For Licensed Real Estate Agents
Stop Losing Deals to
Lenders Who Can’t Close
I’m a licensed Florida Mortgage Broker who specializes in the borrowers most lenders turn away — ITIN holders, self-employed buyers, foreign nationals, and real estate investors. If your buyer has a pulse and a path, I’ll find the loan.
24+ years of Central Florida real estate experience
Non-QM, DSCR, ITIN, foreign national, and bank statement loans
Fast pre-approvals — I answer my phone
Your client stays your client — I don’t poach leads
Become a Preferred Agent Partner
Takes 60 seconds. I’ll reach out within one business day.
Your information is never shared or sold. NMLS #1933745 | Jhenesis Mortgage NMLS #2532705.
24+
Years in Central Florida Real Estate
10+
Loan Programs Available
~85%
of Veterans Never Use Their VA Benefit
1
Point of Contact From Pre-Approval to Close
Why This Partnership Is Different
The Lender Problem — and the Fix
Most agents have sent a buyer to a lender and watched them disappear. Here’s why that keeps happening, and why Jhenesis is built differently.
What Keeps Happening
Lender says buyer is pre-approved, then finds a problem 3 days before closing
ITIN buyers, self-employed clients, or foreign nationals get turned away without explanation
You spend weeks showing homes to someone who was never going to qualify
Lender ghosts calls during the transaction when things get complicated
Buyers get a conditional pre-qual from a website — you find out it means nothing
How Jhenesis Works
Pre-approvals based on real underwriting scenarios, not just a credit pull
Non-QM expertise means your ITIN, self-employed, and foreign national clients have a real path
Use our free Loan Match tool to qualify buyers before showing a single home
One broker, one phone number, one accountability — I pick up
If a buyer doesn’t qualify now, I tell you exactly what it takes and how long — no wasted time
Loan Programs
The Buyers You Can Now Send
Not every buyer fits a conventional box. Here’s what we qualify — and what makes each program work.
VA Loan
The Patriot Path
VA Loan — 0% Down
Only ~15% of eligible veterans use their VA benefit. This program offers 0% down, no PMI, and competitive rates — and most agents don’t know how to identify eligible buyers. We do.
Best for: Active duty, veterans, surviving spouses with VA eligibility
QM
The Foundation
Conventional Loan
The standard program for W2 buyers with solid credit. Best rates, flexible terms, and no PMI with 20%+ down. 620+ credit required, 720+ for best pricing.
Best for: Salaried buyers, 620+ credit, 3–20% down
QM
The First Step
FHA Loan
The most forgiving qualified mortgage available. 3.5% down at 580+ credit. 10% down accepted at 500+. Great for buyers rebuilding credit or low on down payment savings.
Best for: First-time buyers, lower credit scores, limited down payment
Non-QM
The Investor’s Key
DSCR Loan
No tax returns. No employment verification. Qualification is based purely on the property’s rental income — if the rent covers the mortgage (DSCR ≥1.0), the loan works.
Best for: Real estate investors, rental property buyers, portfolio builders
Non-QM
The Entrepreneur’s Edge
Bank Statement Loan
Your self-employed buyers write everything off — which kills their taxable income and kills their conventional loan. Bank statement loans use 12–24 months of deposits instead. Their write-off strategy is no longer a penalty.
Best for: Self-employed, business owners, 1099 earners (2+ years)
Non-QM
The New American Path
ITIN Loan
No Social Security number required. ITIN holders who pay US taxes have a real path to homeownership. Alternative credit, bank statements, and employment history replace traditional documentation.
Best for: ITIN holders, undocumented workers, immigrants without SSN
Non-QM
The Global Arrival
Foreign National Loan
No US credit. No SSN. No US income documentation. Passport, 12 months of foreign bank statements, and 25–30% down is all that’s needed. Florida is one of the most accessible markets in the world for international buyers.
Best for: Non-US residents, international investors, Canadian and European buyers
Non-QM
The Launchpad
Down Payment Assistance
Florida has multiple DPA programs — forgivable grants, silent second mortgages, employer assistance — that cover down payment and sometimes closing costs. Your buyers may need less cash than they think.
Best for: First-time buyers, income-qualified buyers in Florida
The Referral Process
Simple. Fast. No Surprises.
Here’s exactly what happens when you send a buyer to Jhenesis Mortgage.
01
Send Buyer to Loan Match
Share the free Loan Match quiz — they answer 8 questions and get a product match before they ever call me.
02
15-Minute Pre-Approval Call
I get on the phone with your buyer, review their scenario, and tell you within 24 hours where they stand and what product fits.
03
Pre-Approval Letter Issued
You get a real pre-approval letter — not a soft pre-qual. Underwriting-backed, ready to submit with an offer.
04
You Close. Everyone Wins.
I handle the loan. You handle the home. One clear communication channel all the way to closing table.
Agent Tools
Resources You Can Use Today
Everything you need to qualify buyers faster, educate clients, and close more deals.
Free Loan Match Quiz
Send every buyer here before your first showing. 8 questions, 3 minutes, no credit pull. They get matched to their loan type — you know what you’re working with before you show a single home.
Open Loan Match DSCR Calculator
For your investor clients — plug in rent, purchase price, and expenses to instantly calculate DSCR ratio and estimated loan eligibility. Works with STR toggle for Airbnb/VRBO income.
Open Calculator VA Entitlement Guide
Only 15% of veterans use this benefit. Share this guide with any buyer who has served — it explains eligibility, entitlement restoration, and how to use the VA benefit on an investment property.
