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Mortgage & Financing in South Florida
Loan options for every kind of buyer — residents, first-timers, foreign nationals, and ITIN borrowers. Plan your purchase before you shop. In English, Portuguese, or Spanish.
Why pre-approval comes first
Pre-approval tells you exactly what you can spend and tells sellers you're a serious buyer. In a competitive market, an offer backed by a pre-approval letter beats one that isn't — often regardless of price.
It costs nothing to get, and it turns your search from guessing into targeting. Start there before you tour a single home. Get pre-approved.
Loan types
Conventional
Standard financing for residents with US credit.
FHA
Lower down payment, first-time-buyer friendly.
Foreign-National
For non-residents without US credit.
ITIN
For buyers using an ITIN instead of an SSN.
DSCR / Investor
Qualifies on the property's rental income.
Jumbo
For luxury price points above conforming limits.
What lenders look at
Down Payment
More down usually means better terms.
Income & Assets
Docs proving you can carry the loan.
Credit or Foreign Equivalent
US credit, or references from abroad.
Property Type
Condo, single-family, or investment.
The real monthly cost
Principal and interest are only part of the picture. In South Florida, property taxes, insurance, and HOA or condo fees add hundreds a month. Run your real number with my mortgage calculator before you commit.
