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Unlock Your Miami Home—No Perfect Credit or Huge Down Payment Needed

We’ve helped dozens overcome credit and down payment hurdles—going from “I don’t know if I can” to “I closed!”

a balc family with keys in front of new house with nkeys and a sign just closed

“Clients who struggled for years to achieve their dream of homeownership. Once referred by their realtor, we closed their loan in just 16 days.”

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Does your situation feel unique or complicated? Let’s chat—book a no-obligation 15-minute call and discover what’s truly possible for you.

Common situations buyers face in South Florida, 
If you can relate to any of these situations, you are in the right place. 
 
  • Feeling Stuck: “You’ve worked hard, but homeownership always seems just out of reach.”

  • Rising Rents: “Every year, rent goes up—but you’re not building equity or stability for your family.”

  • Credit Challenges: “Banks and lenders have turned you down, making you feel like your credit mistakes will haunt you forever.”

  • Lack of Guidance: “The mortgage process feels confusing and overwhelming, with no one taking the time to explain your options.”

  • Fear of Rejection: “You’re worried about wasting time and money, only to be told ‘no’ again.”

  • Not Enough Savings: “You don’t have a huge down payment saved and feel like you’ll never catch up.”

  • Self-Employment Struggles: “You work for yourself, but lenders don’t seem to understand your income or your situation.”

  • Watching Others Succeed: “You see friends and family buying homes, while you’re still waiting for your chance.”

  • Uncertainty and Stress: “You want to provide for your family, but the process feels risky and stressful.”

If any of this sounds familiar, you’re not alone. Many of my clients have faced these same challenges—and today, they’re proud homeowners.

Your goals are achievable. 
My Favorite quote: "Audentes fortuna iuvat — Fortune favors the bold."
Every bold move you make today brings you closer to the life you want tomorrow.

Why work with me?

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“Buying a home is like putting money in a savings account. Renting is the same; however, the home is not yours!”

Hubert "Kerby" JEAN
Loan Officer NMLS 2514581
Realtor  MLS 3544862

I close loans 93% of Loan Officers shy away from.

  • Fast pre-approvals—even with credit challenges or self-employment

  • Down payment assistance programs

  • Bilingual support (English, Creole)

  • Honest guidance from pre-approval to closing

  • Local expertise across South Florida

  • Solutions tailored to your situation. We understand it's not one-size-fits-all. 

Book your free consultation for tailored guidance.

We know you might need a little time to get everything in order—and that’s okay. We’ll walk with you through every step, right up to the moment you get your keys.

Sometimes, speed isn’t everything. (And that’s coming from a guy known for getting deals closed fast!) True speed comes from patience and strategic planning—the foundation for every success story.

Real Clients -Real Stories - Real Achievements

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