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*24HR PRE-APPROVAL: SELF-EMPLOYED • NO INCOME DOCS • DSCR • 1ST-TIME* (FLORIDA)
license info:
NMLS #1469248
offered in person
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Here are the advantages of working with a mortgage broker:
Estas son las ventajas de trabajar con un corredor hipotecario:
- ONE CALL, ACCESS TO 250+ WHOLESALE LENDERS: banks sell you their own products, I shop your loan for the program that fits YOU.
UNA LLAMADA, ACCESO A MÁS DE 250 PRESTAMISTAS MAYORISTAS: los bancos le venden sus propios productos, yo busco el programa que le conviene a USTED. - PRE-APPROVED IN 24 HOURS: of a complete application, in most cases the same day.
PREAPROBADO EN 24 HORAS: de recibir su solicitud completa, en la mayoría de los casos el mismo día. - CLOSE FASTER: the average purchase loan took 36.8 days to close (ICE, March 2026). Our goal: about 20 days.
CIERRE MÁS RÁPIDO: el préstamo de compra promedio tardó 36.8 días en cerrar. Nuestra meta: unos 20 días. - SAVE MONEY: borrowers save an average of $10,662 over the life of the loan using a broker. Bring me any Loan Estimate. If I can't beat it, I'll tell you straight.
AHORRE DINERO: los clientes ahorran en promedio $10,662 usando un corredor. Tráigame cualquier cotización. Si no la puedo mejorar, se lo digo claro. - WE WORK WITH UWM: the nation's #1 wholesale lender 11 years running.
TRABAJAMOS CON UWM: el prestamista mayorista #1 del país por 11 años consecutivos.
REAL ESTATE INVESTORS | INVERSIONISTAS
- DSCR loans: as little as 20% down, qualify with the property's rent, no personal income docs | Préstamos DSCR: desde 20% de inicial, califique con la renta, sin documentar ingresos personales
- Short-term rental and Airbnb properties | Propiedades de alquiler a corto plazo y Airbnb
- Foreign nationals: 25% down, no U.S. credit score needed, up to $2.5M | Extranjeros: 25% de inicial, no necesita crédito en EE.UU., hasta $2.5M
- Fix & flip and bridge loans | Préstamos fix & flip y préstamos puente
No-ratio loans for your primary residence, up to $2.5 million. | Préstamos no-ratio para su vivienda principal, hasta $2.5 millones.
- Income documentation, income calculation, employment verification: NOT REQUIRED | Documentación de ingresos, cálculo de ingresos, verificación de empleo: NO SE REQUIERE
- 720+ credit: 20% down and 9 months of reserves | Crédito de 720+: 20% de inicial y 9 meses de reservas
- 640+ credit: 35% down and 6 months of reserves | Crédito de 640+: 35% de inicial y 6 meses de reservas
- Bank statement loans: up to 90% LTV, as little as 10% down, no tax returns | Estados de cuenta bancarios: hasta 90% LTV, desde 10% de inicial, sin declaraciones de impuestos
- 1099-only and P&L programs | Programas con solo 1099 o con P&L
- Asset depletion: qualify with your savings and investments | Califique con sus ahorros e inversiones
- FHA: 3.5% down with 580+ credit. 500 credit? 10% down | FHA: 3.5% con crédito de 580+. ¿Crédito de 500? 10% de inicial
- Conventional: as little as 3% down for eligible first-time buyers, otherwise 5% | Convencional: desde 3% para compradores de primera vivienda elegibles, si no 5%
- VA and USDA: 0% down for eligible buyers | VA y USDA: 0% de inicial para compradores elegibles
- DOCTOR LOANS: 100% financing for eligible medical professionals | PRÉSTAMOS PARA MÉDICOS: 100% de financiamiento
- HELOC: 5-minute application, close in as little as 5 days | HELOC: solicitud en 5 minutos, cierre en tan solo 5 días
- Primary, second home and investment properties, personal, trust or LLC | Vivienda principal, segunda o de inversión, a su nombre, fideicomiso o LLC
- Cash-out refinance: turn your equity into cash | Refinanciamiento cash-out: convierta su equity en efectivo
- ITIN mortgages | Hipotecas con ITIN
- Condos up to 90% LTV, including non-warrantable. Send me the building's address and I'll check it | Condos hasta 90% LTV, incluyendo non-warrantable. Envíeme la dirección y lo verifico
- Jumbo, construction, FHA 203k renovation and reverse mortgages (62+) | Jumbo, construcción, remodelación FHA 203k e hipotecas inversas (62+)
Ask me about the 3-2-1, 2-1 or 1-year buydown, or an adjustable-rate mortgage (ARM). | Pregúnteme por el buydown 3-2-1, 2-1 o de 1 año, o por una hipoteca de tasa ajustable (ARM).
A PROGRAM FOR EVERY SITUATION | UN PROGRAMA PARA CADA SITUACIÓN
Call me and I'll show you what we can do. If we can't help you today, we'll map out your route to get you ready for pre-approval. | Llámeme y le muestro lo que podemos hacer. Si no podemos ayudarle hoy, le guiamos paso a paso para prepararse para su preaprobación.
