Florida Mortgage Lenders Program Videos:

Florida Programs Include:

Bank Statement: Use 12 or 24 average bank deposits with no tax returns.
1099 Mortgage: Average your last 2 years’ 1099s for income.
3-Month Bank Statement: Average 3-month bank statement rent-to-own option.
Self-Employed Mortgage : If you write off too much of your income.
FHA Mortgage Lenders – FHA 100% Florida FHA mortgage options.
VA 100% Mortgage loans: No PMI -VA Loan Limits 806,500
Conventional: Fannie Mae or Freddie Mac – Conforming Loan Limit 806,500
Jumbo: Mortgages and Alt doc super jumbo loans over $806,500 up to $50 million
No Income: No doc, stated Florida no Income verification Mortgage Lender
NO tax return: No Tax return. Lenders use 1099s and bank statements as documentation.
VOE: Allow your VOE to disregard your tax return write-offs.
Pledged Assets: Assets in your account to qualify.
P&L Only: Use your licensed Tax preparer’s Profit and Loss to qualify.
ITIN Mortgage: Nonresidents use bank statements to secure a mortgage on a home.
Foreign National: Nonresidents can invest, purchase, or cash out.
Bad Credit: Bad Credit mortgage approvals are based on payment history.
Florida Hard Money Lenders – High-interest-rate hard money for quick funding.
Bad Credit – Approvals based on payment history.
Non-warrantable Condos: Those that do not meet Fannie Mae or Freddie Mac specs.
Cross Collateral – Up to 90% financing when pledging assets as collateral.
Bridge-to-Sale – Help clients access the equity in their listed property before it sells.
Asset Depletion – Increase client purchasing by using assets to qualify income.
Condo Condotel – Super Jumbo Condo and Condotel for Unique properties.
Pledged Asset – Cashouts up to 90%(stocks, mutual funds, etc.) without liquidating.
Refinance Florida Home While Listed For Sale – Cash-out home listed for sale.
3.5% Down Self-Employed, ITIN, Florida Mortgage Lenders.
1099 Mortgage Lenders: Use 1099 Income to qualify.
Florida Condo Mortgage Lenders: Non-Warrantable: Condotel: Co-op.
Hollywood, FL FHA Mortgage Lenders: Easier qualifications, min 500+ credit.
Mortgage Refinance Tax Liens, Code Violations, Judgments
Refinance Florida Tax Liens Code Violations Judgments
Refinance Florida Tax Liens, Assessments, Judgments, etc.
Rent-to-Own Florida FHA Mortgage Lenders – You pick the home and rent-to-own.
HELOC cashout in every city in Florida, even HELOC cashout on Florida condos.

Florida Mortgage Programs in Demand In 2026

What are Florida mortgage applicants actively seeking that’s hardest to actually find or close right now?

Non-Warrantable Condo Second Mortgages: Don’t let your Florida HOA’s red tape lock up your cash. We provide second mortgages for non-warrantable Florida condos—allowing you to cash out your Florida condo value while keeping your low first-lien rate untouched. We offer fixed-rate HELOANs on condos that skip the full questionnaire/budget review are hard to find precisely because Florida condo project review requirements have gotten stricter these days, not easier — while demand for exactly this product is rising as more Florida condo buildings fail warrantability. This is a real, current supply-and-demand mismatch for Florida condo second-mortgage seekers.
Second Mortgage in Florida With NO Tax Returns: Second-lien and blended-rate options are explicitly named as a growth area specifically because so many Florida homeowners locked in 3-4% rates and don’t want to refinance their whole balance at today’s rates. Demand is high for genuinely competitive, well-priced second-lien products that include Florida HELOANs rather than variable HELOCs because they offer 30-year fixed options. Many lenders still push borrowers toward a full cash-out refi instead if they see the blended rate offers the same outcome.
Cashout Refinance Before Probate In Florida—Pre-Probate Cash-Out Refinancing: As we discussed at length, conventional and FHA lenders require probate to be fully settled before cash-out refinancing — meaning legitimate, fairly priced, court-authorized personal representative loans (as opposed to the expensive inheritance cash-advance products) are a narrow, very few specialized mortgage lenders offer cash-out refinancing before probate.
Refinance Florida property held in a Florida Irrevocable Trust: As covered in depth, this is a small, specialized private/hard-money lender niche (North Coast Financial, HCS Equity, Independent Lending) precisely because most conventional lenders categorically decline, regardless of the borrower’s actual creditworthiness.
Refinance To Stop Foreclosure In Florida: Yes, we offer refinancing solutions to help stop foreclosure in Florida. Our hard-money Florida mortgage lenders provide options for business-purpose loans to stop foreclosures across all property types in Florida, including residential, Commercial, Land , manufactured homes , and investment properties.
No Tax Return Florida FHA Mortgage Lenders: Our private Florida FHA mortgage lenders now offer a profit-and-loss mortgage program. This is a 3.5% down payment FHA loan that does not require tax returns for the self-employed. That’s right: if you’re self-employed and write off most of your income, you can now qualify for an FHA mortgage using 2 year and year to date a profit-and-loss statement for mortgage approval.

Florida Mortgage Lenders: At Coast2Coast Mortgage Lending, we have access to over +100 wholesale Florida mortgage lenders. Thomas Martin is located in Hollywood, FL. We offer more options, greater transparency, and a simpler way to find the right mortgage loan for your refinancing or home-buying situation. All mortgage programs are subject to change without notice. This is not a commitment to lend.

Florida Mortgage Lenders