MortgageHouz is Orlando’s full-service mortgage broker — FHA, VA, Conventional, Non-QM, HELOC, Fix-and-Flip, Bridge, and more. Whether you’re buying your first home or scaling a real estate portfolio, we have the product and the expertise to close your loan.
One Broker. Every Loan Type. Every Borrower Profile.
We shop your file across 100+ wholesale lenders to find the best rate and program — whether you’re a first-time buyer with a 580 credit score or a seasoned investor closing your 20th rental.
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Fast Pre-Qualification
Submit your scenario online and receive a real pre-qualification within 48 hours. No credit impact to get started.
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100+ Lender Network
We compare your loan across 100+ wholesale lenders to find the best rate and terms. You get the whole market, not one bank's opinion.
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No Tax Returns Required
Non-QM, bank statement, DSCR, and asset depletion programs available for self-employed borrowers and investors who don't fit conventional boxes.
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All Loan Types
FHA, VA, Conventional, HELOC, Bridge, Non-QM, Fix-and-Flip, Private Money, and Down Payment Assistance — all under one roof.
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Down Payment Assistance
Florida DPA programs covering up to $35,000 in down payment and closing cost help for eligible buyers. We check every program you qualify for.
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Investor Specialist
DSCR, Fix-and-Flip, Bridge, Ground-Up Construction, and Private Money for Florida real estate investors of every experience level.
Our Programs
Multiple Loan Products. Every Scenario Covered.
Click any program to explore full guidelines, program details, and qualification requirements.
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FHA Loans
3.5% down · 580 FICO · First-time buyers
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VA Loans
0% down · No PMI · Veterans & active duty
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Conventional
3–20% down · 620+ FICO · Best rates
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Down Payment Assistance
Up to $35K · Forgivable grants · FHA/Conventional
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Bridge Loans
Buy before you sell · 7-day close · Up to 80% LTV
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HELOCs
Up to $1M · Primary & investment · Bank stmts OK
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Non-QM
Bank stmt · DSCR · 580 FICO · No tax returns
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Fix-and-Flip
90% LTC · 75% ARV · 7-day close
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Private Money
Asset-based · 620 FICO · Fast funding
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Ground-Up Construction
90% LTC · 70% ACV · Milestone draws
How It Works
From Application to Close in 4 Simple Steps
01
Submit Your Scenario
Fill out our free pre-qualification form. No credit pull. Tell us about your situation, property, and goals.
02
We Shop Your File
We compare your loan across 100+ lenders and return the best rate and program for your scenario within 48 hours.
03
Lock & Process
Once you choose a program, we lock your rate and manage the entire underwriting process from document collection to approval.
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Close & Fund
We coordinate with title, escrow, and the lender to ensure a smooth, on-time closing. Every time.
Client Reviews
What Borrowers Say
★★★★★
"First-time buyer with a 592 credit score — every bank turned me down. MortgageHouz got me approved on an FHA loan with down payment assistance. I closed with less than $2,000 out of pocket."
— Maria T., First-Time Buyer · Orlando FL
★★★★★
"I’m self-employed and write off everything. Tax returns showed almost nothing. MortgageHouz qualified me on 12 months of bank statements and I closed a cash-out refi in 19 days."
— Carlos M., Self-Employed Borrower · Tampa FL
★★★★★
"Third deal with MortgageHouz. Closed my fix-and-flip in 9 days at 90% LTC. They reward your track record with better pricing every time. Wouldn’t use anyone else."
— James R., Real Estate Investor · Kissimmee FL
Ready to Get Started?
Get Pre-Qualified Today
No credit pull. No commitment. A licensed MortgageHouz loan specialist will review your scenario and respond within 48 hours.
MortgageHouz LLC · NMLS #2755375 · 321.201.0436
🤝 About MortgageHouz
Florida’s Full-Service Mortgage Broker
Licensed in Florida and powered by a 100+ lender network, MortgageHouz delivers faster approvals, more program options, and better rates than any single bank can offer.
Our Story
Built for Borrowers Who Don’t Fit the Box
MortgageHouz LLC is a licensed mortgage brokerage based in Orlando, Florida (NMLS #2755375). We were founded on a simple belief: every borrower deserves access to the best mortgage product available for their situation — not just what one bank happens to offer.
As a wholesale broker, we don’t lend our own money — we shop your file across 100+ lenders to find the lowest rate and best terms. That means you get more options, faster answers, and a dedicated professional managing your loan from start to close.
We serve everyone: first-time homebuyers, move-up buyers, self-employed professionals, real estate investors, veterans, and families who have been turned down elsewhere. If there’s a path to approval, we’ll find it.
