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Residential Loans: Overview of Programs

We can help you find the right residential loan program to fit all your needs. If you answer “Yes” to any of the questions on this page, we welcome the opportunity to help you.
CALL NOW (321) 239-2781
home purchase loan

Purchase Loans

Are you looking to purchase your very first home? Or are you already a homeowner contemplating a move to a new neighborhood?

Refinancing

Are you interested in obtaining a lower interest rate on your current home mortgage and reducing your debt burden? Or, if your home has increased in value, are you interested in doing a cash-out refinancing and using the cash to pay for college tuition, go on a family vacation, invest in other real estate, or even start a business?

home refinance
foreign national loan

Non-U.S.-Citizen Financing

Are you a permanent resident with a green card, non-permanent resident with a work visa, or foreign national looking to purchase a second home, vacation home, or investment property in the United States?

Jumbo Loans

Are you interested in buying or refinancing a home in Florida with a loan amount in excess of $548,250 (one-unit), $702,000 (two-unit), $848,500 (three-unit), or $1,054,500 (four-unit)?

jumbo loan
investment property loan

Investment Loans

Is it your goal to invest in residential real estate with four units or less, for example, to be a fix-and-flipper or to generate rental income?

Book a call with us today

Book Consultation

Non-Warrantable Condominium Financing

Are you considering purchasing a condominium that does not meet Fannie Mae and Freddie Mac’s conventional guidelines (i.e., a “non-warrantable condo”)?

nonwarrantable condo
bad credit loan

Financing Despite Recent Credit Events

Did you recently go through a negative event that impaired your credit history (e.g., bankruptcy, short sale, foreclosure, or deed in lieu of foreclosure)? Curious to see if you still qualify for a loan?

Construction Loans

Do you have aspirations to design and build your dream home from the ground up?

home construction loan
home renovation loan

Renovation Loans

Are you ready to boost the value of your home by updating your kitchens or bathrooms, expanding your floor plan with a new addition, performing major repairs, or making total renovations?

David A. Krebs is a licensed mortgage broker with over 15 years of experience offering loan options beyond traditional banks

Call Now (321) 239-2781
Success Stories
$2M Loan for Green Card Holder to Purchase New Construction Condo

$2M Loan for Green Card Holder to Purchase New Construction Condo

June 3, 2021

$1.2M Cash-Out Refinance on Rental Portfolio of 9 Orlando Homes

$1.2M Cash-Out Refinance on Rental Portfolio of 9 Orlando Homes

May 28, 2021

First-Time Homebuyer Qualifies Based on Self-Prepared P&L Statement

First-Time Homebuyer Qualifies Based on Self-Prepared P&L Statement

May 20, 2021

Portfolio Loan for Argentinians to Purchase 3 Investment Properties in Fort Pierce, Florida

Portfolio Loan for Argentinians to Purchase 3 Investment Properties in Fort Pierce, Florida

May 10, 2021

Rate-and-Term Refinance for Self-Employed Borrower under 1-Year Tax Program

Rate-and-Term Refinance for Self-Employed Borrower under 1-Year Tax Program

May 6, 2021

Rate-and-Term Refinance on Agricultural Farm Home in Marion County, Florida

Rate-and-Term Refinance on Agricultural Farm Home in Marion County, Florida

April 30, 2021

Cash-Out Refinance Lowering Interest Rate from 15% to 2.625%

Cash-Out Refinance Lowering Interest Rate from 15% to 2.625%

April 28, 2021

Only 10% Down Payment on Condo Purchase Loan

Only 10% Down Payment on Condo Purchase Loan

April 19, 2021

Saved on the Courthouse Steps: Foreclosure Bailout Loan Closed 4 days before the Sale

Saved on the Courthouse Steps: Foreclosure Bailout Loan Closed 4 days before the Sale

April 18, 2021

2.875% Condo Loan for Green Card Holders to Purchase a Second Home in Miami

2.875% Condo Loan for Green Card Holders to Purchase a Second Home in Miami

March 27, 2021

2.875% Interest Rate for Miami Condominium Purchase

2.875% Interest Rate for Miami Condominium Purchase

March 25, 2021

$1.32M Refinance of Newly Constructed Key West Primary Residence – No Proof of Income Required

$1.32M Refinance of Newly Constructed Key West Primary Residence – No Proof of Income Required

February 12, 2021

Homebuyer Qualifies under Super Creative Program with No DTI Requirement

Homebuyer Qualifies under Super Creative Program with No DTI Requirement

February 11, 2021

Foreign National Loan for Jamaican to Purchase Investment Property in Miami, Florida

