// MORTGAGE SOLUTIONS
// NAVY + GOLD

// loan_programs()

> click any program for detailed specifications

Agency & Government

[6]

Conforming, FHA, VA, USDA, Jumbo, and renovation (203k)

> Conventional (Conforming)

Credit Score:620+
> Fannie Mae & Freddie Mac eligible

> FHA Loans

Credit Score:500+
> Qualifying credit from 580

> VA Loans

Credit Score:500+
> Zero down with full entitlement

> USDA Loans

Credit Score:620+
> No down payment in USDA-eligible areas

> Jumbo & Super Jumbo Loans

Credit Score:700+
> Above $806,500 conforming limit, all the way up to $30M for ultra-high-net-worth buyers

> Renovation Loans (203k / HomeStyle)

Credit Score:620+
> Finance purchase + repairs in one loan

Down Payment Assistance

[6]

State, county, and federal DPA programs — pair with a 1st mortgage

> Florida Hometown Heroes

Credit Score:640+
> Down payment + closing cost assistance

> Florida Assist (FL Assist DPA)

Credit Score:640+
> $10,000 second-mortgage DPA for first-time buyers

> HFA Preferred (Conv. + DPA)

Credit Score:640+
> Assistance sized against the first mortgage

> Chenoa Fund DPA (Nationwide)

Credit Score:600+
> DPA via the FHA channel — nationwide

> HUD Good Neighbor Next Door

Credit Score:580+
> 50% off the HUD-listed home price (silent 2nd forgiven after 3 yrs)

> Local County DPA (SHIP / HOME)

Credit Score:620+
> Miami-Dade, Broward, Palm Beach, Lee, Collier & 50+ FL counties

Self-Employed & Non-QM

[4]

Bank statement, 1099, and asset-depletion qualifying — no tax-return path

> Bank Statement Loans

Credit Score:660+
> 12 or 24 months personal or business bank statements (multiple accounts may be combined)

> 1099 Income Loans

Credit Score:660+
> Qualify on 1099 gross income (1-2 yr history)

> Asset Qualifier / Asset Depletion

Credit Score:700+
> Qualify on liquid assets — no income docs required

> Pledged Asset Loans

Credit Score:700+
> Pledge a brokerage / investment portfolio instead of liquidating it — keeps capital gains deferred and the portfolio working

Investor & Bridge

[7]

DSCR rentals, fix-and-flip, bridge, and ground-up construction

> DSCR / Rental Property

Credit Score:660+
> Qualify on property cash flow — no W-2/tax returns

> Fix & Flip / Rehab Financing

Credit Score:640+
> Up to 90% LTC + 100% of rehab budget

> Construction-to-Permanent

Credit Score:500+
> Three flavors: Conventional, FHA One-Time Close (credit from 500), VA Construction (no down payment, no PMI for eligible veterans)

> Bridge Loans

Credit Score:680+
> Close in 7-14 days

> Cross-Collateralized Portfolio Loans

Credit Score:680+
> Pool equity across multiple investment properties as combined collateral

> Investor / Spec Construction

Credit Score:680+
> Built for non-owner-occupied spec builds — different beast from owner-occupied Construction-to-Permanent

> Entity / LLC Vesting Loans

Credit Score:680+
> Vest title in an LLC, Corporation, GP, LP, LLP, or Living Trust — most retail lenders refuse non-individual borrowers

ITIN & Foreign National

[2]

No-SSN and non-resident borrower programs

> ITIN Loans

Credit Score:640+
> No SSN required — ITIN holders eligible

> Foreign National Loans

Credit Score:N/A
> No U.S. credit history required — 680 FICO path if available, OR 2 non-traditional tradelines (2-yr history) if not

Equity & Refinance

[4]

HELOC, fixed home-equity, cash-out, and rate-and-term refinance

> HELOC (Home Equity Line)

Credit Score:660+
> 5-7 day funding via digital-close partner

> Fixed-Rate Home Equity Loan

Credit Score:660+
> Fixed lump-sum payout

> Cash-Out Refinance

Credit Score:640+
> Pull equity at first-lien rates

> Rate & Term Refinance

Credit Score:620+
> No cash out — lower rate or shorter term

Specialty Programs

[2]

Reverse mortgage and physician portfolio products

> Reverse Mortgage (HECM)

Credit Score:N/A
> Age 62+ homeowner

> Physician / Doctor Loans

Credit Score:700+
> Student-loan debt excluded or IBR-based

> access 50+ lending partners for every situation

> speak_with_expert

> see_all_programs()

// get_a_quote()

> 30 seconds. No credit pull, no spam. A real loan officer will call within 1 business hour.

By submitting, you agree we can contact you by phone, email, or SMS about this inquiry. You can opt out anytime.

// mortgage_calculator

> instant rate estimation

$

> enter details and click calculate

// property_eligibility()

> enter an address — get loan limits, flood zone, and USDA eligibility in one shot

// industry_news()

> what's moving the mortgage market right now

Headlines aggregated from third-party publications. Not endorsements or DOS Mortgage commentary.

// why_dos_mortgage()

> The advantages that set us apart

> 24-48 Hour Approvals

Fast turnaround without compromising thoroughness

> Competitive Rates

Access to 50+ lenders means better pricing for you

> All Property Types

Primary residence, investment, commercial – we handle it

> Flexible Programs

From conventional to non-QM, we have solutions

// about_us()

> the team behind every approval

DOS Mortgage is a Florida-licensed mortgage lender built for the people most lenders make wait. Our entire team is Cuban-born and bilingual — when a client calls in Spanish about a foreign-national purchase, an ITIN loan, or a first-home in Hialeah, they get a loan officer who grew up in that conversation. We work primarily with the Latin community across Southwest Florida and statewide, structuring real solutions for borrowers other lenders turn away.

Hablamos español. Always have. Always will.

// the_team

[4]

Brian Fernandez

> Owner & Principal MLO

Cuban-born. Five years as a licensed Mortgage Loan Originator, consistently ranked among top producers in his channel. Brian built DOS to give South Florida's Latin community a bilingual lender who actually structures the file — not one who quotes a rate and disappears. NMLS #2227683.

info@dosmortgage.com

Maylet Marquez

> Senior Processor · 20+ years

Cuban-born. Two decades inside mortgage operations — every doc, every overlay, every condition pattern. When an underwriter pushes back, Maylet has seen it before and knows the way through. She's the reason DOS files clear quickly.

maylet@dosmortgage.com

Daine Jorge Martinez

> Loan Officer · Dual-Licensed

Cuban-born. Newer to mortgage but sharp — and dual-licensed in both Real Estate and Mortgage, which means she can spot deal-killers from either side of the transaction before they cost time. Bilingual. NMLS #2690372.

daine@dosmortgage.com

Katherin A Malet Fernandez

> LOA · Direct support to the owner

Cuban-born. Loan Officer Assistant working directly with Brian on every file he originates — the second set of eyes that keeps borrowers informed and pipelines moving. Bilingual.

Katherin@dosmortgage.com

// connect_with_dos()

> Talk to our experts today. We'll find the perfect loan program for your situation.

> start_application()> schedule_consultation()