The fastest way is to call 407-630-9766 — available 7 days a week. You can also email stacyann@jhenesismortgage.com, book a free 30-minute consultation at Calendly, or fill out the form above.

Yes — and this is one of our specialties. We offer ITIN mortgage loans for borrowers who don’t have a Social Security number. You can qualify using your Individual Taxpayer Identification Number. Call 407-630-9766 to start.

A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income of the property — not your personal tax returns or W-2s. This makes it ideal for real estate investors, especially those who are self-employed. If the rent covers the mortgage, you’re often good to go. Learn more about DSCR loans →

Very often, yes. Banks work within strict conventional guidelines. As a mortgage broker, I have access to non-QM lenders who use alternative qualification methods — bank statements, P&L, rental income, even asset depletion. A bank denial is not the final word.

Yes — foreign national mortgages are a core specialty here. We work with buyers from Canada, the Caribbean, Latin America, Europe, and beyond. You do not need to be a U.S. resident or citizen to purchase Florida real estate with financing.

Same-day on business days, typically within a few hours. For the fastest response, call 407-630-9766 directly. Scheduled consultations via Calendly are available 7 days a week.