Qualify Today - DAK Mortgage

Qualify Today For Your Residential Or Commercial Loan

As A Mortgage Broker, We Give You Extensive Options

Why Choose DAK Mortgage?

We have 20 years of experience in securing loans for unique situations.

Unlike banks, which offer limited options, we offer a wide variety of lending products that can be tailored to your specific situation.

You don’t have to waste your time and energy shopping at different lenders; we do the legwork for you.

Feeling Trapped By Traditional Lending Criteria?

We specialize in helping individuals who were previously denied by a traditional lender.

We connect our clients with flexible, alternative mortgage options.

Alternative mortgages include jumbo and super jumbo loans, loans that allow minimal income documentation, loans for high-net-worth individuals with tricky finances such as self-employed borrowers or new professionals, and loans for properties with non-standard features such as non-warrantable condominiums.

Alternative Loans

Known as non-qualified mortgages (non-QM), alternative loans are ideal for borrowers who don’t fit traditional lending criteria
Issues such as high debt-to-income ratio, or non-warrantable condos, are no longer a hurdle

No-Ratio Loans

Your debt-to-income ratio is not a factor, and you don’t have to verify your income or employment
Ideal for complex or unconventional income sources
Must be for a primary residence or second home

Self-Employed Loans

Tax returns are not required
We accept alternative income documentation such as bank statements and profit-and-loss statements

Foreign National Loans

We help non-U.S. citizens purchase or refinance real estate located in the United States
Our past clients hail from Argentina, Brazil, Canada, Germany, Jamaica, Mexico, Spain, the United Kingdom, and Venezuela

DSCR Loans

Need to purchase or refinance a rental property?
Under the debt service coverage ratio (DSCR) program, the lender focuses on the cash flow of the property, not your personal income
No tax returns required

Bridge Loans

Bridge loans give you a quick closing
These short-term financial solutions (typically 1-2 year terms) allow you time to find longer-term financing
Also known as hard money loans, the lender focuses on the value of the property

Loans for High-Net-Worth Individuals

HNWIs tend to have fluctuating income streams and may have their wealth tied up in non-liquid assets
We offer sophisticated niche programs for HNWIs such as the asset depletion program

Loans for Healthcare Workers

Physicians, dentists, pharmacists, nurses and other medical professionals can enjoy attractive loan features
Low down payment (0% is available), competitive interest rates, flexibility regarding student loan debt

Loans for Entrepreneurs

Attention majority business owners, executive management team members, and high-income earners
Enjoy attractive loan features such as down payments as low as 5% and loan amounts up to $3M

Jumbo Loans

Need a loan amount greater than $806,500?
We offer large dollar amount loans for luxury properties
Our jumbo loans are flexible and cover all situations, including self-employed and non-warrantable condos

Super Jumbo Loans

Need a loan amount greater than $3M?
We specialize in super jumbo loans and offer the best of both worlds: high loan amount and high loan-to-value (up to $7.5M at 80% LTV)

Cash-Out Refinance

Do you have good equity in your property?
A cash-out refinance may be the ideal solution to fund renovations, purchase another property, pay down high-interest debt, or pay college expenses

Non-Warrantable Condominium Loans

If the property you want to purchase or refinance is a non-warrantable condo, we can help
Whether the association’s budget has inadequate reserves or there is construction defect litigation, we have flexible lenders who specialize in problematic condos

Short-Term Rental Property Loans

Traditional lenders shy away from Airbnb and condotel properties
Our alternative lenders have flexible underwriting guidelines that accept short-term rental income streams

Investment Property Loans

Whether you’re a first-time investor or an experienced investor with a portfolio of rental portfolios, we have a broad range of loans for investment properties
Our loans for non-owner-occupied properties include DSCR loans, bank statement loans, rental portfolio loans, bridge loans, and foreign national loans

Home Construction Loans

Need ground-up construction funding for your own home or for an investment property?
We offer construction-to-permanent loans as well as construction-only loans

Foreclosure Bailout Loans

Avoid foreclosure with a bailout loan
A special type of bridge loan, foreclosure bailout loans are short-term solutions to save your property while you get back on your feet

Commercial Real Estate Loans

We also offer mortgage loans for commercial real estate properties such as multifamily, mixed-use, office, retail, and special-purpose properties
Our creative CRE programs include small-balance loans and foreign national loans

High Dollar Loan For Foreign National

Securing financing for a non-warrantable condo as a foreign national buyer can be extremely challenging – but not impossible with the right mortgage broker on your side. Watch how DAK Mortgage helped a non-U.S.-citizen client from Argentina purchase a $2,630,000 new construction condo in Hollywood, Florida.