Florida Luxury Lending Guide
Clear, practical explanations of the loan programs used most often by luxury buyers, investors, and international purchasers across Florida.
Loan Programs
Jumbo Loans
Financing above conforming loan limits for luxury home purchases.
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Non-QM Loans
An overview of alternative-documentation loan programs.
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Asset Depletion Loans
Qualify using liquid assets instead of employment income.
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Bank Statement Loans
Qualification for self-employed borrowers using bank statements instead of tax returns.
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DSCR Loans
Investment property financing qualified on rental income, not personal income.
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Foreign National Loans
Mortgage options for international buyers without U.S. credit history.
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Bridge and Cross-Collateralization Loans
Buy your next home before selling your current one.
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Second Home Loans
Mortgage options for seasonal and vacation properties.
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Cash Out Refinance
Access home equity for luxury homeowners without selling.
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Construction Loans
One-loan financing for custom luxury home builds.
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