Silvia Herrera

LOAN ORIGINATOR ·

NMLS #2497009

MORTGAGE & REALTY LEADERS · MIAMI &ALL OF FLORIDA · SE HABLA ESPAÑOL

Florida home loans, explained before you sign.

I'm Silvia Herrera, a bilingual mortgage loan originator in Miami. I compare FHA, Conventional, VA, Jumbo and Non-QM options for you, explain every number in plain language, and stay reachable from pre-approval to keys.

★★★★★ 5.0 · 10 Google reviews · English & Español

Loan finder · 4 questions

Which Florida mortgage fits you?

Answer four quick questions to see the loan programs worth a closer look. Your final options depend on your full credit, income and property review.

What's your goal?
How do you earn your income?
Have you served in the U.S. military?
Price range you're considering

Worth a closer look

FHA or Conventional

    Start my pre-approval Talk it through

    Educational guidance only. Not a commitment to lend. All loans subject to credit, income, asset and property approval.

    Loan programs

    Mortgage programs I work with in Florida

    Agency loans follow Fannie Mae, Freddie Mac, FHA and VA guidelines. Non-QM loans give self-employed buyers and investors other ways to qualify.

    Government · FHA

    FHA loans

    Good fit for
    First-time buyers and borrowers rebuilding credit who want a low down payment.
    Know this
    FHA guidelines allow credit scores down to 580 for maximum financing. Mortgage insurance applies. Condos must be FHA-approved.
    FHA loans in Florida →

    Fannie Mae · Freddie Mac

    Conventional loans

    Good fit for
    Buyers with steady income and solid credit who want flexible down payment options.
    Know this
    Private mortgage insurance applies below 20% down and can be removed later under the investor's rules.
    Conventional loans →

    Government · VA

    VA loans

    Good fit for
    Eligible veterans, active-duty service members and some surviving spouses.
    Know this
    No monthly mortgage insurance. You'll need a Certificate of Eligibility, which I can help request.
    VA loans →

    Non-QM · Self-employed

    Bank statement loans

    Good fit for
    Business owners and 1099 earners whose tax returns don't show their true income.
    Know this
    Income is calculated from 12 or 24 months of personal or business bank statements instead of tax returns.
    Non-QM options →

    Non-QM · Investors

    DSCR investor loans

    Good fit for
    Investors buying or refinancing rental property in Florida.
    Know this
    You qualify on the property's rental income compared to its payment, not your personal income.
    DSCR loans →

    Jumbo · Equity

    Jumbo & HELOC

    Good fit for
    Higher-priced South Florida homes, and owners who want cash from their equity.
    Know this
    Jumbo loans exceed the conforming loan limit. A HELOC lets you borrow against equity while keeping your first mortgage.
    Jumbo & HELOC →
    Get pre-approved

    Not sure which one fits? Try the loan finder ↑

    Florida payment estimator

    See your full Florida payment, insurance included.

    In Florida, property taxes, homeowners insurance, flood insurance and HOA dues can add as much as the loan itself. Enter your own numbers below.

    Example only. Ask me for today's quote.
    Varies by county and millage.
    Required in high-risk flood zones.

    Estimated monthly payment

    $0 / month

    Estimate for education only, not a loan offer or rate quote. Does not include mortgage insurance (FHA MIP or conventional PMI), which may apply. Your actual rate, APR and payment depend on credit, program and property.

    Get pre-approved for my real numbers

    Clients Reviews

    Q&A

    How much do I need for down payment?

    It depends on your loan type, some programs start as low as 3% down. We'll help you find the best fit for your budget.

    Does getting pre-approved affect my credit?

    A pre-approval may cause a small, temporary dip, but it's a key step to understand your buying power.

    How long does the process take?

    Most loans close within 30 days or less, depending on the program and documentation.

    What documents do I need to apply?

    Typically: ID, proof of income, recent bank statements, and credit authorization - we'll guide you through everything.

    What's the difference between pre-qualification and pre-approval?

    Pre-qualification is an estimate; pre-approval means your information has been verified by a lender - it's stronger when making an offer.

    Can I buy a home if I'm self-employed?

    Absolutely. We specialize in helping entrepreneurs and self-employed clients secure financing through tailored documentation options.