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Specialized Florida Mortgage Solutions
for Buyers Most Lenders Struggle With

From foreign nationals and real estate investors to self-employed borrowers — we offer flexible loan programs, fast prequalification, and expert guidance that traditional lenders often can’t provide.

Foreign National
Buyers

Financing for non-U.S. citizens. No U.S. credit or income required.

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Investors & DSCR
Loans

Qualify using rental income, not tax returns. Perfect for real estate investors.

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Self-Employed
Borrowers

Bank statement, 1099, and P&L loans for business owners.

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Florida Grant
Stacking

We combine multiple state, county & city programs to lower your out-of-pocket costs.

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FHA, VA &
Conventional

Competitive rates and flexible programs for every type of borrower.

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International Buyer?
Get Pre-Qualified in Minutes

Our Foreign National Quick Pre-Qualification is designed for non-U.S. citizens looking to buy property in Florida.

  • No U.S. credit history required
  • Fast & secure process
  • Investor & primary residence options
Start Foreign National Prequalification

Get Prequalification Letter Instantly
to Your Email When You Apply

Sellers and real estate agents often expect a pre-qualification letter from a lender. Don’t risk losing the home you love.

  • Instant Pre-Qualification Letter
  • Stronger offers, more credibility
  • No cost, no obligation
Get Pre-Qualified Now

Did You Know? You Can Stack Florida’s Down Payment Grants

Most buyers — and many loan officers — only check one program. We specialize in identifying and combining multiple state, county, and city programs to significantly reduce your cash needed at closing. It could save you thousands.

Explore DPA Programs
Hometown HeroesUp to $35,000 as a 0% second mortgage for teachers, healthcare workers, first responders, and more.
FL AssistUp to $10,000 as a deferred second mortgage. Available statewide for first-time homebuyers.
County & City GrantsMany local grants up to $10,000 that can be stacked with state programs for even more help.

Loan Programs for Every Situation

Foreign National DSCR / Investor Bank Statement 1099 / Self-Employed FHA VA Conventional
Start Your Application
Included After Closing: Free Rate Watch — We monitor rates so you know when refinancing makes sense. No cost. No obligation. No spam.

Ready to Get Started?

Whether you’re a first-time buyer, a seasoned investor, or looking to refinance, I’m here to help you navigate the process and find the best deal. Reach out today for a no-obligation consultation.

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1st Capital Group as dba of GFL Capital Mortgage Inc | Company NMLS #64367 | Licensed Mortgage Lender in the State of Florida | Equal Housing Lender

Information is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply.

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