Florida Home Loans, Refinancing & Investment Property Financing
Compare Florida mortgage options to buy a home, refinance, or finance real estate investments. Thomas Martin helps borrowers explore home loans, cash-out refinancing, self-employed mortgage programs, and private financing options. Available programs depend on your credit profile, income documentation, property, equity, and loan purpose. Call 954-667-9110 to discuss your situation.
Florida Mortgage Lenders Program Videos:
- All loan programs and availability are subject to change. Call 954-667-9110 for the latest qualifications.
Florida Programs Include:
- Bank Statement: Use the average of your last 12 or 24 bank deposits; no tax returns required.
- 1099 Mortgage: Average your last 2 years’ 1099s for income.
- 3-Month Bank Statement: Average 3 months of bank statements for a 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 – Cash-outs up to 90%(stocks, mutual funds, etc.) without liquidating.
- Refinance Florida Home While Listed For Sale – Cash out on a 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 cash-out in every city in Florida, even HELOC cash-out 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 a 2-year and year-to-date 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.
