The right financing starts with the right questions.

Buying a home

Core purchase loans, first-time buyer help, and ways to lower the upfront or early cost.

• Conventional Loans — Conventional home loans for South Florida buyers and owners: 2026 conforming limits for Palm Beach, Broward and Miami-Dade, down payment and PMI basics.
• Jumbo Loans — Jumbo mortgages for South Florida homes above the 2026 conforming limit of $832,750 in Palm Beach, Broward and Miami-Dade. Reserves, condos and more.
• First-Time Home Buyer Loans — First-time home buyer loans in South Florida: low down payment options, Florida Housing programs, condo tips and a clear path from preapproval to keys.
• Down Payment Assistance — Florida down payment assistance: Florida Housing programs, Hometown Heroes and Palm Beach, Broward and Miami-Dade county help for eligible home buyers.
• Seller-Paid Rate Buydown — How a seller-paid buydown can lower your early payments on a South Florida home. Temporary vs. permanent buydowns, seller credit limits and builder offers.

Government-backed loans

FHA, VA, and USDA loans, insured or guaranteed by a federal agency and made by approved lenders.

• FHA Loans — FHA home loans in South Florida: low down payment, flexible credit, FHA condo approval and Palm Beach, Broward and Miami-Dade loan limits explained.
• VA Loans — VA home loans for Florida veterans and service members: no down payment for eligible buyers, funding fee basics, condos and South Florida tips.
• USDA Loans — USDA guaranteed home loans in Florida: eligible rural areas outside the South Florida coast, income limits and how to check a property's eligibility.

Refinancing

Replace a current mortgage to change the rate or term, or take cash out of your equity.

• Mortgage Refinance — Refinance your Florida mortgage to change your term, drop mortgage insurance or move off an adjustable rate. Honest break-even math, no pressure.
• Cash-Out Refinance — Turn South Florida home equity into cash with a cash-out refinance. Compare it with a HELOC, see Florida closing costs and plan for the long term.

Home equity

Borrow against the equity you already have, with or without replacing your first mortgage.

• HELOC (Home Equity Line of Credit) — Home equity lines of credit for South Florida homeowners: borrow against equity while keeping your first mortgage. Draw and repayment periods explained.
• Reverse Mortgage (HECM) — FHA-insured reverse mortgages for Florida homeowners 62 and older: how a HECM works, required counseling, HECM for Purchase and 2026 HUD limits.

Investor loans

Rentals, DSCR loans qualified on the property's cash flow, and short-term fix and flip financing.

• Investment Property Loans — Financing for South Florida rental properties: conventional investment loans, rental income rules, condo and HOA rental limits, and when DSCR fits better.
• DSCR Loans — DSCR loans for Florida real estate investors: qualify on rental cash flow instead of tax returns. How the ratio works, LLC closings and South Florida tips.
• Fix and Flip Loans — Short-term fix and flip financing for South Florida investors: purchase plus rehab funding, draws, timelines and how lenders look at after-repair value.

Self-employed and non-QM

Loans for income or borrowers that do not fit standard agency documentation rules.

• Bank Statement Loans for the Self-Employed — Bank statement mortgages for self-employed Florida borrowers: qualify on deposits instead of tax returns. How income is figured and what to prepare.
• No-Doc and Non-QM Loans — Non-QM mortgages in South Florida: asset depletion, 1099, P&L-only and other alternative documentation loans for borrowers who don't fit the usual mold.
• Foreign National Loans — Mortgages for foreign nationals buying in South Florida: no U.S. credit history needed with some lenders, documents to prepare and Florida rules to know.

Construction, renovation, and bridge

Build, renovate, or buy before you sell, with financing structured around the project.

• Construction Loans — Home construction loans in South Florida: one-time close and construction-to-perm options, builder approval, draws and Florida Building Code planning.
• Renovation Loans — Buy or refinance a South Florida home and finance the repairs in one loan: FHA 203(k), Fannie Mae HomeStyle and Freddie Mac CHOICERenovation.
• Bridge Loans — Bridge loans for South Florida buyers who want to buy before they sell: use equity in your current home, make a stronger offer and avoid moving twice.

Get my rate

Share your goal, price or loan amount, credit range, timeline, and state, and Justin will follow up personally with real options. Sending the form does not run your credit and is not a rate quote.