Fast Pre-Approvals
Streamlined digital process so you can shop confidently and close quicker.
Your Mortgage, Simplified — Fast Approvals. Smart Rates. Expert Guidance.
From Conventional, FHA & VA to Non-QM, HELOC and DSCR — BD Mortgage Group delivers the right loan for homebuyers, homeowners and investors across FL, GA, CA, TX, PA, NJ, and VA.
Mortgage Calculator
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Why Choose BD Mortgage Group
Personalized lending, transparent guidance, and a full suite of residential, non-QM, investment, and commercial solutions.
Flexible Options
From FHA & VA to Bank-Statement, DSCR, and Asset-Depletion programs.
Expert Guidance
Seasoned loan specialists who speak your language—no jargon, no surprises.
Multi-State Coverage
Licensed across FL, GA, CA, TX, PA, NJ, VA with local market know-how.
Local expertise across 7 states
Click a state to see popular loans and start your application.
Florida
FHAConventionalHELOCDSCRJumbo
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Georgia
FHAVAConventionalNon-QMDSCR
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California
JumboNon-QMDSCRHELOCRefinance
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Virginia
VAConventionalFHAHELOCDSCR
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Texas
FHAVADSCRHELOCConventional
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Pennsylvania
ConventionalFHAHELOCRefinance
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New Jersey
ConventionalJumboHELOCNon-QM
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Loan Programs
Start with our most-requested programs. Choose a category and explore your options.
FHA
Lower down payments and flexible credit guidelines.
Start FHA options →FHA 203K
Combine purchase and renovation costs into one loan.
Explore 203K →VA
Zero down payment and no PMI for eligible veterans.
See VA benefits →Conventional
Competitive fixed or adjustable rates for qualified buyers.
Check eligibility →USDA
No down payment for eligible rural properties.
Check property eligibility →First-Time Homebuyer
Low down payment paths and guidance from start to close.
Get a plan →Construction-to-Perm
One-time close covering construction and permanent mortgage.
Plan your build →Down Payment Assistance
Grants and assistance programs that can reduce upfront costs.
See assistance options →Reverse Mortgage
Tap home equity for homeowners aged 62+.
Explore reverse →HELOCs
Flexible line of credit using your home’s available equity.
See HELOC options →Jumbo
Financing above conforming limits for high-value homes.
Discuss jumbo rates →Refinance
Lower payment, shorten term, or cash-out options.
Compare refi options →DSCR
Qualify investment properties using rental cash flow.
Check DSCR options →Bank Statements
Use personal or business statements—great for self-employed.
See bank-statement loans →Profit & Loss
P&L-based qualification with CPA or preparer validation.
Explore P&L loans →1099 Only
Qualify using 1099 forms without full tax returns.
See 1099-only loans →VOE Only
Verification-of-Employment approvals with streamlined docs.
Explore VOE-only →Asset Depletion
Qualify using liquid assets converted to imputed income.
Review asset-depletion →Fix & Flip
Short-term rehab financing for investors and builders.
Get fix-and-flip rates →Commercial Real Estate
Acquisition, refinance, or bridge loans for income-producing properties.
Explore commercial loans →SBA 7(a) & 504
Government-backed financing for real estate, equipment, and working capital.
See SBA options →Equipment Financing
Fund new or used equipment with flexible terms.
Check equipment financing →Business Line of Credit
Revolving access to working capital for ongoing expenses.
Open a line of credit →Working Capital
Short-term funding to smooth cash flow and fuel growth.
Get capital options →Commercial Refinance
Lower payments or pull cash out of existing commercial properties.
Review commercial refi →Loan Programs – FAQ
Will checking my options affect my credit?
No—reviewing options through our form will not impact your credit score. A hard inquiry only happens if you choose to proceed with a full application.
How long does pre-approval take?
Most applicants receive a same-day decision once key documents are submitted. Timelines vary by loan type and complexity.
What documents do I need?
Typically: government ID, recent pay stubs, W-2s or tax returns, and bank statements. Self-employed and Non-QM borrowers may need additional documentation.
Do I need 20% down?
No. FHA, VA, USDA, and Down Payment Assistance can allow much lower (or zero) down payments depending on eligibility.
Can I lock my rate?
Yes. Rate-lock options are available after application and vary by program and market conditions. We’ll review lock length and costs with you.
Mortgage Knowledge Hub
What affects my mortgage rate?
Credit score, loan type, loan-to-value ratio, and market conditions all play a role. Our advisors shop dozens of lenders to secure the lowest rate for your profile.
How fast can I close?
Many of our clients close within 14-21 days. Upload documents digitally and we handle everything else.
Should I refinance now?
Refinancing can lower your payment or shorten your term. Use our calculator to compare your current loan vs. today’s rates.
How do down payments work?
FHA allows as low as 3.5%, VA and USDA 0%, and conventional loans start at 3–5%. We’ll help you find the right fit.
Ready to Get Pre-Approved?
Find out what you qualify for today — no credit impact, no obligation, and lightning-fast approvals.
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★★★★★ 4.9/5 Rated by 300+ Homeowners | NMLS #1636013 | Equal Housing Lender
© 2025 BD Mortgage Group LLC. BD Mortgage Group is a licensed mortgage brokerage providing home loan solutions. Home lending products are offered through BD Mortgage Group LLC, NMLS ID #1636013 (https://nmlsconsumeraccess.org), a licensed mortgage brokerage operating in Florida (FL), Georgia (GA), California (CA), Texas (TX), Virginia (VA), Maryland (MD), Washington, D.C. (DC), New Jersey (NJ), and Pennsylvania (PA). BD Mortgage Group LLC is headquartered in St. Petersburg, Florida. Loan products and services are subject to state and federal regulations and may not be available in all states. BD Mortgage Group LLC is an Equal Housing Lender. Licensed by the N.J. Department of Banking and Insurance. BD Mortgage Group LLC partners with a network of real estate professionals to provide home financing solutions. We do not directly offer real estate, title insurance, or home inspection services. Our role is to facilitate mortgage solutions tailored to our clients' needs. Equal Housing Opportunity. linktr.ee/bdmortgagegroup. All rights reserved.