Your Mortgage, Simplified — Fast Approvals. Smart Rates. Expert Guidance.
No hard credit pull to check options. From Conventional, FHA & VA to Non-QM, HELOC and DSCR — BD Mortgage Group serves FL, GA, CA, TX, VA, NJ, and PA.
★★★★★ Rated 4.9/5 — NMLS #1636013
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Estimates only; not a commitment to lend. Taxes/insurance/PMI are estimates. Subject to credit and underwriting. NMLS #1636013.
Get Pre-Approved — What You’ll Need & How to Start
Fast, digital, and human. No hard credit pull to check options.
Documents Needed for a Pre-Approval Letter
Photo ID Pay Stubs W-2s / 1099s
Bank Statements Tax Returns (if self-employed) Residence History
Identification: Driver’s license or passportIncome: 30 days of pay stubs; W-2s (2 yrs); Self-employed : 12–24 mo. bank statements and/or CPA P&LAssets: Last 1–2 months of bank/brokerage statements (all pages)Debts: Student loans, auto loans, credit cards, alimony/child support (if applicable)Refinance: Current mortgage statement & homeowner’s insurance declarations
3 Steps to Apply
1 Tell us your goals. Take the 60-second Loan Match Quiz to see programs you qualify for.
2 Upload documents. Secure portal (mobile-friendly). Hard pull only when you’re ready to proceed.
3 Lock your plan & get your letter. We finalize your Pre-Approval so you can shop confidently.
Not ready to apply? Save your options.
Text me today’s lowest rate
Email me a custom rate sheet
Loan Programs
Choose a category and explore options tailored to your goals.
Residential
Investment / Non-QM
Specialty Loans
Business / Commercial
FHA Lower down payment and flexible credit guidelines.
Start FHA → First-Time Homebuyer Low down payment paths & guidance.
Get a plan →
DSCR Qualify using rental income vs payment (investor cash-flow).
DSCR options → Bank Statement 12–24 mo. statements—ideal for self-employed.
See programs → Asset Depletion Impute income from liquid assets.
Learn more → Bridge Loans Short-term financing to acquire or transition before take-out.
Bridge options →
Hometown Heroes (FL) Florida program helping eligible community workers with down payment & closing cost assistance.
See FL Hometown Heroes → Reverse Mortgage Tap home equity if you’re 62+ to reduce payments or get cash flow.
Explore Reverse → FHA 203K Finance purchase + renovations in a single loan (Standard & Limited).
See 203K → Down Payment Assistance Local/state grants & forgivable assistance to reduce cash to close.
Find DPA → Bridge Loans Short-term, interest-only funds to buy now and sell/refi later.
Bridge options → ITIN Loans Qualify using an ITIN; tailored doc paths for credit and income.
ITIN options → Non-Warrantable Condo Solutions when HOA/reserves/occupancy don’t meet agency rules.
Condo solutions → Manufactured / Modular Financing for eligible manufactured and modular homes.
See eligibility → HomeStyle® Renovation Conventional renovation — combine purchase + improvements.
Explore HomeStyle → FHA Streamline Refi For current FHA borrowers — simplified docs, often no appraisal.
FHA Streamline → VA IRRRL (Streamline) Fast rate reduction for eligible veterans — minimal documentation.
VA IRRRL → Temporary Rate Buydowns 2-1 / 3-2-1 buydowns for lower payments in year 1–3.
See buydowns → Expanded Credit / Recent Event Shorter seasoning after BK/foreclosure/short sale.
Check eligibility → Non-QM and specialty loans are not agency-insured and may involve additional risk, cost, or documentation. Availability varies by state and investor guidelines. Not all borrowers will qualify.
SBA 7(a)
Working capital, acquisitions, partner buyouts, and real estate—flexible use of funds.
SBA 7(a) →
SBA 504
Owner-occupied CRE and major equipment—longer terms, lower payments.
SBA 504 →
Owner-Occupied CRE
Purchase/refi for office, medical, retail, warehouse; amortizations up to 25–30 yrs.
Owner-Occ CRE →
Investor CRE
Multi-tenant retail, office, industrial; DSCR-driven underwriting and flexible terms.
Investor CRE →
Multifamily (5+ Units)
Acquisition/refi for small-balance to mid-market apartments; interest-only options.
Multifamily →
Bridge Loans
Short-term capital for acquisitions/renovations while stabilizing or before take-out.
Bridge →
Construction / Renovation
Ground-up or heavy reno for CRE and multifamily; staged draws and interest-only.
Construction →
Business Line of Credit
Revolving LOC for inventory, payroll, and seasonal cash-flow gaps.
Line of Credit →
Equipment Financing
New/used equipment with flexible terms; conserve cash and preserve working capital.
Equipment →
Asset-Based Lending
Borrow against AR/inventory/equipment for fast access to working capital.
ABL →
Commercial programs are subject to underwriting and property type, occupancy, and market conditions. Availability varies by state and investor guidelines. Not all borrowers will qualify.
We Serve Homebuyers Across the U.S.
Licensed in Florida, Georgia, California, Texas, Virginia, New Jersey, and Pennsylvania.
Florida (FL)
FHA, Conventional, VA, Jumbo. Includes Hometown Heroes assistance for eligible FL workers.
Get the Homebuyer Guide (PDF)
Understand down payments, closing costs, credit, and the step-by-step mortgage process.
Most-Searched Mortgage FAQs
Grouped by topic so you find answers faster.
Buying
▼ How much house can I afford?Target housing (PITI + HOA + PMI) ≤ 28%–31% of income and total debt ≤ 36%–45% depending on program. We’ll model with your numbers.
▶ Do I need 20% down?No. Conventional can be 3% , FHA 3.5% , and VA/USDA may allow 0% if eligible. Jumbo varies.
▶ How long is a pre-approval valid?Typically 60–90 days . We refresh quickly with updated docs and credit if needed.
▶ What if the appraisal comes in low?Options include renegotiation, bringing funds, changing program/terms, or requesting a reconsideration of value.
Refinancing
▶ When does a refinance make sense?If you can reduce your rate, shorten term, remove PMI, or access cash-out with reasonable costs. We’ll run the breakeven vs your timeline.
▶ FHA Streamline vs VA IRRRL?FHA Streamline (for current FHA) and VA IRRRL (for eligible VA) are simplified refis; often limited docs and in many cases no appraisal.
Programs
▶ What is PMI and when can I remove it?PMI applies to many Conventional loans <20% down. It can auto-drop at 78% LTV or be requested at 80% LTV with a clean history; FHA MIP rules differ.
▶ What are seller concessions and limits?Seller-paid costs are allowed within program limits (e.g., 3–6% for many Conventional). We’ll structure your offer to stay compliant.
▶ Can I use gift funds?Often yes from an eligible donor with documentation. We provide the gift letter and transfer steps your program requires.
Credit & Rates
▶ What credit score do I need?Many programs approve above 580's range . Higher scores usually mean better pricing and mortgage insurance.
▶ Rate vs APR — difference?Rate is interest cost; APR includes certain fees/points so you can compare offers.
▶ Should I pay points or take a lender credit?Points lower rate; credits reduce cash-to-close. We’ll calculate the breakeven based on how long you’ll keep the loan.
▶ How do rate locks work?Common lock periods are 30–60 days . Extensions and float-downs may be available depending on program and market.
Call (727) 761-6111
Loan Match Quiz
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