Built for borrowers who do not fit the default box.
The two programs that usually unlock the files banks misread: business-owner income and investment-property cash flow.
Buy the house your tax return says you can't.
Bank-statement, 1099-only and P&L mortgages for self-employed Floridians. 12 / 24 month options, no tax returns, as low as 10% down. Compare 40+ Non-QM lenders. NMLS# 2718409.
Qualify off the rent. Not your W-2.
DSCR loans for 1-4 unit investment property in Florida. Qualify off rent — no personal income docs. 20% down. Compare 40+ lenders. NMLS# 2718409.
Choose the structure first. Then shop the lender.
Every program page keeps the practical details up front: fit, lender requirements, real scenarios where available, and next-step comparison.
Specialty programs
Buy the house your tax return says you can't.
Bank-statement, 1099-only and P&L mortgages for self-employed Floridians. 12 / 24 month options, no tax returns, as low as 10% down. Compare 40+ Non-QM lenders. NMLS# 2718409.
Qualify off the rent. Not your W-2.
DSCR loans for 1-4 unit investment property in Florida. Qualify off rent — no personal income docs. 20% down. Compare 40+ lenders. NMLS# 2718409.
No SSN does not have to mean no path.
ITIN mortgage options for Florida borrowers who file taxes with an Individual Taxpayer Identification Number. Program availability depends on credit, income, assets, property, and underwriting. NMLS# 2718409.
Conventional
Above the conforming limit, below the noise.
Jumbo mortgages above the conforming limit in Florida. Programs to $3M+, low-down jumbo, asset-depletion, and self-employed jumbo. NMLS# 2718409.
The default — done well.
Conventional mortgages in Florida from 40+ lenders. 3% down, fixed and ARM. Compare side-by-side. NMLS# 2718409.
Government-backed
3.5% down. Credit from 580.
FHA mortgage in Florida. 3.5% down, credit scores from 580, government-backed. Compare FHA programs from 40+ lenders. NMLS# 2718409.
$0 down. No PMI. Earned.
VA mortgage in Florida for qualifying veterans. $0 down, no PMI, no loan limit. Compare VA lenders. Will Perez NMLS# 369929.
$0 down — if your address qualifies.
USDA mortgage for eligible rural Florida zones. $0 down, government-backed. Eligibility check first. Lend Labs NMLS# 2718409.
Refinance
Equity access
Pull equity. Or don't.
Cash-out refinance in Florida. Compare cash-out refi vs. HELOC math. Up to 80% LTV. NMLS# 2718409.
Keep the rate. Keep the cash.
HELOCs in Florida — keep your low first-lien rate, draw what you need. Compare HELOC vs cash-out refi math. NMLS# 2718409.
See your real options this week.
Send your scenario. We come back inside 24 hours with a real lender comparison: APR, payment, cash to close. If we cannot beat your current quote, we tell you straight.