For a Florida primary-residence purchase, ask about conventional, FHA or eligible alternative-documentation options for your circumstances. Your lender must review the applicable borrower, property and repayment requirements.

A non-qualified mortgage (Non-QM) is a mortgage that does not meet the applicable qualified-mortgage criteria. It is not simply another name for a jumbo loan or a loan with no underwriting.

What to consider

• Some programs allow alternative documentation for eligible borrowers.
• Requirements can include income or asset verification, credit, reserves, property review and ability-to-repay analysis where applicable.
• Owner-occupied financing and business-purpose investor financing have different requirements.
• Eligibility, costs and program availability depend on the lender and transaction.
• Options for eligible first-time homebuyers
• Florida homestead exemption may apply*

*Florida homestead exemption depends on ownership, permanent residency and other requirements. Apply through your county property appraiser, who determines eligibility; the loan itself does not qualify you for the exemption.

Apply Now →

Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.

Refinancing replaces an existing mortgage with a new loan. Your goals may include changing your interest rate or loan term, accessing available home equity, or exploring alternative financing for an investment property.

Refinance options include:

• Rate and term refinance: Explore a new interest rate, repayment term, or loan structure.
• Cash-out refinance: Use available equity to obtain funds at closing, subject to lender requirements.
• Hard money refinance: Explore property-focused financing for real estate investment needs.

Your available options depend on your equity, property, credit profile, documentation, and lender guidelines.

Apply Now →

Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.

Hard money financing is an alternative option for eligible real estate investment or business-purpose transactions. Lenders generally place substantial emphasis on the property and proposed transaction.

What to consider

• Bridge, renovation or other investment structures may be available depending on the lender.
• Rates, fees, repayment terms and maturity can differ substantially from conventional financing.
• Some loans may include a balloon payment or prepayment charge.
• Property, borrower qualifications, documents and closing conditions still require lender review.
• A particular closing date or approval is not guaranteed.

Apply Now →

Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.

A conventional mortgage is not insured or guaranteed by a federal government loan program. Conventional loans can be conforming or nonconforming; a conforming loan follows the applicable Fannie Mae or Freddie Mac requirements.

What to consider

• Purchase and refinance options may be available for eligible properties and occupancy types.
• Down payment, credit and documentation requirements depend on the lender and program.
• Mortgage insurance may apply depending on the loan structure and equity.
• Conventional, conforming and qualified mortgage describe different aspects of a loan.

Apply Now →

Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.

A non-qualified mortgage (Non-QM) is a mortgage that does not meet the applicable qualified-mortgage criteria. These programs may offer alternative ways to document income or evaluate an eligible borrower.

Borrowers Who Can Consider a Non-QM Loan

Non-QM loans may be an option for borrowers who do not meet traditional lending criteria but can manage the required down payment and monthly payments. You might consider a Non-QM loan if:

• You’re a contractor, self-employed, retired, or otherwise unable to meet traditional income documentation requirements.
• You’ve recently experienced a major credit event, such as foreclosure or bankruptcy.
• You’re a landlord seeking a program that considers eligible rental income or property cash flow, subject to the lender’s rules for the property and loan purpose.
• More than 43% of your income goes toward paying monthly debts.

These loans offer flexibility for unique financial situations and may help you explore financing suited to your needs.

These examples do not establish eligibility or guarantee approval. A debt-to-income ratio above 43% does not by itself determine whether a loan is Non-QM. Documentation, credit-event waiting periods, debt-to-income limits, down payment and ability-to-repay requirements vary by lender and program. Investment-property cash-flow programs and owner-occupied financing have different requirements.

Apply Now →

Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.

FHA loans are insured by the Federal Housing Administration and offered through participating lenders. They may be an option for eligible first-time or repeat homebuyers purchasing a principal residence.

What to consider

• Borrowers must meet applicable credit, income, property and occupancy requirements.
• FHA mortgage insurance generally includes upfront and annual charges.
• Eligibility after past credit events depends on program requirements and lender review.
• FHA financing is generally for a principal residence, rather than a vacation home or investment purchase.

Apply Now →

Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.

A debt service coverage ratio (DSCR) loan is an investment-property financing option that evaluates qualifying property income relative to the debt-service expenses specified by the lender.

What to consider

• Designed for eligible investment scenarios, rather than an owner-occupied primary residence.
• Lenders may review rental income, property valuation, credit, assets and reserves.
• Personal income documentation requirements and DSCR calculations vary by lender.
• Down payment, ownership structure, eligible properties and prepayment terms depend on the program.

Apply Now →

Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.

Foreign-national financing may be available to eligible buyers from outside the United States for qualifying U.S. property purchases or refinances.

What to consider

• Eligible residency, property use and geographic availability depend on the lender and applicable requirements.
• Income, assets, identity and credit documentation may include records from the applicant’s home country.
• Down payment, reserves, loan amounts and acceptable funds vary by lender.
• Ask about currency, translation and document requirements for your circumstances.

Apply Now →

Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.

Hard money financing is an alternative option for eligible real estate investment or business-purpose transactions. Lenders generally place substantial emphasis on the property and proposed transaction.

What to consider

• Bridge, renovation or other investment structures may be available depending on the lender.
• Rates, fees, repayment terms and maturity can differ substantially from conventional financing.
• Some loans may include a balloon payment or prepayment charge.
• Property, borrower qualifications, documents and closing conditions still require lender review.
• A particular closing date or approval is not guaranteed.

Apply Now →

Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.

Refinancing replaces an existing mortgage with a new loan. Your goals may include changing your interest rate or loan term, accessing available home equity, or exploring alternative financing for an investment property.

Refinance options include:

• Rate and term refinance: Explore a new interest rate, repayment term, or loan structure.
• Cash-out refinance: Use available equity to obtain funds at closing, subject to lender requirements.
• Hard money refinance: Explore property-focused financing for real estate investment needs.

Your available options depend on your equity, property, credit profile, documentation, and lender guidelines.

Apply Now →

Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.