Your Premier Mortgage Lending Solution in Florida

At Osprey Mortgage Lending, we specialize in providing a wide array of mortgage solutions tailored to meet the diverse needs of homebuyers and property investors. Whether you are a first-time homebuyer, self-employed, or looking for a non-QM mortgage, we have the perfect financing option for you. Serving Coconut Creek and the entire state of Florida, our team of mortgage experts is dedicated to helping you secure the best loan terms possible. Call us today at 954-905-7526 to get started!

Comprehensive Mortgage Options Tailored to Your Needs

Conventional Loans

A OspreyMortgageLending is an excellent choice for homebuyers who have a strong credit history and sufficient financial reserves. These loans typically offer competitive interest rates, flexible terms, and the ability to avoid private mortgage insurance (PMI) with a 20% down payment. Whether you’re purchasing your first home or refinancing, our conventional loan options provide stability and affordability.

Benefits of Conventional Loans:

• Lower interest rates compared to government-backed loans

• Flexible repayment terms (10, 15, 20, or 30 years)

• No private mortgage insurance (PMI) required with 20% down

• Ideal for borrowers with good credit and stable income

FHA Loans: A Great Option for First-Time Homebuyers

The Federal Housing Administration (FHA) loan is a popular choice among first-time homebuyers and those with less-than-perfect credit. This government-backed loan allows borrowers to purchase a home with a low down payment and more lenient credit requirements.

Key Features of FHA Loans:

• Down payments as low as 3.5%

• Flexible credit score requirements

• Competitive interest rates

• Government-backed security for lenders

• Ideal for those with limited savings or credit challenges

Self-Employed Mortgage Loans: Flexible Financing for Entrepreneurs

If you are self-employed, securing a mortgage can be challenging due to variable income and stricter documentation requirements. However, at Osprey Mortgage Lending, we specialize in mortgage solutions that cater specifically to self-employed individuals. We offer flexible income verification methods, including bank statement loans, to help you qualify for the home of your dreams.

Advantages of Self-Employed Mortgage Loans:

• No tax returns required – qualify with bank statements

• Flexible income verification

• Competitive interest rates

• Suitable for freelancers, business owners, and independent contractors

Non-QM Mortgages: A Solution for Unique Financial Situations

A Non-QM (Non-Qualified Mortgage) is designed for borrowers who do not meet the strict guidelines of conventional loan programs. This option is ideal for those with complex financial profiles, including real estate investors, foreign nationals, and individuals with high debt-to-income ratios.

Who Benefits from Non-QM Mortgages?

• Self-employed borrowers who do not have traditional income documentation

• Real estate investors who rely on rental income

• Foreign nationals without a U.S. credit history

• Individuals with credit events such as bankruptcy or foreclosure

Why Choose Osprey Mortgage Lending?

At Osprey Mortgage Lending, we are committed to providing exceptional service and customized mortgage solutions to meet your unique financial needs. Here’s why our clients trust us:

• Expert Guidance: Our team of experienced mortgage professionals will guide you through the entire home loan process, ensuring a smooth and hassle-free experience.

• Competitive Rates: We offer some of the best interest rates in the industry, helping you save money on your mortgage.

• Fast and Easy Approvals: Our streamlined application process ensures quick approvals, so you can secure financing without unnecessary delays.

• Personalized Solutions: Every borrower is unique, and we take the time to find the best mortgage product for your financial situation.

• Statewide Service: While we are based in Coconut Creek, Florida, we proudly serve clients throughout the entire state.

How to Apply for a Mortgage with Osprey Mortgage Lending

Applying for a mortgage with us is simple and straightforward. Follow these steps to get started:

1. Consultation – Contact our expert team at 954-905-7526 for a free consultation.

2. Pre-Approval – We will assess your financial situation and help you obtain a pre-approval letter.

3. Choose Your Loan – Based on your needs, we will help you select the best mortgage product.

4. Submit Documentation – Provide necessary documents for underwriting and verification.

5. Loan Approval & Closing – Once approved, we will finalize the loan, and you can close on your new home!