Florida’s Mortgage Broker
for Every Borrower
Jhenesis Mortgage is a licensed Florida mortgage brokerage offering qualified and non-qualified home loan programs — from conventional and VA to DSCR, ITIN, and foreign national financing.
A Mortgage Brokerage Built for
Real People
Jhenesis Mortgage is a licensed Florida mortgage brokerage headquartered in Winter Park, FL. We work with wholesale lenders across the country to source competitive rates and flexible loan programs for borrowers at every stage — from first-time buyers to seasoned real estate investors.
Unlike retail banks that offer only their own products, we shop dozens of lenders on your behalf. That independence means better options, more flexibility, and a loan that actually fits your financial picture — not just a box on a form.
- Wholesale lender access — not limited to one bank’s products
- Both qualified (QM) and non-qualified (Non-QM) mortgage programs
- Specialized expertise in ITIN, DSCR, and foreign national financing
- VA loan certified — proud to serve Florida’s veteran community
- MBA-level financial analysis on every file we touch
- 24+ years of mortgage and real estate experience across two states
Loan Programs for Every Situation
Whether you qualify on traditional income or need a more flexible path, we have a program designed for your file. Here is a full look at what Jhenesis Mortgage offers.
Primary residence, second homes, and investment properties. As low as 3% down. Fannie Mae and Freddie Mac guidelines.
3.5% down minimum with credit scores as low as 580. Ideal for first-time buyers and borrowers with limited savings.
Zero down payment for eligible veterans and active-duty service members. No PMI. Competitive rates. We are UWM VA-certified.
Zero down in USDA-eligible rural and suburban Florida communities. Income and geographic limits apply.
Florida DPA programs layered on top of FHA or conventional financing for qualifying first-time buyers.
Rate-and-term or cash-out refinancing. Lower your payment, access equity, or remove PMI from your current mortgage.
Debt-service coverage ratio loans qualify on the property’s rental income — not your personal tax returns. Built for investors.
12 to 24 months of bank deposits used in place of W-2s or tax returns. Ideal for business owners and self-employed borrowers.
CPA-prepared profit and loss statement accepted in lieu of tax returns. No W-2. No Schedule C required.
No Social Security number required. Non-citizen U.S. residents with an Individual Taxpayer Identification Number can qualify.
Purchase Florida real estate without U.S. residency, SSN, or domestic credit history. We work with international buyers regularly.
Liquid assets used to calculate qualifying income. No employment required. Excellent for retirees and high-net-worth borrowers.
New construction financing with non-QM underwriting flexibility for self-employed builders and custom home buyers.
Cash-out or rate-and-term refinancing using bank statements, P&L, or DSCR documentation instead of full income verification.
We Work With Borrowers
Banks Say No To
The financial system was not designed with everyone in mind. We were. Our most active borrower segments include people the traditional mortgage system routinely underserves.
Navigating the process for the first time can feel overwhelming. We walk you through every step — from understanding your options to closing day — in plain language.
Business owners, freelancers, and independent contractors often see strong cash flow but low taxable income. Bank statement and P&L programs solve this.
DSCR loans let investors qualify based on property income, not personal tax returns. Scale your portfolio without limiting your borrowing power.
You do not need a Social Security number to own a home in Florida. ITIN mortgage programs are available for non-citizen U.S. residents who file taxes.
International buyers can purchase Florida property through foreign national loan programs that do not require U.S. credit history or residency.
We are UWM VA-certified and proud to help veterans use their earned benefit. Only about 15% of eligible veterans use their VA loan — we want to change that in Florida.
The Jhenesis Difference
We are not a call center. We are not a big bank. We are a boutique mortgage brokerage that treats every file like it matters — because it does.
Wholesale Lender Access
As an independent mortgage broker, we shop dozens of wholesale lenders to find the most competitive rate and terms for your specific situation. You cannot get these rates walking into a bank.
Non-QM Expertise
Non-QM loans require a level of underwriting knowledge most brokers do not have. Our team navigates bank statement analysis, DSCR calculations, and foreign national documentation daily.
MBA-Level Analysis
Every file benefits from rigorous financial analysis. We identify the strongest loan scenario for your profile before we ever submit — reducing surprises and improving approval odds.
Inclusive by Design
From day one, Jhenesis Mortgage was built to serve borrowers that traditional lenders overlook — immigrants, self-employed entrepreneurs, ITIN holders, and international buyers.
Direct Access, Fast Response
You will always have a direct line to a licensed mortgage professional. No hold music, no call queues. We respond within one business day — usually the same day.
Transparent from Day One
No hidden fees, no bait-and-switch rates. We show you the full picture — costs, trade-offs, and alternatives — so you can make a confident, informed decision.
Frequently Asked Questions
Answers to what Florida homebuyers and investors ask us most.
Your Next Step Starts
With a Conversation
No pressure. No commitment. Just a straightforward conversation about your goals, your situation, and which loan path makes the most sense for you.
Your Mortgage Ally
Unlock Your Potential
At Jhenesis Mortgage, we specialize in making dreams a reality. Our mission is to provide innovative, flexible loan solutions tailored to your unique needs, empowering you to invest in your future without the hassle of traditional banking.
We understand that every financial journey is different. That’s why we offer a variety of non-QM loan options, from bank statement loans to asset-based financing. Our tech-driven process ensures transparency and speed, allowing you to focus on what truly matters—your goals. With Jhenesis Mortgage, you’re not just a number; you’re a valued partner in your success.
Join us to discover how we can help you thrive. With Jhenesis Mortgage, your next chapter is just a click away—let’s make it happen together!