LOW MORTGAGE RATES
AND GREAT SERVICE

I offer a comprehensive range of home loan programs for borrowers throughout the entire state of Florida, including FHA loans, self-employed and bank statement loans, conventional loans, jumbo loans, DSCR and investor loans, refinancing, HELOCs, VA loans, down payment assistance (DPA) programs, USDA loans, and reverse mortgages. As a licensed mortgage broker with NEXA Lending, LLC, I have access to hundreds of wholesale lenders, so I can match you to the right program for your unique situation, not just whatever a single bank happens to offer.

Start with a free consultation! The first step is a mortgage pre-approval, which tells you exactly how much home you can afford and shows sellers you're a serious, qualified buyer. Many first-time buyers across Florida also qualify for down payment assistance programs that can cover some or all your down payment and closing costs. I'll walk you through every step, from your initial credit review all the way to closing day, at no cost and with no obligation. I serve first-time buyers in every county across the state of Florida.

Yes- and this is an area I have significant experience with. Many self-employed borrowers, freelancers, and business
owners believe they can't qualify for a home loan because their tax returns show limited income. With bank statement loan programs and other alternative income documentation solutions, homeownership is absolutely within reach. I help self-employed clients across all of Florida find the right loan program for their unique financial picture.

Conventional loans follow standard lending guidelines and are available to a wide range of borrowers, typically
requiring a credit score of 620 or higher with a down payment as low as 3%. Jumbo loans are for purchase prices that exceed conventional loan limits and are ideal for buyers purchasing highervalue properties throughout Florida. I'll help you determine which loan type fits your purchase price, credit profile, and financial goals.

A DSCR loan -Debt Service Coverage Ratio loan - is a mortgage program designed specifically for real estate investors. Instead of qualifying based on your personal income or tax returns, approval is based on the property's ability to generate enough rental income to cover its debt obligations. If the property's rental income covers or exceeds the monthly mortgage payment, you may qualify, even without traditional income documentation. This is a powerful financing tool for investors to build or expand a rental portfolio anywhere in Florida.

Yes. In addition to DSCR loans, I work with a variety of investor-focused mortgage solutions including investment
property conventional loans and portfolio loan programs. Whether you're purchasing your first rental property or growing an existing real estate investment portfolio in Florida, I can help you identify the most cost-effective financing strategy for your goals.

A refinance replaces your existing mortgage with a new loan- typically to lower your interest rate, reduce your monthly payment, or change your loan term. A cash-out refinance also lets you access your home's equity as cash. A HELOC (Home Equity Line of Credit) is a revolving line of credit secured by your home's equity that you can draw from as needed, like a credit card. I'll help you evaluate which option makes the most financial sense for your situation.