CALL OR TEXT | LLAME O ENVÍE TEXTO: Felix Santos, MBA • 305-930-3777
Text "PREAPPROVAL" to get started | Envíe "PREAPROBACION" para comenzar
Website | Sitio web: https://www.felixsantos.mortgage
Se habla español • Serving all of Florida | Sirviendo a toda la Florida
Programs | Programas: Mortgage, Mortgage Broker, Mortgage Lender, Mortgage Near Me, Home Loan, Home Loans Near Me, Mortgage Pre-Approval, Same Day Pre-Approval, Pre-Qualification, First-Time Home Buyer, First Time Home Buyer Programs Florida, Buy a Home, Buy a House, Buy a Condo, Mortgage Rates, Refinance, Cash-Out Refinance, HELOC, 5-Day HELOC, Fast HELOC, Home Equity Loan, Home Equity Line of Credit, Second Mortgage, FHA Loan, FHA 500 Credit Score, FHA 580 Credit Score, FHA 203k, VA Loan, USDA Loan, Conventional Loan, 3% Down Mortgage, Low Down Payment, Zero Down Mortgage, 100% Financing, Doctor Loan, Physician Mortgage, Jumbo Loan, Non-QM, No Ratio Loan, No Income Verification Mortgage, No Job Verification, Bank Statement Loan, Self-Employed Mortgage, 1099 Mortgage, P&L Loan, No Tax Return Mortgage, Asset Depletion, DSCR Loan, DSCR Lender, Investment Property Loan, Rental Property Loan, Airbnb Loan, Investor Loans, Fix and Flip Loan, Bridge Loan, Hard Money, ITIN Mortgage, Foreign National Mortgage, Non-Warrantable Condo Loan, Condo Loan, Reverse Mortgage, Construction Loan, Renovation Loan, Down Payment Assistance, 2-1 Buydown, 3-2-1 Buydown, Adjustable Rate Mortgage, ARM, Fixed Rate Mortgage, Wholesale Mortgage, UWM, NEXA, Préstamo Hipotecario, Hipoteca, Corredor Hipotecario, Bróker Hipotecario, Prestamista Hipotecario, Préstamos para Casas, Comprar Casa, Comprar Condo, Primera Vivienda, Preaprobación, Precalificación, Tasas Hipotecarias, Refinanciamiento, Cash-Out, Préstamo FHA, Préstamo VA, Préstamo Convencional, Préstamo para Médicos, 100% Financiamiento, Poco Pago Inicial, Sin Pago Inicial, Crédito Bajo, Préstamo Sin Verificar Ingresos, Trabajadores Independientes, Estados de Cuenta Bancarios, Sin Declaraciones de Impuestos, Préstamo ITIN, Préstamos para Extranjeros, Inversionistas, Préstamo DSCR, HELOC en 5 Días, Hipoteca Inversa, Préstamo de Construcción, Condos Non-Warrantable
Areas served | Áreas de servicio: All of Florida, South Florida, Central Florida, North Florida, Southwest Florida, Tampa Bay, Miami, Miami-Dade, Broward, Palm Beach, Hialeah, Miami Beach, Doral, Kendall, Homestead, Coral Gables, Brickell, Aventura, Hollywood, Pembroke Pines, Miramar, Fort Lauderdale, Coral Springs, Pompano Beach, Boca Raton, Delray Beach, Boynton Beach, West Palm Beach, Port St. Lucie, Stuart, Vero Beach, Melbourne, Palm Bay, Daytona Beach, Orlando, Kissimmee, St. Cloud, Winter Park, Winter Garden, Apopka, Sanford, Lake Mary, Oviedo, Clermont, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Brandon, Riverview, Wesley Chapel, Sarasota, Bradenton, Fort Myers, Cape Coral, Naples, Port Charlotte, Ocala, Gainesville, Jacksonville, St. Augustine, Ponte Vedra, Orange Park, Fernandina Beach, Tallahassee, Panama City, Destin, Fort Walton Beach, Pensacola, Key West, Florida Keys
Loan originator NMLS #1469248. NEXA Mortgage, LLC NMLS #1660690. This is not a commitment to lend or an offer of credit. Not all applicants will qualify. All loans are subject to credit, income and property approval. Credit score, down payment, LTV and reserve requirements vary by program and lender. No-ratio loans carry higher rates and/or fees than full-documentation loans. Doctor loans are for eligible medical professionals. Pre-approval timing applies to complete applications. Programs, rates, fees and timelines are subject to change without notice. Savings figure from a Polygon Research study supported by UWM using 2023 HMDA data; individual results vary. NEXA Mortgage, LLC is not an agency of the federal government. Equal Housing Opportunity.
Originador de préstamos NMLS #1469248. NEXA Mortgage, LLC NMLS #1660690. Esto no es un compromiso de préstamo ni una oferta de crédito. No todos los solicitantes califican. Todos los préstamos están sujetos a aprobación de crédito, ingresos y propiedad. Los requisitos varían según el programa y el prestamista. Los préstamos no-ratio tienen tasas y/o cargos más altos que los préstamos con documentación completa. Programas, tasas, cargos y plazos sujetos a cambio sin previo aviso. NEXA Mortgage, LLC no es una agencia del gobierno federal. Igualdad de Oportunidades en la Vivienda.