We fund every loan from our own capital, which means no broker markup on your rate. 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 hand your file off to a broker or bank that's never talked to you and adds its own markup to your rate. We fund the loan ourselves and stay with you from application to closing, 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 verify your income, assets, and credit for a real, documented 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.
→Low down payment options, gift funds allowed, and specialists who work exclusively with first-time buyers.
→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 verify your income, assets, and credit 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, so there's no bank middleman marking up your rate. Once your file is complete and the appraisal is in, we move fast.
It depends on your income, debts, credit score, and down payment, not just the price you see listed. We calculate your true affordable range during pre-approval, factoring in taxes, insurance, and HOA fees so there are no surprises later.
No. Getting pre-approved first actually puts you in a stronger position to work with an agent, since you'll know your budget upfront. If you need an agent referral, we can connect you with one in your area.
Typically pay stubs, W-2s or tax returns, bank statements, and a photo ID. Self-employed borrowers may use bank statements instead. We'll give you a checklist tailored to your specific situation before you start.