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Residential Home Loans — South Florida Quality Mortgage
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Direct Lender & Mortgage Broker

Residential Home Loans in South Florida

Purchase or refinance your home with access to more loan programs than any single bank. As both a direct lender and mortgage broker with access to many wholesale banks including Fannie Mae and Freddie Mac programs — we find the right loan for you.

All Sizes
No minimum or maximum
50+
Wholesale bank partners
23+
Years experience
Get Pre-Qualified Today Call 954-455-7625

Get Pre-Qualified Today

Response time 24 hours or less — usually same day.

No obligation. No credit pull. NMLS #376794

All
Loan sizes accepted
50+
Wholesale bank partners
Purchase
& refinance available
23+
Years in Florida
Loan Programs

Residential Loan Options

We have access to more loan programs than any single bank — from government-backed loans to non-conforming options for borrowers who don’t fit the standard mold.

FHA Loans

Low down payment options starting at 3.5%. Ideal for first-time homebuyers or borrowers with less-than-perfect credit.

VA Loans

Zero down payment for eligible veterans and active military. One of the best loan programs available — we help you use it.

Conventional Loans

Fannie Mae and Freddie Mac programs with competitive rates. Down payments as low as 3% for qualified borrowers.

Jumbo Loans

Financing above conventional loan limits for higher-priced properties. Competitive rates through our wholesale bank network.

Non-QM / Non-Conforming

Self-employed, foreign nationals, or complex income situations. We have programs where traditional banks say no.

Cash-Out Refinance

Tap your home equity for renovations, debt consolidation, or any other purpose. Access your equity at competitive rates.

Our Advantage

Why More Options Means a Better Rate

Walking into a single bank means you get their one rate. Working with us means we shop many wholesale lenders to find the best fit for your situation.

Access to Many Wholesale Banks

We work with a wide network of wholesale lenders including Fannie Mae and Freddie Mac programs — more options means more competitive pricing for you.

We Are Also a Direct Lender

For loans we originate ourselves, decisions are made in-house — faster approvals and more flexibility than going through a traditional bank.

We Service Every Loan We Close

You deal with us from application to your final payment. No surprise transfers to unknown servicers after closing.

23 Years in South Florida

We know this market, these appraisers, and these title companies. That local experience means smoother closings.

How It Works

From application to closing

We make the mortgage process as simple and straightforward as possible.

1

Apply or Call

Fill out our short form or call us. We respond same day — usually within the hour.

2

Pre-Qualification

We review your situation and identify the best loan programs available for your needs.

3

Loan Processing

We handle the paperwork and coordinate with underwriting to keep your loan on track.

4

Close & Move In

We guide you through closing and stay with you as your loan servicer after closing.

Common Questions

Residential Loan FAQs

Answers to the questions we hear most often from homebuyers and homeowners.

What is the difference between a mortgage broker and a direct lender?
A direct lender funds loans with their own money and makes their own decisions. A mortgage broker shops your loan to multiple wholesale banks to find the best rate. We are both — giving you the benefits of each depending on your situation.
How much down payment do I need?
It depends on the loan program. FHA loans require as little as 3.5% down. VA loans require zero down for eligible veterans. Conventional loans can go as low as 3% down. We will help you find the program that fits your financial situation.
Can I get a mortgage if I am self-employed?
Yes. We have access to Non-QM loan programs specifically designed for self-employed borrowers, business owners, and those with non-traditional income. Call us to discuss your situation.
What credit score do I need to qualify?
Requirements vary by loan program. FHA loans can qualify with scores as low as 580. Conventional loans typically require 620 or higher. We have programs for a wide range of credit profiles — call us to discuss your specific situation.
How long does the mortgage process take?
A typical purchase loan closes in 21 to 45 days depending on the loan type and property. Refinances can sometimes close faster. We will give you a realistic timeline once we review your file.
Do you offer refinancing?
Yes — we offer rate and term refinances to lower your rate or change your loan term, and cash-out refinances to access your home equity. Call us to see if refinancing makes sense for your situation.

Ready to Buy or Refinance?

Call us or apply online — we respond same day, usually within the hour.
No obligation. No credit pull.

Call (954) 455-7625 Apply Online