Shop 100+ wholesale lenders to find the program that actually fits — whether you're a first-time buyer, self-employed, an investor, or relocating.
Programs
Each program has its own qualification rules, rate dynamics, and best-use cases.
Standard 30-year loans through Fannie Mae and Freddie Mac. 3-20% down, no PMI at 20%. The default for most well-qualified Florida buyers.
Learn more → First-Time Buyers3.5% down with credit scores as low as 580. Government-backed flexibility for buyers who don't fit conventional guidelines yet.
Learn more → Veterans0% down, no PMI, competitive rates for active military, veterans, and eligible spouses. The best loan in mortgage if you qualify.
Learn more → Above $806,500Loans above the conforming limit — common across Naples, Sarasota, Tampa luxury markets. Tighter underwriting, competitive rates.
Learn more → InvestorsQualify based on the property's rental income — no W-2s, no tax returns. The fastest path to scaling a Florida rental portfolio.
Learn more → Self-EmployedUse 12-24 months of bank deposits in place of tax returns. Built for business owners and 1099 earners with strong cash flow but heavy write-offs.
Learn more → New ConstructionOne closing, one rate lock, one appraisal — your construction loan auto-converts to a permanent mortgage when the home is complete.
Learn more → International BuyersLoans for non-US citizens buying Florida property. No US credit history required. Common for Canadian, European, and Latin American buyers.
Learn more → Equity AccessTap your home equity for renovations, debt consolidation, or your next investment property. Both lump-sum and line-of-credit options.
Learn more →For Homebuilders
Close more buyers. Nick Grisanti serves as preferred lender for Florida homebuilders — fast pre-quals, a single point of contact, and 100+ wholesale lenders to get any deal done.
Status updates back to your sales team — no waiting on a call center.
Nick handles every loan personally. No handoffs, no surprises mid-deal.
Construction & conventional loans, plus FHA, VA, jumbo, and DSCR — 100+ wholesale lenders means more of your buyers qualify.
Get a Real Quote
2 minutes. No credit pull. Nick reviews and follows up personally with rate options that fit your scenario.
Nick will reach out within a few hours with personalized rate options. Most replies come same-day.
Ready now? Start full application → Prefer to chat? Text Nick →Reference #:
Call Nick or start an application. 15 minutes of conversation usually makes the right program obvious.