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Florida Home Mortgage Loans
Whether you’re buying, refinancing, or exploring the best loan strategy— our Loan Officers are here for you and specializes in FHA, VA, Conventional, Non-QM, DSCR, Bank Statement, Hard Money Loans, and Commercial Real Estate loans.
Competitive Rates
We monitor the market daily to ensure you get access to some of the most competitive rates available in Florida.
Fast Closings
Purchase or refinance—our streamlined process gets you to the closing table quickly.
Transparent Guidance
You're never left in the dark. Our team communicates proactively at every stage of the loan
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Based in Lake Worth, FL, we understand Florida’s unique markets, neighborhoods, and lending landscape.
Full-Service Support
From pre-approval to closing, our specialists support you 7 days a week.
Home Mortgage Loan Rates are constantly changing, and Mortgage Capital helps you secure the most competitive rate available for your purchase or refinance.
- Daily Rate Monitoring: Stay informed with real-time updates on Home Mortgage Loan Rates.
- Flexible Loan Programs: FHA, VA, Conventional, DSCR, Bank Statement & Hard Money options.
- Lower Borrowing Costs: Competitive rates designed to reduce your long-term interest expenses.
- Fast & Accurate Pre-Approvals: Know your buying power and rate options within minutes.
- Expert Guidance: Local Florida mortgage specialists dedicated to pairing you with the best rate for your goals.
LOAN PROGRAMS
FHA Loans
Ideal for first-time buyers or lower down payment needs.
VA Loans
Exclusive benefits for active-duty service members and veterans.
Conventional Loans
Flexible financing for high-value Florida properties.
Rate & Term Refinance
Perfect for rental properties and investors seeking strong cash flow.
Cash-Out Refinance
Bank statement, asset-based, 1099, and alternative documentation programs.
Home Equity Loans & Lines of Credit
Move into your new home before selling your current one with ease.
BUYING A HOME? WE MAKE IT EASY.
Strong Pre-Approvals That Win Offers
Stand out in competitive Florida markets with a fully reviewed pre-approval.
Agent-Friendly Communication
We collaborate directly with your real estate agent to make your offer stronger.
Fast, Predictable Timelines
Our streamlined process keeps your deal moving without delays.
REFINANCE WITH CONFIDENCE
Whether you’re lowering your payment, pulling cash out, or shortening your term—Mortgage Capital gives you clarity, options, and savings.
Our Refinance Benefits:
- Free refinance analysis
- Accurate savings comparisons
- Potentially no out-of-pocket costs
- Options to remove PMI
- Cash-out programs for renovations, investment, or consolidatio
FEATURED LOAN PROGRAMS
30-Year Fixed Rate Loan
Lower predictable payments designed for long-term budgeting.
First-Time Homebuyer Advantage Program
Reduced down payment options + cost-saving benefits.
0% Bridge Loan Program
Buy now, sell later—no monthly payments until your old home closes.
Florida Investor Loans (DSCR)
Approval based on property cash flow—not personal income.
FHA + VA Special Programs
Flexible credit options with competitive rates.
Non-QM, Private Money Lenders & Hard Money Loans
DSCR Rental Loans
Our Florida DSCR (Debt Service Coverage Ratio) Rental Loans help real estate investors qualify using property cash flow instead of personal income. Fast approvals, flexible credit guidelines, and competitive terms make DSCR financing ideal for scaling rental portfolios across Florida with ease and speed.
Hard Money Lenders
Florida Hard Money Lender Loans provide fast, asset-based financing for real estate investors who need quick closings, minimal documentation, and flexible terms. Perfect for fix-and-flip projects, distressed properties, competitive offers, or time-sensitive opportunities where traditional banks are too slow or restrictive.
Bank Statement Loans
Our Florida Bank Statement Loans allow self-employed borrowers to qualify using 12–24 months of bank deposits instead of tax returns. Ideal for entrepreneurs, contractors, and business owners seeking flexible income verification, higher approval odds, and faster closings without the strict documentation required by traditional mortgage programs.
Private Money Lenders
Our Florida Private Money Lenders offer relationship-based funding built on speed, flexibility, and customized loan terms. Great for investors needing creative financing solutions, higher leverage options, or approvals on properties that banks won’t touch.
Asset Based Lending
Our Florida Asset Based Lending delivers funding secured by the strength of the property—not your income. Perfect for investors acquiring, refinancing, or leveraging real estate assets with streamlined underwriting, competitive terms, and fast access to capital.
New Construction Loans
Our Florida New Construction Loans provide builders and investors with phased funding for land acquisition, development, and full build-outs. Ideal for spec homes, infill projects, and ground-up residential construction with flexible draws and fast approvals.
Foreign National Loans
Our Florida Mortgage Brokers offer Foreign National Loans for Non-Residents allow international buyers to invest in U.S. real estate without U.S. credit or income verification. Flexible guidelines, low documentation requirements, and fast closings make these loans ideal for investors.
Blanket Mortgage Loans
Our Florida Blanket Loans let investors consolidate multiple properties under one loan for easier management, improved cash flow, and stronger leverage. Great for portfolio investors seeking streamlined financing for acquisitions, refinances, or expansions.
FAQ
When will rates drop?
There are no guarantees, but we think rates could fall significantly in the coming months, based on the predictions of numerous macroeconomic experts we follow. Buying when rates are higher can still be an advantage due to reduced competition, with the potential to refinance into a lower rate as conditions improve.
Is there another way to get a lower rate?
We have numerous tools to help you lower your rate and payment if you buy in a higher interest rate environment. For information in regard to any of this, we encourage you to reach out to one of our experts at JVM Lending.
How do I know if I qualify for a JVM Rate Drop Free-fi™?
You qualify for a JVM Rate Drop Free-fi™ if you close on your home purchase with JVM Lending anytime between October 24, 2022, and December 31, 2026. As long as your closing date falls within this period, you’re eligible to take advantage of this offer.
FEATURED LOAN PROGRAMS
Whether you’re buying, refinancing, or exploring the best loan strategy—Mortgage Capital is here to guide you.
Address
6801 Lake Worth Road, Suite 322, Lake Worth, FL 33467
OUR SERVICE AREAS
Palm Beach County
Broward County
Miami-Dade County
St. Lucie County
Martin County
Okeechobee County