Originating Residential and Commercial Loans Since 1998

Yes, we do provide pre-approval letters. However, we take great care and diligence in this process. We ensure that a prospect is fully pre-approved before issuing the letter. This means gathering income, asset, rental verification, CPA letters, and other necessary documents for a complete package. We meticulously analyze all information, and upon satisfaction, we issue a pre-approval letter. Our diligent work prior to contract has resulted in a 98% closing rate from initial pre-approval status.

To have one of your prospects get pre-approved, please click the link below and get started.

https://form.jotform.com/WeSellMoney/florida-realtor-mortgage-quote

Absolutely! It's actually one of our most popular mortgage loan programs in Florida. This product, when utilized correctly, is fantastic. It's an FHA loan with a down payment assistance (DPA) option for the 3.5% down payment. Additionally, the seller can contribute up to 6% of the sale price towards the buyer's closing costs.

To learn more about this amazing program, click the link below and get started!

Yes, we do. We've partnered with over 4000 agents since 1998. We take pride in working together to make the American dream of homeownership a reality for those fortunate enough. We strictly adhere to local, state, and federal compliance regulations, including RESPA, and constantly monitor them. Honesty, transparency, and full disclosure are the foundations of our work, and we carefully select the real estate professionals we collaborate with.

Click the link below and get started:

https://form.jotform.com/WeSellMoney/updatingrecords

Yes, we do. We've spent years developing a realtor-friendly portal to provide you with the updates you need, 24/7. Our system alerts you via text and/or email on all key milestones of any transaction, such as application execution, file submission, decision, appraisal order and completion, title order and completion, condition clearance, and any issues. Additionally, we provide a weekly personalized video update on what occurred during the week and what to expect for the upcoming week on all files.

This process saves you time chasing updates, allowing you to focus on getting more deals done.

Yes, we do. We work with over 100 lenders and offer more than 200 different loan programs. We take pride in staying updated on all the new funding options available, as no two borrowers are exactly alike. Our non-QM products include:

• No income no ratio

• 12 and 24 month bank statement

• Profit and Loss only

• 1099 only

• Asset utilization

• No income non-owner

And many more

To learn more about ALL our loan programs, click the link here:

https://form.jotform.com/WeSellMoney/flafundingoptions

Yes, we offer an amazing commission split for our MLOs, whether producing or not. If you are looking to hang your license, we provide:

• Access to every loan program available in Florida

• In-house processing

• Marketing material

• NO monthly fees

• Realtor and client portal available 24/7

• We handle all the heavy lifting

Click the link below to schedule a call with Mr. Roberto Pineyro, Director of Realtor MLO Relations:

https://calendly.com/pineyrogroupofcompanies/initial-call-to-establish-synergy-and-or-funding

Under Florida Statute Chapter 494 (the “Mortgage Brokers, Lenders, and Loan Originators” statute) an individual may be licensed as a “loan originator” if employed by or contracting with a licensed mortgage broker or lender. Florida is listed among states where a real‐estate agent can also be licensed as a mortgage loan originator. Federal guidance (via the Federal Housing Administration’s December 2022 Mortgagee Letter) indicates individuals may perform dual roles (real estate + mortgage originator) for FHA-insured transactions under certain conditions.

To schedule a call and learn more, click HERE:

Yes.

To originate a mortgage in Florida, you must hold an active Florida MLO license through NMLS in addition to your Florida real estate license. These licenses must be sponsored by the proper companies.

To schedule a call and learn more, click HERE:

Yes—if properly disclosed and compliant.

RESPA prohibits undisclosed referral fees, so both income streams must be disclosed upfront, and compensation must be separated. No “double-dipping” or hidden fees.

To schedule a call and learn more, click HERE:

Not always.

Some Florida brokerages permit dual roles; many do not. Your sponsoring lender or mortgage company must also approve it. Always check brokerage policy before attempting a dual transaction.

To schedule a call and learn more, click HERE:

Yes.

Some loan types—especially USDA—restrict dual compensation roles. Others (FHA, VA, conventional, DSCR, non-QM) may allow it with proper disclosure.

To schedule a call and learn more, click HERE:

Yes, potentially.

You must avoid steering a buyer into a loan that benefits you financially. You must show that the loan product recommended is objectively in the client’s best interest.

To schedule a call and learn more, click HERE:

Florida agents must disclose:

• That you are acting in two roles

• How you are compensated in both roles

• Any potential conflict of interest

• Any affiliation between your brokerage and mortgage company

These must be written, acknowledged, and in many cases provided before the buyer signs the contract.

To schedule a call and learn more, click HERE:

Yes at times!

You have double fiduciary responsibility, and if something goes wrong—with the loan OR with the real estate transaction—you may be exposed to higher legal or regulatory consequences.

To schedule a call and learn more, click HERE:

Because it can be extremely profitable and convenient for the consumer if done correctly.

Benefits include:

• One point of contact

• Faster approvals

• Better communication between the contract + financing

• Increased income (commission + LO compensation)

• More control over the transaction timeline

However, it requires strict compliance and transparency.

To schedule a call and learn more, click HERE:

Yes — but ONLY for investment-purpose transactions.

In Florida, unlicensed individuals may receive referral compensation only when the loan is for a business-purpose, investment-purpose, or non-owner-occupied property.

If the client is purchasing a primary residence, second home, or any owner-occupied property, you must be a licensed MLO to participate in the loan process and to receive any compensation.

All referrals must be fully disclosed, and the property must clearly qualify as non-owner-occupied, investment-purpose to comply with Florida law and federal lending regulations.

To schedule a call and learn more, click HERE:

YES.

We originate non–owner-occupied, investment-purpose loans in 40+ states, and you do NOT need an MLO license to join our referral program under these loan types.

You can still refer clients, we handle the entire loan process, and you get paid on every funded non–owner-occupied investment loan — completely license-free and fully compliant.

To schedule a call and learn more, click HERE: