Fort Lauderdale Mortgage Broker, FHA to Jumbo, Since 1997

A bank has one set of guidelines and one shelf of loans. Fit the guidelines and you're approved. Miss them and it's a no, with nowhere else in the building to send you. We're independent, so we take the same application to a range of wholesale lenders and go with whoever prices it lowest or is most likely to approve it. We've done this in Florida long enough to know which lenders read self-employed income fairly, and which ones can still close when the date's tight. Call us and the person who answers already knows your loan.

580 with 3.5% down. 500 with 10% down. Those are FHA's own numbers. Plenty of banks bury them under a higher cutoff of their own, usually 620 or 640, because it's easier on their end. We work off FHA's guidelines and shop the loan out, so a high-500s or low-600s score is workable. A 620 is comfortably in range, and stronger credit gets you better pricing. Lower than that is still worth a call.

Then you've got more lenders competing for your loan, and we hand you the lowest quote of the bunch. FHA, conventional, VA, and jumbo are all on the table, and you still work directly with a broker who's closed these since 1997.

Worth a second opinion before you call it quits. A bank only sells its own loans under its own rules. When they say no, that's one lender saying no, and there are plenty of others. We can take the same application to lenders you can't get to on your own, with guidelines that may suit you better. Sometimes that flips a bank's no to a yes. Other times it's a couple of specific things to clean up first, and we'll tell you exactly what.

Often you can. An open collection doesn't automatically sink an FHA loan. After a bankruptcy or foreclosure there's a set waiting period, and once it's up you can qualify again. How your collections get handled, and the exact date you can buy, depends on what happened and when. Call us and we'll pin that date down and tell you what to do between now and then.

FHA, including a 100%-financing option that stacks a 3.5% first mortgage with down-payment assistance, built to get you to closing with nothing out of your pocket. We also handle conventional, VA, and jumbo loans, Florida Hometown Heroes, 203k renovation loans, and DSCR loans for investors, on purchases and refinances. On the first call we'll walk you through your numbers and point you to the loan that fits.

You don't need to send documents or fill out a form to get an answer. Call or text, tell us what you're buying and where your credit is, and you'll have an answer before we hang up.