Your home starts with One.

FHA and conventional paths built for Miami and Palmetto Bay first timers, lower down payments, gift funds, and Florida assistance when they fit.

We’ll compare FHA vs conventional for your credit, condo HOA, and monthly comfort. USDA zero down can apply if you’re buying in an eligible area on the metro edge; we’ll check the map.

• FHA often from 3.5% down
• Conventional from ~3% with stronger credit

Trade up without guessing your equity. Conventional covers most Miami moves; jumbo steps in when the purchase sits above conforming limits.

Common in Coral Gables, Pinecrest, Coconut Grove, and waterfront where prices push past standard loan caps.

• Conventional purchase or refinance
• Jumbo for higher South Florida prices

VA loans for eligible veterans and active duty, often $0 down and no monthly PMI, with competitive rates.

We handle Certificate of Eligibility, residual income, and Florida VA timelines so your offer reads strong to sellers.

• $0 down when you qualify
• Funding fee can often be financed

Bank statement and non QM options when W-2 math doesn’t show what you actually earn. Built for Miami business owners, freelancers, and 1099 earners.

We underwrite from deposits, P&L, and tax returns, explained in plain English, not lender jargon.

• 12 to 24 months bank statements
• Alternative / non QM income docs

DSCR and investment financing sized to rental cash flow, not personal DTI alone, condos, single family, and small multis across Miami-Dade.

Purchase or refinance with underwriting that understands South Florida rents and HOA realities.

• DSCR / cash flow underwriting
• Investment purchase or refinance

Buy in South Florida without a U.S. credit file. Foreign national programs use larger down payments and clear passport or entity docs.

Primary residence or investment, we coordinate banks and title that already work with international buyers.

• No SSN required on many paths
• Primary or investment purchase

Physician and medical professional mortgages for MDs, DOs, dentists, and residents buying in Miami and Palmetto Bay, built around high earning potential, not a perfect W-2 history yet.

Flexible underwriting that can look past deferred student loans, with low or no down options and often no PMI. Employment contracts can work when paystubs haven’t started.

• Low / $0 down paths; often no PMI
• Student loan friendly DTI treatment