100+Lender Partners
✚Loan Products
FLLicensed
NMLS#2755375
Anthony Scott
Founder · Mortgage Broker · NMLS #2755375
Anthony Scott is the founder of MortgageHouz LLC and a licensed Florida mortgage broker with a background spanning professional athletics and real estate dating to the mid-1990s. He also serves as a mentor and coach to entrepreneurs, athletes, and families through his Coach Tony brand.
Tell us about your scenario and we'll have a pre-qualification and program recommendation back to you within 48 hours.
MortgageHouz LLC · NMLS #2755375 · 321.201.0436
🏠 Home Purchase Loans
Buy Your Home. We Handle the Financing.
FHA, VA, Conventional, and Down Payment Assistance programs for first-time buyers and move-up buyers across Florida. Low down payments, flexible credit, and fast closings.
FHA 3.5% Down · VA 0% Down · Conventional 3% · DPA Up to $35K · 580+ FICO Welcome
Purchase Programs
Every Purchase Loan Program Under One Roof
🏠 FHA Loans
3.5% Down · 580 FICO · Primary Residence
✓Down payment: 3.5% (580+ FICO) or 10% (500–579 FICO)
✓Min credit score: 580 (some lenders accept 500)
✓Max DTI: 43% standard (up to 56.9% with compensating factors)
✓2026 FL loan limits: $541,287 (standard) to $990,150 (high-cost)
✓Upfront MIP: 1.75% financed into loan · Annual MIP: ~0.85%
✓100% gift funds allowed for down payment
✓Primary residence only · 1–4 unit eligible
✓Eligible after BK: 2 years / Foreclosure: 3 years
✓Seller concessions: up to 6% of purchase price
🈒 VA Loans
0% Down · No PMI · Veterans & Military
✓0% down payment — no down payment required with full entitlement
✓No PMI — no monthly mortgage insurance ever
✓Min FICO: most lenders require 620 (VA has no minimum)
✓Max DTI: 41% guideline (higher OK with strong residual income)
✓Residual income test: South FL family of 4 = ~$1,003/month min
✓2026 conforming limit (full entitlement): $832,750 baseline / no cap
✓Funding fee: 2.15% (first use, no down) — can be rolled into loan
✓Eligible: Veterans, Active Duty, National Guard (6+ yrs), Surviving Spouses
✓Max DTI: 45–50% via automated underwriting (DU/LP)
✓2026 conforming limit: $832,750 (most FL counties) / $990,150 Monroe
✓PMI required below 20% down — drops off at 80% LTV
✓HomeReady (Fannie) & Home Possible (Freddie): 3% down, income limits apply
✓No upfront mortgage insurance (unlike FHA)
✓Investment properties: 15–25% down required
✓Best pricing: 740+ FICO, 20%+ down, primary SFR
✓No FHA-style MIP for life — PMI cancellable
💰 Down Payment Assistance (DPA)
Up to $35,000 · Grant or Forgivable Loan · All FL Counties
✓Florida Assist: up to $10,000 · 0% interest deferred 2nd mortgage
✓HLP (Hardest Hit): up to $15,000 forgivable · 5–10 year forgiveness
✓Hometown Heroes: up to 5% of loan (typically $15K–$25K) + rate discount
✓County programs: up to $35,000+ (varies by county and income)
✓Min FICO: 640 (FHA/VA/USDA) · 680 (Conventional)
✓8-hour HUD-approved homebuyer education required
✓Max DTI: 50% (FHA/VA) · 43–45% (Conventional)
✓Primary residence only · Income limits apply by county
✓Can combine state + local DPA on many programs
✓Pairs with FHA, VA, USDA, or Conventional first mortgage
Which Loan Is Right for You?
Quick Program Matcher
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580–619 FICO + Limited Cash
FHA loan with Down Payment Assistance is your best path. 3.5% down, DPA can cover most or all of it, and FHA is the most flexible on credit.
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Veteran or Active Duty Military
VA loan every time. 0% down, no PMI, no loan limit (full entitlement), and the lowest rates available for eligible borrowers.
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620–739 FICO + Some Cash
Conventional with 5–10% down may beat FHA on total monthly cost depending on credit score and PMI. We compare both and show you the numbers.
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740+ FICO + 20% Down
Conventional at 20% down = no PMI, lowest rates, cleanest approval. The most efficient path to the best rate.
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Teacher, Nurse, or First Responder
Florida Hometown Heroes DPA provides up to 5% of your loan (up to $25K) PLUS a rate discount. One of the best programs in the state.