Open VA Guide Buyer Referral Template
A ready-to-send email or text you can forward to any buyer. Introduces Jhenesis Mortgage, explains what to expect, and links to the Loan Match quiz — all in your voice.
Copy Template Non-QM Product Sheet
A one-page reference for agents covering DSCR, bank statement, P&L, ITIN, and foreign national loan programs — minimum requirements, down payment, credit score thresholds, and ideal borrower profiles.
View Programs Quick Text to Stacy
Have a scenario you’re not sure about? Text me directly. I’ll tell you within a few hours whether it works, what program fits, and what you’d need from the buyer to move forward.
Text Now Copy-Paste Referral Template
Send This to Your Buyer Today
Works as an email, text, or DM. Edit as needed.
Hey [Buyer Name],
I wanted to connect you with my mortgage broker, Stacy Ann Stephens at Jhenesis Mortgage. She specializes in buyers who need more than a standard loan — self-employed borrowers, ITIN holders, foreign nationals, investors, and VA-eligible veterans.
Before you call her, take 3 minutes to complete the free Loan Match quiz: jhenesismortgage.com/loan-match
It’ll show you which loan program fits your situation — no credit pull, no SSN needed. Then Stacy will reach out to walk you through next steps.
She’s the real deal — 24 years in Florida real estate, and she actually picks up the phone.
— [Your Name]
I wanted to connect you with my mortgage broker, Stacy Ann Stephens at Jhenesis Mortgage. She specializes in buyers who need more than a standard loan — self-employed borrowers, ITIN holders, foreign nationals, investors, and VA-eligible veterans.
Before you call her, take 3 minutes to complete the free Loan Match quiz: jhenesismortgage.com/loan-match
It’ll show you which loan program fits your situation — no credit pull, no SSN needed. Then Stacy will reach out to walk you through next steps.
She’s the real deal — 24 years in Florida real estate, and she actually picks up the phone.
— [Your Name]
What Agents Say
Built on Referrals. Proven on Closings.
“I had a self-employed buyer that three lenders turned away. Stacy had him pre-approved in 48 hours using bank statements. We closed on time. I’ll never send a buyer to a big bank again.”
Realtor, Orlando FL
“My client is a foreign national from Brazil — no US credit, no SSN. Stacy knew the program, knew the docs needed, and closed it. I didn’t even know that was possible.”
Luxury Agent, Miami FL
“I send Stacy the Loan Match link before I even set a showing. By the time my buyers call me back, they already know their loan type. It’s changed how I do business.”
Buyer’s Agent, Winter Park FL
Your Mortgage Partner
Who You’re Actually Working With
SS
Stacy Ann Stephens
Mortgage Broker · NMLS #1933745
24+ Years in Florida Real Estate
NMLS #1933745
MBA, Project Management
Former IRS Enrolled Agent
Jhenesis Mortgage NMLS #2532705
I immigrated from Jamaica and built my real estate career the same way my clients build homeownership — from scratch, with no shortcuts. I watched the 2008 housing crisis unfold from inside the industry, and it shaped how I approach every transaction: no smoke and mirrors, no false pre-approvals, no wasted time.
My background as a former IRS Enrolled Agent means I understand the “Smart Tax Paradox” better than most lenders — the self-employed client who writes off everything and then can’t qualify for a mortgage. I know how to read those scenarios and find the right non-QM product. That’s not something most brokers can say.
When you send a buyer to me, your lead stays yours. I don’t cross-sell, I don’t poach contacts, and I don’t disappear mid-transaction. I answer my phone.
Questions Agents Ask
Answers Before You Pick Up the Phone
Do you work with agents from any brokerage, or only KW agents?
Any licensed Florida real estate agent is welcome to partner with Jhenesis Mortgage. My mortgage license operates independently from any real estate affiliation. I work with agents from KW, RE/MAX, Coldwell Banker, EXP, boutique brokerages — it doesn’t matter. What matters is that you have buyers who need financing.
How fast can you issue a pre-approval letter?
For most W2 and straightforward non-QM scenarios, I can issue a pre-approval letter within 24–48 hours of receiving the buyer’s documentation. For more complex scenarios — bank statement, ITIN, or foreign national — it may take 48–72 hours. I’ll never give you a letter I can’t back up with underwriting support.
Will you refer clients back to me if they need a real estate agent?
Yes, for buyers who come to me directly without an agent, I refer to my preferred agent partners. If a buyer comes through your referral, you remain their agent throughout — I don’t interfere with that relationship under any circumstances.
Can you do pre-approvals for buyers in other states?
Jhenesis Mortgage is currently licensed in Florida, Georgia, Maryland, and Washington DC. If your buyer is purchasing in one of those states, yes. If they’re in another state, I can often refer them to a trusted broker in that market.
What’s the minimum credit score you’ll work with?
It depends on the loan type. FHA accepts 500+ with 10% down (580+ for 3.5% down). DSCR and bank statement loans typically require 620+. ITIN loans work with alternative credit profiles — no score required in some cases. If a buyer doesn’t qualify now, I’ll tell you exactly what’s needed and how long it should take to get there.
What happens if my buyer doesn’t qualify?
I’ll give you and your buyer a straight answer: what’s missing, what needs to change, and how long it realistically takes to fix it. Could be a 60-day credit strategy. Could be accumulating more down payment. I won’t string a buyer along. If there’s a path, I’ll map it. If there isn’t, I’ll say so — and keep them in a pipeline until they’re ready.
Ready to Close More Deals Together?
Register as an agent partner, send your first buyer through the Loan Match tool, or just call me. I’m the kind of mortgage broker you’ve been looking for.