Foreign National Loan for Jamaican to Purchase Investment Property in Miami, Florida

February 11, 2021

Foreclosure Bailout Bridge Loan for Broward County Home

Foreclosure Bailout Bridge Loan for Broward County Home

February 4, 2021

$1.2M Jumbo Loan for Miami Beach Property

$1.2M Jumbo Loan for Miami Beach Property

January 29, 2021

Hard Money Loan for Permanent Resident Closed in Only 6 Days to Purchase $625k Condo

Hard Money Loan for Permanent Resident Closed in Only 6 Days to Purchase $625k Condo

January 25, 2021

Non-Warrantable Condominium Purchase under Streamlined Condo Review at 89.99% CLTV

Non-Warrantable Condominium Purchase under Streamlined Condo Review at 89.99% CLTV

January 21, 2021

Rate-and-Term Refinance to 2.875% for Prior Client

Rate-and-Term Refinance to 2.875% for Prior Client

January 13, 2021

Combo Loan at 81% CLTV at 2.75% for Newly Constructed Home

Combo Loan at 81% CLTV at 2.75% for Newly Constructed Home

December 17, 2020

Foreign National Loan for Brazilian to Purchase Investment Property in Aventura, Florida

Foreign National Loan for Brazilian to Purchase Investment Property in Aventura, Florida

December 15, 2020

Construction Loan to Build Spec Home in Stuart, Florida for Self GC’s First Project

Construction Loan to Build Spec Home in Stuart, Florida for Self GC’s First Project

December 4, 2020

$1.275 Million Refinance at 75% LTV under Bank Statement Loan Program

$1.275 Million Refinance at 75% LTV under Bank Statement Loan Program

November 30, 2020

Homebuyer Qualifies on Minimal Income Documentation under Super Creative Program

Homebuyer Qualifies on Minimal Income Documentation under Super Creative Program

November 1, 2020

Hard Money Loan for Foreign National Closed in Only 1 Week to Purchase $1.6 Million Condo in Florida

Hard Money Loan for Foreign National Closed in Only 1 Week to Purchase $1.6 Million Condo in Florida

October 27, 2020

Purchase Loan for $1.8 Million Florida Beach House Despite Negative Credit History

Purchase Loan for $1.8 Million Florida Beach House Despite Negative Credit History

October 24, 2020

Bank Statement Program at 80% LTV for Self-Employed Husband and Wife

Bank Statement Program at 80% LTV for Self-Employed Husband and Wife

October 5, 2020

80% LTV Purchase Loan for First-Time Homebuyer

80% LTV Purchase Loan for First-Time Homebuyer

September 24, 2020

85% LTV Purchase Loan for Second Home in Key Largo, Florida

85% LTV Purchase Loan for Second Home in Key Largo, Florida

September 11, 2020

Combo Loan at 88% CLTV for $980k Pinecrest, Florida Home

Combo Loan at 88% CLTV for $980k Pinecrest, Florida Home

August 25, 2020

Hard Money Loan for Foreign National Closed in Only 4 Days to Purchase $2.4 Million Condo in Florida

Hard Money Loan for Foreign National Closed in Only 4 Days to Purchase $2.4 Million Condo in Florida

August 14, 2020

Combo Loan at 86% CLTV for $1 Million Miami Beach Home

Combo Loan at 86% CLTV for $1 Million Miami Beach Home

August 8, 2020

Quick Close for Cash-Out Refinance on Rental Property despite COVID-19

Quick Close for Cash-Out Refinance on Rental Property despite COVID-19

June 11, 2020

3.25% Fixed Interest Rate for Borrower with High Debt

3.25% Fixed Interest Rate for Borrower with High Debt

April 7, 2020

Foreclosure Bailout Bridge Loan

Foreclosure Bailout Bridge Loan

March 27, 2020

$615,000 Cash-Out Refinance for Miami Beach Rental Investment Property

$615,000 Cash-Out Refinance for Miami Beach Rental Investment Property

March 7, 2020

Cash-Out Refinance for Arizona Rental Investment Properties

Cash-Out Refinance for Arizona Rental Investment Properties

February 29, 2020

Cash-Out Refinance for Australian Foreign National

Cash-Out Refinance for Australian Foreign National

February 29, 2020

Purchase Loan Conditionally Approved in Only 6 Hours from Submission

Purchase Loan Conditionally Approved in Only 6 Hours from Submission

February 1, 2020

Investment Loan for 4-Plex in Miami Beach

Investment Loan for 4-Plex in Miami Beach

January 15, 2020

VA Loan for Army Veteran

VA Loan for Army Veteran

January 14, 2020

Cash-Out Refinance of Marital Home for Divorce

Cash-Out Refinance of Marital Home for Divorce

December 15, 2019

Residential Investment Property Loan for Canadian Foreign National’s Portfolio of Rental Properties

