A mortgage for every Purchase

Our team can help you with the financing of your new property. We are licensed Loan officers and have experience in financing residential and commercial real estate.

With insights and advice on how to access
programs with the lowest rates and most attractive terms. Our powerhouse team will make your financing process fast and smooth all while protecting your financial interest..

Different financial product are available, besides the traditional mortgages. See below a few of our programs, also for foreign nationals.

Contact  for any  questions or  to obtain your pre-approval letter.

Tessa Neva Trlaja NMLS ID: 2089427

Tessa Neva Trlaja

Broker Associate & Loan Officer

Areas of focus: Miami Beach and surrounded areas

Language Spoken: Dutch, English


A mortgage pre-approval letter from a lender assures you, sellers, and real estate agents that you have the ability to complete the purchase of any home that meets the lender’s guidelines. Mortgage pre-approval shows you what you can afford to spend and what your monthly payment will look like. Mortgage pre-approval is not merely pre-qualification. While a pre-qualification letter is better than nothing (at least you put some thought into your prospective purchase), it can’t compete with an offer from a pre-approved buyer.

To secure a mortgage pre-approval, you must complete a mortgage application and submit all required documents, which typically are

  • Pay stubs and W-2s (typically two years) 
  • Tax returns (typically two years if self-employed or you earn commissions or bonuses) •
  • Bank, retirement and investment account statements (two to 12 months, depending on loan) •
  • Financial statements (if self-employed) •
  • Letters of explanation for credit blemishes •
  • Divorce decrees, if you pay or receive spousal or child support

In some cases, you can get loans with different programs, which, for example, are based on the last 12 or 24 months of bank statements. Other types of loans are available to foreign buyers who do not have a credit or tax history in the United States.

See below a couple different programs and what they require.

FHA High Balance

  • Loan amount up to $1,089,300 depending on home location
  • Primary residence,second home and investment property
  • Condo financing available


  • Down payment from 3.5%
  • Flexible credit score requirements
  • Fixed or adjustable rates for 30- or 15-year terms are available​​​​​​​

FHA Streamline

  •  No appraisal, no income documentation required
  •  You must have made at least six payments on your FHA mortgage
  • To qualify, you are required to be current on your monthly loan payments​​​​​​​

Loan Programs

Foreign Nationals

  • Up to 75% Loan to Value
  • No credit score or min Fico score 650
  • Yes to foreigners with visa

Program Highlights

  • Loan amount up to 2 million
  • Cash out allowed
  • DSCR as low as 0
  • CPA Letter last 2 years & year to date
  • One bank reference
  • Overseas assets allowed as reserves
  • Gift Funds allowed
  • Temporary rate buydown allowed

Assets Utilization

  • Up to 80% Loan to value
  • Min Fico score 599
  • Yes to High net worh Individuals with liquid assets

Program Highlights

  • Cash-out up to 80% CLTV
  • Savings and checking at 100%
  • Securities at 100%
  • Retirement at 70%
  • Income calculation- all eligible assets divided by 60
  • Temporary rate buydowns available
  • Super Prime and Prime Programs


  • No score or min. Fico 599
  • up to 80CLTV
  • Yes to employees without tax returns

Program Highlights

  • Loan amount up to $4 Million
  • DTI up to 55%
  • Cash-out available
  • Completed FNMA form 1005 for 2-year history with same Employer
  • Super Prime & Prime Programs
  • Temporary rate buydowns available


  • No score or min. Fico 599
  • Up to 85% CTLV
  • yes to 1099 contractors
  • Owner occupied & investor loans

Program Highlights

  • Loan amount up to $4 Million
  • DTI up to 55%
  • Cash-out available
  • Completed FNMA form 1005 for 2-year history with same Employer
  • Super Prime & Prime Programs
  • Temporary rate buydowns available

Loan Programs

Full Doc Non- QM

  • Up to 90% CTLV
  • Condos up to 90% CTLV
  • No Score or Fico 599
  • Yes to agency fallout borrowers

Program Highlight

  • Loan amount up till $4 million
  • Max cash-in-hand $1 million, no limit for LTV < 55%
  • 30 & 40 year fixed, 5/6 & 7/6 ARM
  • 2 year credit event allowed
  • Traditional Income
  • Super prime and Prime Programs
  • Condotels up to 70% CTLV
  • Temporary rate buydowns available

1 year and 2 year P&L ONLY

  • No Bank statements required
  • No score or min Fico score 660
  • Yes to Business owners​​​​​​​

Program Highlight

  • up to 80% CLTV on 2 year and up to 80% CLTV on 1 year
  • Loan amount up to $4 million
  • P&L by licensed CPA, enrolled tax agent or licensed tax prepared
  • 3 months reserves
  • DTI up to 55% for owner- occupied
  • Max cash-in-hand $1 million no limit to CLTV < 55%
  • Temporary rate buydowns available


  • No Income
  • up to 80%
  • Min. Fico 620
  • Yes to Real Estate investors

Program Highlights

  • Loan amount up till $3 million
  • Max cash-in- hand $1 million, no limit for CLTV < 55%
  • 30 & 40 year fixed, 5/6 & 7/6 ARM
  • No income, No employment
  • DSCR as low as 0 ( min Fico 680)
  • Eligible for non-permanent residents and foreign nationals
  • Ownership of any property within the past 24 months
  • 1-4 units, condotels, non-warrentable condos  allowed
  • Mix-used and multi-family (5-8 units allowed
  • Min borrower contribution is 20%

12 & 24 Months Bankstatement loans

  • LTV up to 90%
  • Credit as low as 600

Program Highlights

  • Unlimited Cash in Hand
  • No trade lines requirement w/ 3 scores
  • Mortgage History 0x90x12
  • Condotels & Non-Warrantable Condos
  • Loan amounts as high as $4m(>$4m on an exception basis)

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