The Right Florida Home Loan — Even If Others Said No
Jorge Malo has helped hundreds of Florida families get approved — including people declined elsewhere. FHA, VA, DSCR, Bank Statement & Conventional loans. All of Florida. Hablamos Español.
Loan Programs
Every Florida Mortgage Under One Roof
From first-time buyers to seasoned investors — if there's a loan that fits your situation, Jorge can find it.
FHA Loans
The go-to loan for first-time buyers. Low down payment, flexible credit requirements.
- Down payment as low as 3.5%
- Credit scores from 580
- Florida down payment assistance eligible
VA Loans
Exclusive benefits for veterans and active military. Zero down, no mortgage insurance.
- 0% down payment
- No private mortgage insurance
- Florida's veteran population qualifies
DSCR Loans
Qualify based on your rental property's income — not your personal taxes or W-2.
- No personal income verification
- Airbnb & short-term rentals eligible
- Close in your LLC name
Bank Statement Loans
Self-employed? Qualify using 12–24 months of deposits instead of tax returns.
- No tax returns required
- Personal or business statements
- Up to $3M+ loan amounts
Conventional Loans
Great for buyers with solid credit. No upfront mortgage insurance fee, flexible terms.
- Down payments from 3%
- Primary homes & investment properties
- Competitive rates with good credit
First-Time Buyer Programs
Florida has grants and assistance programs that can cover your down payment entirely.
- Up to 5% of home value for down payment & closing costs
- Florida Hometown Heroes — up to $35,000
- Works with FHA & Conventional loans
Meet Your Mortgage Broker
Jorge Malo
"I think God put us in this world to do something significant. To me, helping people achieve their dreams is huge."
After more than 15 years in this industry, Jorge has developed deep expertise in mortgage guidelines and loan structuring — including cases other lenders turn away. Many of his clients come to him after being declined elsewhere.
Whether you have a lower credit score, are self-employed, or have a complex financial situation — Jorge will review your case and build a path forward.
What Clients Say
88 Five-Star Reviews on Google
Real results from real Florida families. See why Jorge has a perfect 5.0 rating.
"Jorge made a deal happen that nobody else could do, because of my self-employment. He was always available for a phone call or text. He is the hardest working guy in the mortgage industry. HIGHLY RECOMMEND!"
"Very professional and informative. Goes the extra mile to help unlike a lot of brokers who just want the sale. I am excited to work with Jorge!"
"Jorge stayed on top of mortgage rates and made sure we got the best rate possible. Much less stressful than we anticipated. We couldn't have been happier."
How It Works
From Inquiry to Keys — Here's the Process
Free Consultation
Tell Jorge your situation. No credit pull, no pressure — just an honest conversation about your options.
Get Pre-Approved
Jorge reviews your documents and finds the loan program that fits your situation best — even if others said no.
Find Your Home
Shop with confidence. A pre-approval letter puts you in a strong position with sellers in Florida's market.
Close & Get Keys
Jorge manages the process start to finish. Fast, clear communication every step of the way.
Credit Score Below 600?
We’ll Help You Get There
A low credit score is not the end of the road — it’s the starting point. Jorge works with clients who have scores below 600 to build a personalized credit improvement plan. Once your score reaches the right level, you get approved for a mortgage.
Many of Jorge’s most grateful clients came to him with credit challenges and left as homeowners. The process typically takes 4–9 months depending on your scenario, and Jorge walks you through every step.
Start Your Credit Improvement Plan →Free Credit Analysis
Jorge reviews your credit report and identifies exactly what’s holding your score down.
Personalized Action Plan
A step-by-step plan tailored to your situation — what to pay, dispute, or address first.
Mortgage Pre-Approval When Ready
Once your score reaches the right level, Jorge moves quickly to get you pre-approved and into a home.
¿Prefiere hablar en Español? Llame a Jorge al (954) 400-0488 — Hablamos Español y lo guiaremos en cada paso del proceso.
Ready to Start Your Florida Mortgage?
Free consultation. No credit pull. Jorge will review your situation and tell you exactly what you qualify for.