Loan programs
From investor-focused DSCR loans to foreign national and ITIN programs, we match each borrower to the lender and program built for their situation.
Foreign National Loans
For non-U.S. citizens buying or refinancing property without U.S. credit history.
Learn moreITIN Loans
For borrowers who file taxes with an ITIN instead of a Social Security number.
Learn moreSelf-Employed Loans
P&L and 1099-based income programs for business owners and contractors.
Learn moreJumbo & Non-Warrantable Condo Loans
High loan amounts and condo buildings that don’t meet conventional lending rules.
Learn morePhysician & Professional Loans
Low or no PMI options for physicians, dentists, and other licensed professionals.
Learn moreBridge Loans
Short-term financing that lets you buy your next home before selling the current one.
Learn moreCash-Out Refinance
Refinance your current loan and take the difference in equity as cash.
Learn moreNo-Ratio & Foreclosure Bailout Loans
Approval based on credit and equity rather than a debt-to-income calculation.
Learn moreWhat working with us looks like
A straightforward path from first conversation to closing.
Tell us your situation
A short conversation about your income, property, and timeline — no documents required yet.
We match a program
We compare lenders and programs to find the one that fits your situation, not the other way around.
Underwriting
We handle documentation and keep you updated at every step, so there are no surprises.
Closing
Sign, fund, and close — with timelines that match the program you chose.
Frequently asked questions
We focus on non-QM and investor programs — DSCR, foreign national, bank statement, ITIN, and jumbo/condo financing — alongside standard bridge, hard money, construction, and commercial loans, for clients across Miami-Dade, Broward, and Palm Beach counties.
A broker has access to many lenders at once, which means more program options and a better chance of approval for income situations, property types, or timelines a single bank might decline.
Yes. Bank statement and profit-and-loss programs qualify you using 12–24 months of deposits or a CPA-prepared P&L instead of tax returns.
A Debt Service Coverage Ratio loan qualifies you based on a rental property’s income rather than your personal income — built for investors buying or refinancing rental property.
Yes, through our foreign national program, which is built specifically for buyers without U.S. credit history or a Social Security number.
Yes. Our team speaks English, Spanish, and Portuguese, so you can go through the entire process — from the first conversation to closing — in the language you're most comfortable with.
Timelines vary by program — hard money and bridge loans can close in days, while standard purchase and refinance loans typically close in 18–30 days depending on documentation.
Start a conversation
Tell us a bit about what you’re looking to finance and we’ll follow up personally.
Thanks — we’ll be in touch.
A member of our team will follow up shortly to talk through your loan options.