Financing

Mortgage options for residents and foreign investors. We help you structure a clear, viable, and strategic purchase.

Mortgage options for residents and foreign investors. We help you structure a clear, viable, and strategic purchase alongside experienced mortgage loan officer Ricardo Suarez.

Foreign National Mortgage Programs

Financing real estate in Florida as an international buyer is a streamlined, transparent process:

Down payment options starting from 25% to 30% of purchase price.
No established US credit history or FICO score required.
No US tax return verification needed for foreign borrower programs.
Straightforward documentation: valid passport, visa, CPA income letter, and bank reference letters.
Bilingual loan processing and consultation from start to closing.

Financing for US Residents

Competitive loan products for primary homebuyers and local portfolio investors:

Conventional and FHA loan options with down payments starting at 3.0% to 3.5%.
DSCR (Debt Service Coverage Ratio) investor loans qualifying solely on the property's projected rental cash flow.
Refinancing options to lower monthly payments or extract equity for new acquisitions.

Step-by-Step Financing Journey

1. Initial financial assessment -> 2. Pre-approval letter issuance -> 3. Loan product selection -> 4. Document submission -> 5. Underwriting and property appraisal -> 6. Final closing and funding.