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Self-Employed or Irregular Income
Non-QM bank statement loan or 1099 program. Qualify on 12–24 months of deposits instead of tax returns. We have 100+ lender options.
Ready to Buy?
Get Pre-Qualified in 48 Hours
No credit pull. Tell us your scenario and we'll come back with the best program and real rate options for your situation.
MortgageHouz LLC · NMLS #2755375 · 321.201.0436
📈 Refinance Programs
Lower Your Rate. Access Your Equity. Refinance Right.
Rate-and-term refinance, cash-out refinance, HELOC, and Non-QM refinance programs for Florida homeowners. Self-employed borrowers qualify with bank statements — no tax returns required.
Rate & Term · Cash-Out · HELOC · Bank Statement Refi · VA IRRRL · FHA Streamline
Refinance Programs
Every Refinance Scenario Covered
📈 Conventional Rate & Term Refi
Lower Your Rate · Remove PMI · Shorten Term
✓Min FICO: 620 (best pricing 740+)
✓Max LTV: 97% (rate-term) · 80% (cash-out)
✓Max DTI: 45–50% via automated underwriting
✓Conforming limit: $832,750 (most FL counties)
✓PMI drops off at 80% LTV — refinance to remove it
✓No waiting period from purchase to rate-term refi
✓W-2, salary, or self-employed with 2 years tax returns
🌐 HELOC — Home Equity Line of Credit
Up to $1M · Primary, 2nd Home & Investment
✓Lines from $50,000 to $1,000,000
✓Primary: up to 90% CLTV · Investment: up to 75% CLTV
✓Min FICO: 660 (primary) / 700 (investment)
✓Bank statements accepted (12 months) in lieu of tax returns
✓LLC vesting allowed on investment programs
✓Draw period: 5 years interest-only · 30-year maturity
✓AVM available to $400,000 — no full appraisal needed
✓Close in as little as 5 days (digital program)
✓Debt consolidation, renovation, tuition, or any goal
📊 Non-QM Cash-Out Refinance
Bank Statement · DSCR · 580 FICO · No Tax Returns
✓Min FICO: 580 on NON-QM programs
✓Max LTV: 75–80% cash-out
✓Income options: 12- or 24-month bank statements, DSCR, P&L, 1099
✓No tax returns required — qualify on deposits or property income
✓Primary, 2nd home, and investment property eligible
✓LLC vesting allowed on investor programs
✓Self-employed, business owners, real estate investors
🈒 VA IRRRL & Cash-Out Refi
Veterans Only · Fast Streamline · Best Rates
✓VA IRRRL (Streamline): minimal documentation, lower rate or stable payment
✓VA Cash-Out: tap equity from primary home — up to 100% LTV available
✓Primary residence only · Must have existing VA loan (IRRRL)
✓Min FICO: most lenders require 620
Time to Refinance?
Get a Refi Quote Today
No credit pull. Tell us your current loan, property value, and goals — we'll return the best refi options within 48 hours.
MortgageHouz LLC · NMLS #2755375 · 321.201.0436
🏛 Investor Loan Programs
Scale Your Portfolio. No W-2s Required.
DSCR rental loans, Fix-and-Flip, Ground-Up Construction, Bridge, Private Money, and Non-QM financing for Florida real estate investors of every experience level. Asset-based underwriting — the deal qualifies, not your tax returns.
DSCR Rentals · Fix-and-Flip · Construction · Bridge · Private Money · HELOC · LLC Vesting OK
Investor Programs
Every Investment Property Loan in One Place
📊 DSCR Rental Loans
Qualify on Rental Income · No Personal Income Docs
✓No tax returns, W-2s, or personal income verification
✓Qualify on property cash flow only (DSCR ratio)
✓DSCR as low as 0.75x on select programs
✓Min FICO: 620–640 · Loan amounts to $5M+
✓SFR, 2–4 unit, condos, townhomes, small MF
✓LLC and entity vesting allowed
✓30-year fixed, ARM, and interest-only options
✓Short-term rental (Airbnb/VRBO) income recognized
✓Foreign nationals eligible on select programs
🔨 Fix-and-Flip Loans
90% LTC · 7-Day Close · Interest-Only
✓Loan amounts: $75,000 to $5M+
✓Max LTC: 90% (5+ flips) · 80–85% (1–4 flips)
✓Max ARV: 75% after-repair value
✓Rates from 8.49% to 12.99% depending on experience
✓Terms: 12 or 18 months · Interest-only · No prepay penalty