Residential Investment Property Loan for Canadian Foreign National’s Portfolio of Rental Properties

December 12, 2019

Home Equity Conversion Mortgage (Reverse Mortgage) for 89-year-old Florida resident

Home Equity Conversion Mortgage (Reverse Mortgage) for 89-year-old Florida resident

December 5, 2019

$1.3M in Refinance and Purchase Loans for 6 Rental Properties in Florida

$1.3M in Refinance and Purchase Loans for 6 Rental Properties in Florida

October 31, 2019

80% LTV Purchase Loan for Married Couple’s First Home

80% LTV Purchase Loan for Married Couple’s First Home

October 31, 2019

97% LTV Purchase Loan for Green Card Holder

97% LTV Purchase Loan for Green Card Holder

September 9, 2019

Divorce Refinance under Investor Cash Flow Program

Divorce Refinance under Investor Cash Flow Program

August 22, 2019

Non-QM Purchase Loan for High-Rise Condominium

Non-QM Purchase Loan for High-Rise Condominium

August 2, 2019

Foreclosure Bailout to Save Orlando Home from Being Sold at Auction

Foreclosure Bailout to Save Orlando Home from Being Sold at Auction

July 30, 2019

Cash-out Refinance on Single-Family Home in Palmetto Bay

Cash-out Refinance on Single-Family Home in Palmetto Bay

July 18, 2019

Creative Non-Warrantable Condo Purchase Loan for Recent College Graduate

Creative Non-Warrantable Condo Purchase Loan for Recent College Graduate

June 10, 2019

95% LTV Purchase Loan for Married Couple in Miami Beach

95% LTV Purchase Loan for Married Couple in Miami Beach

June 6, 2019

Purchase Loan for Non-Permanent Resident from Canada

Purchase Loan for Non-Permanent Resident from Canada

April 30, 2019

Purchase Loan that was Clear to Close in Only 12 Days

Purchase Loan that was Clear to Close in Only 12 Days

March 4, 2019

Cash-Out Refinance Despite Various Credit Issues

Cash-Out Refinance Despite Various Credit Issues

December 10, 2018

Purchase Loan in Florida for Out-of-State Borrower

Purchase Loan in Florida for Out-of-State Borrower

November 20, 2018

Purchase Loan for Unemployed Borrower

Purchase Loan for Unemployed Borrower

November 1, 2018

Cash-Out Refinance for Borrower with Multiple Arrearages

Cash-Out Refinance for Borrower with Multiple Arrearages

October 11, 2018

Purchase Loan for Second Home and Investment Property

Purchase Loan for Second Home and Investment Property

July 20, 2018

Purchase Loan for Borrower Recently Discharged from Bankruptcy

Purchase Loan for Borrower Recently Discharged from Bankruptcy

April 18, 2018

Purchase Loan for Vacant Lot of Land to Construct Dream Home

Purchase Loan for Vacant Lot of Land to Construct Dream Home

March 20, 2018

Jumbo Loan for Married Couple’s Lifetime Home

Jumbo Loan for Married Couple’s Lifetime Home

January 24, 2018

Non-Warrantable Condo Financing for Venezuelan Foreign National to Purchase Investment Property

Non-Warrantable Condo Financing for Venezuelan Foreign National to Purchase Investment Property

January 7, 2018

Foreclosure Bailout to Save Miami Home in the Nick of Time

Foreclosure Bailout to Save Miami Home in the Nick of Time

January 4, 2018

Investment Loan for Borrower to Become Residential Landlord

Investment Loan for Borrower to Become Residential Landlord

October 30, 2017

Rate-and-Term Refinance (switch from ARM to fixed rate with 117% LTV) for Investment Property

Rate-and-Term Refinance (switch from ARM to fixed rate with 117% LTV) for Investment Property

August 31, 2017

Rate-and-Term Refinance (3.375% on 15-year fixed rate)

Rate-and-Term Refinance (3.375% on 15-year fixed rate)

July 17, 2017

Construction-to-Permanent Loan for Dream Home in Weston, Florida

Construction-to-Permanent Loan for Dream Home in Weston, Florida

March 31, 2017

Renovation Loan for Modernizing Home in Central Florida

Renovation Loan for Modernizing Home in Central Florida

January 31, 2017

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