Loan Programs | MoneyLand Mortgage

All Programs

From Primary Home to Investment

Purchase

Home Purchase Loans

Whether it's your first home, a second property, or an investment — we have a program structured for your situation.

Primary Home

FHA
Conventional
Bank Statement
Profit & Loss Statement
And more programs

Second Home

Conventional
And other programs
Ask us for details

Investment Property

Full Doc Conventional
DSCR
And more — ask us

Refinance

Refinance Your Mortgage

Improve your rate, lower your payment, or access your equity — we structure refinances for primary homes, second homes, and investment properties.

Rate & Term Refinance

Lower your interest rate or change your loan term to reduce your monthly payment. Available for primary homes, second homes, and investments.

FHA
Conventional
Bank Statement
DSCR

Cash-Out Refinance

Access the equity in your home to consolidate debt, fund home improvements, or invest. A powerful tool when used strategically.

FHA
Conventional
Bank Statement
DSCR

Second Mortgage

What is a Second Mortgage?

A second mortgage is a loan taken against the equity in a home you already own — while your original (first) mortgage remains in place. It lets you access your equity without refinancing your existing loan.

Keep your existing first mortgage and rate
Access equity for debt consolidation or improvements
Typically a fixed loan with a set repayment term
Ask us if this fits your situation

HELOC

What is a HELOC?

A Home Equity Line of Credit (HELOC) is a revolving line of credit secured by your home's equity — similar to a credit card but backed by your property. You draw funds as needed during the draw period and repay over time.

Flexible access to funds — use what you need
Interest only on the amount drawn
Great for home improvements or ongoing expenses
Ask us about availability and eligibility

All 50 States

Commercial Real Estate

Multi-family, office, retail, industrial, mixed-use — commercial financing available nationwide. Acquisition, refinance, or portfolio expansion.

Licensed in all 50 states for commercial
All property types — flexible structures

Available Nationwide

Luis A. Cintron | NMLS# 2057921 · Residential mortgage loans licensed in the State of Florida. Commercial real estate financing available in all 50 states. Equal Housing Opportunity Lender.

Program	Min. Down	Rate	Income Doc	FL Limit	Best For
FHA	3.5%	Case by Case	✓ W-2 / Tax Return	$524,225	First-time buyers
Conventional	3%	Case by Case	✓ W-2 / Tax Return	$806,500	Strong credit buyers
Bank Statement	10%	Case by Case	✗ Not Required	Varies	Self-employed
DSCR	20%	Case by Case	✗ Not Required	Varies	Real estate investors
Commercial	20%+	Varies	Flexible	All 50 States	Commercial properties

Common Questions

Frequently Asked Questions

FHA loans require a minimum credit score of 580 for the 3.5% down payment option. Borrowers with scores between 500–579 may still qualify with a 10% down payment. FHA is one of the most flexible programs available for buyers building their credit.

A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental income of the property, not the borrower's personal income. If the property generates enough rent to cover the mortgage payment (typically a DSCR of 1.0 or higher), you can qualify without W-2s or tax returns.

If you're self-employed and your tax returns show lower income due to deductions, a Bank Statement loan is typically your best option. We use 12 or 24 months of personal or business bank statements to calculate your qualifying income — not your tax returns.

Loan limits change periodically and vary by county. Always verify the current FHA limit at HUD.gov and the Conventional (conforming) limit at FHFA.gov — FHA: HUD.gov · Conventional: FHFA.gov

Yes. Luis A. Cintron is licensed to originate and close commercial real estate loans in all 50 states. Residential loans are limited to the State of Florida. If you have a commercial project anywhere in the country, reach out directly.

Precision Financing for Every Profile