Get a great rate on a new mortgage — without the runaround.

Look for a licensed, local broker who shops 130+ lender partners instead of selling one bank's products. NEWLOANCO — led by Jorge R. Regalado (NMLS #1243458) from our Brickell office — does exactly that, with deep experience in Miami condos, investor loans and specialty programs.

Less than most people think: FHA is 3.5% down, VA can be 0% down for eligible borrowers, some conventional and first-time buyer programs start at 3%, and assistance programs like Florida Hometown Heroes can help with down payment and closing costs if you qualify.

Often, yes. FHA guidelines are flexible, and many files at 620 work well when income and payment history are solid. Jorge will look at your full picture and give you a straight answer — plus a plan if you need to raise your score first.

Yes — DSCR loans qualify on the property's rent rather than your personal income, and we pair them with bank statement and 1099 programs for self-employed investors. Investor loans are available for properties nationwide.

Yes. Our foreign national and ITIN programs are built for international buyers and non-citizen residents purchasing primary, second or investment homes in Florida.

With a complete application and documents ready up front, many files close in about 21–30 days. Starting early — and responding quickly to document requests — is the best way to hit your contract date.

All of them. Miami-Dade County and the Florida Keys are home turf, and we close loans across the state: Broward and Palm Beach County, Orlando and Central Florida, Tampa Bay, Jacksonville and Northeast Florida, Southwest Florida, the Space and Treasure Coast, North Central Florida, Lakeland and Winter Haven, and the Florida Panhandle — one team, the same programs, everywhere in Florida.

Use the free closing cost estimate request on this page. Share the price, property type and location, and Jorge prepares a personalized estimate of lender fees, title and escrow, prepaids and recording charges. It's a planning estimate — not a Loan Estimate or a commitment to lend.

Florida Hometown Heroes assists eligible community-serving professionals with down payment and closing costs. Homes for Heroes rewards firefighters, EMS, law enforcement, military, healthcare workers and teachers. Other down payment assistance programs can help eligible buyers cover upfront costs. Availability, eligibility and funding vary — ask Jorge what fits your file.

Use the Free Pre-Qualification form in the Realtor Partners section. Enter what your candidate told you verbally and the page generates a printable letter on NEWLOANCO letterhead; one tap sends the letter details to Jorge for the candidate's file. It's a pre-qualification based on unverified verbal information — not a pre-approval.

Use the For Partners section. Create your free partner account once — Realtors, CPAs and accountants, attorneys, wealth advisors and financial planners, insurance agents, title agents and brokers are all welcome — then refer clients, request pre-qualification letters, run instant numbers live with a client, book a partner consultation, or request a home valuation. Jorge tracks every request on your partner account and sends you status updates — and business flows back: pre-approved buyers for your listings, listing referrals, and cross-referrals to your practice.

Florida insurance can make or break a deal — premiums are higher here, and carriers look hard at roof age and condition. We check insurability early, before you fall in love with a house, so insurance never becomes a closing-day surprise.

If the home sits in a high-risk flood zone and you're using a mortgage, flood insurance is required. Outside those zones it's optional — but much of Florida is low-lying, so many buyers carry it anyway. We check the property's flood zone up front and price it into your numbers.

If the home is your primary residence, the homestead exemption can knock up to $50,000 off its assessed value for property taxes, and the Save Our Homes cap limits how fast that assessment can rise each year. You file with your county property appraiser after you move in — most counties set a March 1 deadline — and we'll remind you at closing.

Some are. After Surfside, Florida's milestone-inspection and reserve (SIRS) rules changed condo lending — buildings that haven't completed their studies or funded reserves can be tough or even non-warrantable. We check the building early, and when a condo doesn't fit standard guidelines we have non-warrantable condo programs built for exactly that.

Florida has no state income tax, but property taxes are real — they're based on the county's assessed value and local millage rates, and they're usually escrowed monthly with your payment. One warning: when you buy, the home is reassessed, so don't budget from the seller's current tax bill — yours will likely be higher. We'll estimate the post-purchase number before you offer.

Yes. Most of the process is digital — application, documents, disclosures — and Florida closings routinely happen with remote or mail-away signings when needed. Whether you're moving to Miami, Orlando, Tampa, Jacksonville or anywhere in the state, we run it the same way: one point of contact, start to keys.

Throughout Florida — we're based in Miami and licensed in Florida, and the same financing rules and programs apply statewide, so we close home loans from the Panhandle to the Keys. (Investor programs go further still: nationwide.)