NMLS #2260967
Loan programs

OPTIONS THAT
FIT THE FILE.

Purchase, refinance, FHA, VA, conventional, and condo financing — matched to your goals, credit profile, and property type.

NMLS #2260967Annia Fonseca #1667245Miami-Dade · Broward · Palm Beach
01

PURCHASE

First-time and move-up buyers. We review down payment paths, assistance possibilities, and monthly payment fit before you write an offer.

  • Pre-approval letters for offers
  • FHA, VA, conventional options
  • Timeline aligned with your contract
02

REFINANCE

Rate-and-term or cash-out. We compare break-even, closing costs, and whether refinancing actually improves your position.

  • Lower payment or shorter term
  • Cash-out for home goals
  • Clear cost vs benefit review
03

FHA & VA

Lower down payment FHA paths and VA benefits for eligible veterans and service members — explained without jargon.

  • Flexible credit / down payment profiles
  • VA entitlement guidance
  • Property and condo eligibility checks
04

CONDO & PRE-APPROVAL

South Florida condos can be picky. We help screen project eligibility early and get you pre-approved so you shop with confidence.

  • Condo questionnaire / project review
  • Conventional & FHA condo paths
  • Fast-start pre-approval application
Start application Run the numbers

Educational overview only — not a commitment to lend. Program availability depends on credit, income, property, occupancy, and investor guidelines.

NEXT

READY WHEN
YOU ARE.

Apply online, call direct, or send a question. We’ll meet you at your pace.

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