Practical realtor mortgage resources in Florida: partner with us to keep your deals on schedule and your buyers qualified.
What we provide
- Pre-qualification letters within 24 hours
- One dedicated point of contact across all your transactions
- Co-branded marketing materials
- Bilingual support for Spanish-speaking buyers
- Working knowledge of every Florida down payment assistance program
- Competitive pricing across all loan types
The two things that kill Florida contracts
Most financing failures in this state are not credit failures. They are timing failures, and both of the usual culprits are avoidable if somebody flags them in week one.
Insurance. A premium quote that arrives late can push a buyer’s debt-to-income ratio past approval after they are already under contract. We quote insurance early on coastal and older properties, so a problem surfaces while the inspection period is still open rather than days before closing.
Condo associations. Lender review of the association takes time, and a building can fail on reserves, insurance, litigation or a pending special assessment. Therefore we check the project before your buyer writes the offer rather than after, which is the difference between choosing another unit and losing a deposit.
How we work with your buyers
Pre-qualification takes minutes and involves no credit pull, so you can send someone to us before they have committed to anything. If they need a stronger letter for a competitive offer, we convert them to a full pre-approval with credit and income verified.
Since we are a brokerage rather than a single lender, a buyer another lender declined is worth sending over. Self-employed income, a non-warrantable condo, an investor past the ten-property conventional limit: those are placement problems, and placement is what a broker does.
Programs your buyers may not know about
Many Florida buyers assume assistance is only for very low incomes. Hometown Heroes covers more than 50 occupations at up to 150% of county area median income, which reaches a great deal further than most people expect. County programs stack on top, and the down payment assistance guide lists what is available where.
To set up a partnership, use our contact form and we will get back to you the same business day. You can verify our licensing first through our NMLS details.