Pineyro Capital Group Inc.
Pineyro Capital Group Inc., NMLS 420112, brings together over 50 years of collective real estate expertise exclusively within the State of Florida. Our seasoned team stands ready to cater to all your mortgage requirements. Whether you're a first-time homebuyer without a down payment, seeking to acquire a second home, or an investor aiming to initiate or expand a real estate portfolio, we deliver results. With access to a vast network of over 200 lenders and more than 800 distinct loan options, we're confident in our ability to tailor a loan program to suit every borrower's needs.
Reach out to our team of licensed professionals today.
Home Purchases
We can assist you in all areas of the purchase process from selecting the right title company to the all important loan program selection. Rely on our expertise to keep your expenses down while maximizing your equity position throughout the life of your loan.
Credit Problems?
Credit Problems are no problem for our team of mortgage selection specialists. We can provide any number of options to even the most credit challenged people. Allow us to take the time to go over your situation with you in detail. You won’t be disappointed.
Too Much Debt?
Many options are available for debt consolidation from HELOC (Home Equity Line of Credit) to Seconds and other Debt Consolidation instruments – call one of our knowledgeable Loan Officers today for a free consultation.
No Income Verification?
No income verification loans, also known as lite doc loans, offer an alternative financing solution for borrowers who may have difficulty providing traditional income documentation. In Florida, these mortgage options provide flexibility for self-employed individuals, investors, or those with unconventional income sources. Lite doc loans typically require minimal documentation, streamlining the application process and enabling borrowers to access financing for homes or investments without the need for extensive income verification.
Loan Programs
PORTFOLIO FLORIDA LENDERS
Buy a property just 1 day after foreclosure, short sale, or bankruptcy, even with a credit score as low as 500. Secure loans of up to $2M with credit scores as low as 500. Enjoy up to 75% loan-to-value ratio and opt for a 30-year fixed-rate mortgage with no prepayment penalties on owner occupied transactions.
BANK STATEMENT ONLY
Must be self-employed a minimum of 1 year. Must have 3 trade lines for 12 months on the credit report. Transfers from business account OK! No tax returns needed. 12 or 24 monthsbank statements used to qualify. Up to 90% LTV up to 55% DTI. No seasoning after a Florida short sale or Florida foreclosure. 2nd homes and investment properties OK!
JUMBO FLORIDA MORTGAGE
If your mortgage amount exceeds the current conforming home loan limit (usually $766,550), a Jumbo loan is likely the best option for you. Jumbo mortgage loans in Florida are designed for buyers seeking financing for high-value properties that surpass conventional loan limits. Ideal for purchasing luxury homes or properties in high-cost areas across the state, these loans provide flexibility and resources tailored to accommodate larger loan amounts. With competitive interest rates and terms, Jumbo loans empower buyers to navigate Florida's upscale real estate market with confidence, whether it's waterfront estates, upscale condominiums, or sprawling estates, making luxury living aspirations a reality.
FLORIDA REVERSE MORTGAGE
A reverse mortgage, akin to a conventional mortgage, lets homeowners borrow against their home's equity without relinquishing ownership. Unlike a traditional mortgage, there are no monthly payments; instead, the loan is repaid once the homeowner no longer resides in the property. Interest and fees accrue monthly, gradually increasing the loan balance. Homeowners must still cover property taxes, insurance, maintain residency, and upkeep the property.
GOVERNMENT FLORIDA MORTGAGE
A government-insured mortgage is just what it sounds like: a mortgage loan that is insured by the government. Government-insured mortgages are sometimes referred to as government-backed mortgages, but the definition is the same. It means that the mortgage is backed by the government. A few types of Government Backed Mortgage Loans in Florida are: FHA, VA, USDA, Reverse Mortgage, Fannie Mae, and Freddie Mac.
INVESTOR FLORIDA MORTGAGE
Investor mortgages in Florida cater to various strategies, including DSCR (Debt Service Coverage Ratio), fix and flip, bridge loans, residential-commercial, ground-up constructions, and more. These versatile mortgage options empower investors to seize opportunities in the dynamic Florida real estate market. Whether investors aim to generate rental income, renovate properties for quick resale, or embark on new construction projects, tailored financing solutions provide the flexibility needed to thrive in Florida's ever-changing property landscape.
NON QM FLORIDA MORTGAGE
Non-QM (Non-Qualified Mortgage) loans in Florida present a diverse array of financing options beyond traditional mortgage standards. These loans are designed to cater to borrowers who may not meet conventional lending criteria, offering flexibility and accessibility. In Florida, non-QM loans come in various forms, including No Ratio loans, Bank Statement loans, 1099-only loans, P&L Only loans, and a myriad of other specialized products. They provide alternatives for self-employed individuals, investors, and those with unique financial situations. With Non-QM loans, borrowers have the opportunity to secure financing tailored to their specific needs, enabling them to achieve their homeownership or investment goals in Florida's dynamic real estate market.
FOREIGN NATIONAL - ITIN
Foreign national and ITIN (Individual Taxpayer Identification Number) loans provide valuable options for individuals without U.S. citizenship or a Social Security Number to access financing for real estate in Florida. These specialized loan programs cater to non-residents and those without traditional U.S. tax documentation. Foreign national loans typically require a valid passport, visa, and proof of income from abroad, offering opportunities for international investors and buyers to participate in the Florida real estate market. Similarly, ITIN loans are tailored for individuals with an ITIN rather than a Social Security Number, enabling them to pursue homeownership or investment opportunities in the state. These loan programs play a crucial role in fostering diversity and inclusivity in Florida's real estate landscape.
Let’s Talk
Ready to purchase a property and need help with financing? Get in touch to find out how I can help with your mortgage needs.