cash in your pocket. Top Reasons to Refinance Lower Your Monthly Payment: Take advantage of today’s competitive rates and keep more money in your budget. Consolidate High-Interest Debt: Roll higher-interest debts into your mortgage for one low payment and a chance to boost your credit score. Pay Off Your Home Faster: Switch to a shorter loan term and save thousands in interest—sometimes with only a small change in your monthly payment. Access Cash: Use your home’s equity for renovations, emergencies, or investments. Is Now the Right Time to Refinance? Rates are still historically low—locking in a lower rate could mean big long-term savings. Life changes, credit improvement, or a need for cash may all be good reasons to consider refinancing. Pro Tip: Even if your credit isn’t perfect, there are refinance options available in South Florida. Ready to see how much you could save? Contact me today for a no-obligation refinance review and personalized rate quote!

A cash-out refinance replaces your current mortgage with a new, larger one—allowing you to take the difference in cash. You get a new loan, pay off your old mortgage, and pocket the extra funds to use however you need. Why Consider a Cash-Out Refinance? Access Cash for Any Purpose: Home improvements, college, medical bills, or investments. Consolidate Debt: Pay off high-interest credit cards or loans with a lower-rate mortgage. Potentially Lower Your Rate: Refinance to a better rate and get cash at the same time. Flexible Options: Available for primary homes, second homes, and investment properties in South Florida. Pro Tip: You may be able to access more cash if your home has increased in value or you’ve paid down your mortgage. Curious how much cash you could get from your home? Contact me today for a quick cash-out refinance review and see your options!

Your CPA prepares a year-to-date Profit & Loss statement and writes a letter describing your business operations. We use these CPA documents as your income verification—no need for tax returns, pay stubs, or bank statements. Available for both primary residences and investment properties. Perfect for purchases or cash-out refinances. Who Benefits Most? Self-employed business owners, freelancers, and entrepreneurs Borrowers with complex income or who can’t qualify using traditional documentation Investors seeking a simple path to financing Pro Tip: Many self-employed clients appreciate the simplicity and privacy of the CPA P&L program—especially when other lenders say “no.” Ready for a simpler path to homeownership or cash-out? Contact me today to see if a CPA P&L loan is right for your next purchase or refinance in South Florida or anywhere in the U.S.!