Your buying journey starts here.
Get a free estimate of your monthly payment and a pre-approval before you make an offer, so you can shop with confidence.
How soon do you want to buy?
I'm ready, I've found a home I'm starting to look at homes I'm just researchingEvery buyer's path is different
First-time home buyer
Learn what you can afford, what you'll need and how the process works, step by step.
Vacation or second home
Financing for a getaway or seasonal home in Florida or Texas.
Downsizing or moving up
Use your current home's equity toward your next one.
Investing in real estate
DSCR and other investor loans that look at the property's income.
Remodel or build
Options that cover the purchase and the work, or the build.
Experienced buyer
You know the drill. Let's get you a fast, competitive pre-approval.
Found a home and ready to go?
- ApplyA short application, online or by phone.
- Upload documentsPay stubs, bank statements, or what your program needs.
- Pre-approvalKnow your numbers before you offer.
- Get in contractCall 786-717-8184 as soon as your offer is accepted.
- CloseAppraisal, underwriting and closing, handled with you.
You're not supposed to be a mortgage expert
How much do I need for a down payment?
It depends on the loan. VA loans can require no down payment for eligible veterans, FHA loans start at 3.5% down, and many conventional loans start at 3–5%. We'll find the option that fits your savings.
Will I qualify?
Your credit, income, debts and savings all play a part, and there are programs for many situations, including self-employed buyers. A quick conversation is the fastest way to know.
How long does it take to close?
Many purchases close in about 30 days once you're in contract. Getting pre-approved first helps keep things on schedule.
What's the difference between pre-qualified and pre-approved?
A pre-qualification is an estimate based on what you tell us. A pre-approval reviews your documents and credit, so sellers take your offer more seriously.
Ready to talk about your options?
One call, honest numbers, no pressure.