The Right Loan
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Jhenesis Mortgage is a licensed Florida Mortgage Broker operating under NMLS #2532705. Led by Stacy Ann Stephens (NMLS #1933745), the brokerage specializes in DSCR loans, ITIN mortgages, foreign national financing, non-QM loans, VA, FHA, and conventional mortgages. We serve buyers and investors throughout all of Florida — with deep expertise in Orlando, Winter Park, Lake Nona, Windermere, Kissimmee, Tampa, and Miami — as well as Georgia.

Jhenesis Mortgage offers: DSCR loans (investment property, no tax returns required), ITIN mortgage loans (no Social Security number needed), foreign national mortgages, non-QM loans and bank statement loans for self-employed borrowers, VA loans for veterans (zero down), FHA loans (3.5% down), conventional mortgages, down payment assistance programs, refinances, and ground-up construction loans. As a broker, we shop 50+ wholesale lenders — so you’re never limited to one institution’s products.

Yes — and this is one of our core specialties. ITIN mortgage loans allow buyers to purchase Florida property using an Individual Taxpayer Identification Number in place of a Social Security Number. U.S. citizenship, a green card, or permanent residency is not required. Typical program requirements: 2 years of ITIN tax filing history, 15–30% down payment, and verifiable income. These loans are available for primary residences and select investment properties in Florida.

A DSCR loan (Debt Service Coverage Ratio loan) qualifies you based on the property’s rental income — not your personal income, W-2s, or tax returns. The ratio is calculated as: monthly gross rent ÷ monthly mortgage payment. A DSCR of 1.0 means the rent covers the payment. Jhenesis Mortgage offers DSCR loans starting at a 1.0 DSCR ratio. This is ideal for self-employed investors, LLC borrowers, and anyone who writes off significant business expenses on their tax returns — making conventional income qualification difficult.

Yes. Jhenesis Mortgage is VA-certified and offers VA home loans for eligible veterans, active-duty service members, and surviving spouses purchasing in Florida. VA loans provide 100% financing — no down payment required — plus no private mortgage insurance (PMI) and competitive rates. Here’s what shocks most people: only about 15% of eligible veterans actually use their VA benefit. If you or someone in your family served, call us at 407-630-9766 to find out if you qualify. You may be sitting on one of the most powerful loan products available.

Yes — and we specialize in it. Self-employed borrowers often face what we call the Smart Tax Paradox: the same deductions that reduce your tax bill also reduce your qualifying income on traditional loan applications. Jhenesis Mortgage solves this with bank statement loans (12–24 months of deposits verify income instead of tax returns), P&L-only loans for business owners, and DSCR loans for investors. Your deductions shouldn’t cost you the loan.

Absolutely. Foreign national mortgages are one of our specialties. International buyers can purchase Florida property without a U.S. Social Security number, U.S. credit history, or U.S. employment. Eligible property types include primary residences, vacation homes, and investment properties. Down payments typically range from 25–30%. Note: Florida SB 264 imposes certain restrictions on buyers from specific countries — we walk every international client through eligibility at no charge before they move forward.

A mortgage broker like Jhenesis Mortgage works on your behalf, shopping your loan scenario across multiple wholesale lenders to find the best rate and terms available. A bank or direct lender can only offer their own products. This matters enormously for complex borrowers — DSCR, ITIN, foreign national, and non-QM loan programs are often only accessible through wholesale channels that retail banks don’t participate in. As a broker, we have access to programs the bank down the street simply cannot offer.

It depends on the loan type. VA loans require zero down payment. FHA loans require 3.5% down (with 580+ credit score). Conventional loans start at 3–5% for primary residences. DSCR investment loans typically require 20–25% down. ITIN loans require 15–30% down. Foreign national mortgages generally require 25–30% down. First-time buyers may also qualify for Florida down payment assistance grants that can cover some or all of these costs. Call us to find out which programs apply to your situation.

Start by submitting a free quote request, calling 407-630-9766, or emailing info@jhenesismortgage.com. Stacy Ann Stephens personally reviews every scenario and responds within one business day. Conventional and FHA pre-approvals can often be issued within 24–48 hours with complete documentation. DSCR, non-QM, ITIN, and foreign national loans typically take 3–5 business days. There’s no automated pipeline here — your file gets real attention from a licensed broker who knows these programs inside and out.