The Right Loan for Your Next Chapter
Whether this is your first home or your fifth investment property, I’ll find the financing that fits your real life — not just your W-2. Conventional, FHA, VA, DSCR, ITIN, and non-QM options available.
Every Path to Homeownership Starts with the Right Loan
There’s no one-size-fits-all in mortgage. My job is to understand your situation and match you with the program that gets you to the closing table with confidence.
Conventional Loans
As low as 3% down. Ideal for buyers with solid credit (620+) who want competitive rates and the flexibility to cancel PMI once you hit 20% equity.
FHA Loans
3.5% down with a 580 credit score. Perfect for first-time buyers or anyone rebuilding credit — and can be stacked with Florida down payment assistance up to $35,000.
VA Loans
$0 down, no PMI, and competitive rates — the most powerful loan benefit available to veterans and active-duty service members. You earned it; let’s use it.
DSCR / Investor Loans
Qualify based on the property’s rental income — not your tax returns. Ideal for self-employed investors and portfolio builders scaling Florida real estate.
ITIN & Foreign National
No Social Security number? No problem. We specialize in ITIN and foreign national loans for international buyers investing in Florida real estate.
Non-QM / Bank Statement
Self-employed? High write-offs? We use 12–24 months of bank statements or P&L statements to qualify you — no W-2s required.
Closing Cost & Payment Estimator
Florida’s most transparent purchase loan calculator. See your estimated monthly payment, closing costs, and cash-to-close side by side — before you talk to a lender.
These estimates are for educational purposes only and do not constitute a loan commitment or rate lock. Actual costs vary by lender, credit profile, county, and market conditions. Schedule a free strategy call for a precise Loan Estimate.
From “Just Browsing” to Clear to Close
Here’s what working with Jhenesis Mortgage actually looks like — no jargon, no runaround, just a clear path forward.
Free Strategy Call (15–30 min)
We talk through your goals, timeline, and financial picture. I’ll tell you which loan programs you qualify for and exactly what you need to move forward — before you fill out a single form.
Pre-Approval in 24–48 Hours
Once we gather your documents, I’ll issue a strong pre-approval letter that sellers and agents take seriously. In competitive Central Florida markets, this makes all the difference.
Submit & Process Your Loan
I manage the loan file, coordinate with underwriting, and keep you updated every step of the way. No disappearing acts. No mystery. You’ll always know where your loan stands.
Close & Celebrate
Target closing in 21–30 days for most purchase loans. We’ll review your final numbers together before you sign so there are zero surprises at the table.
Why Buyers Choose Jhenesis Mortgage
I’m not a call center. I’m a licensed Florida Mortgage Broker who works directly with you from application to closing — with access to dozens of lenders to find you the most competitive terms.
Broker Access = Better Rates
As an independent broker, I shop your file across multiple lenders. You get the competitive advantage of the whole market — not just one bank’s menu.
One Point of Contact
You’ll have my direct number. No hand-offs, no bouncing between departments. I know your file and I’m personally invested in your closing.
Specialized in Complex Files
Self-employed? ITIN? Investor? Recent credit event? I specialize in the borrowers that other lenders turn away. There’s almost always a path — let’s find yours.
Frequently Asked Questions About Purchase Loans in Florida
The questions I hear most often — answered plainly.
Ready to Make Your Move?
Let’s spend 15 minutes mapping out your purchase loan strategy. No pressure, no obligation — just clarity on what’s possible for your situation right now.
Schedule Your Free Strategy CallOr call/text directly: (407) 630-9766