We fund every loan from our own capital, which means no broker markup and no third-party approval chain. One loan officer, start to finish.
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The whole process was VERY easy and fast. Hernan Prada was friendly and really supportive throughout the whole process. Would 1000% recommend to anyone looking to buy a home!
Sebastian M.Huge shoutout to David and the team for answering every question in a friendly and efficient manner. Never thought I'd be able to obtain a home, and just yesterday I received the clear to close. These guys are professionals. Highly recommend!
Derek R.Most lenders take your application and hand it off to a wholesale bank. That introduces delays, markups, and a third party that doesn't know your file. We keep the loan from application to funding, which is why our average close is 21 days.
No markup between you and the money. The rate we quote at the start is the rate you sign at closing.
We run full underwriting, a real verified pre-approval, not a quick estimate. That distinction matters when listing agents are deciding which offers to take seriously.
No broker markup on your rate. What we quote up front is what you pay at the table.
You're not handed off between departments. The person you talk to on day one is the same person who calls you on closing day.
Best rates for W-2 borrowers with solid credit and stable employment. As low as 3% down.
→3.5% down. Government-backed. Works for most credit profiles, including scores below 680.
→Use 12–24 months of deposits instead of tax returns. Built for 1099 earners.
→Financing above conforming limits. For luxury and high-value properties across Florida.
→Grants, MCC tax credits, and down payment assistance. We match you with every program you qualify for.
→Takes about 10 minutes. We ask about your income, goals, and what kind of property you're looking for. No documents needed at this stage.
We run full underwriting and issue a pre-approval letter. Listing agents in Florida know the difference between a real pre-approval and a soft-pull estimate, and it shows when you're making offers.
Once your offer is accepted, we start processing right away. Your loan officer coordinates the appraisal, title, and document requests so you're not managing it all yourself.
Because we fund from our own capital, there's no waiting on a third-party bank to approve the wire. Average time from application to funded is 21 days.
Start with a pre-approval. It takes about 10 minutes, costs nothing, and tells you exactly what you can afford. Your loan officer will then walk you through which program fits your situation. You don't need to figure that out on your own.
No. That's our job. You tell us your situation: income, savings, credit, and we'll match you with the right program. Most buyers don't know the difference between FHA and conventional until we explain it, and that's completely fine.
Most buyers close in 21 days. We fund every loan ourselves, no bank middleman, no third-party delays. Once your file is complete and the appraisal is in, we move fast.
Mon–Fri, 8 AM–6 PM ET
Response within one business day
→Takes about 10 minutes. No documents required upfront.
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