When it comes to securing a mortgage in Coconut Creek and throughout Florida, Osprey Mortgage Lending is your premier choice. We specialize in Conventional, FHA, VA, Self-Employed, and Non-QM mortgage solutions, providing expert guidance and tailored loan programs to suit your unique financial needs. Whether you are a first-time homebuyer, refinancing an existing loan, or seeking specialized mortgage products, our experienced team is here to assist you. Call us today at 954-905-7526 to explore your mortgage options.

Comprehensive Mortgage Solutions for Every Borrower

At OspreyMortgageLending, we understand that every homebuyer has different financial circumstances. That’s why we offer a broad range of mortgage programs to help our clients achieve homeownership seamlessly. Our loan options include:

1. Conventional Loans

Conventional loans are a great choice for borrowers with strong credit histories and stable income. These loans offer competitive interest rates and flexible terms, making them ideal for homebuyers looking to secure a loan with as little as 3% down payment for qualified applicants. Conventional loans come in fixed-rate and adjustable-rate (ARM) options, allowing you to choose the best mortgage structure that suits your long-term financial goals.

2. FHA Loans – Perfect for First-Time Homebuyers

For those with limited credit history or lower down payments, FHA loans provide an excellent path to homeownership. Backed by the Federal Housing Administration, these loans offer lower credit score requirements and a minimum down payment of just 3.5%. Additionally, FHA loans come with competitive interest rates and are an excellent option for those who might not qualify for conventional financing.

3. VA Loans – Exclusive Benefits for Veterans

If you are an active-duty military member, veteran, or eligible surviving spouse, our VA loan program can help you purchase a home with zero down payment and no private mortgage insurance (PMI). VA loans offer low interest rates, flexible underwriting requirements, and reduced closing costs, making homeownership more accessible for those who have served our country.

4. Self-Employed Mortgage Options

Securing a mortgage as a self-employed borrower can be challenging, but Osprey Mortgage Lending has you covered. We offer specialized bank statement loans, asset-based loans, and alternative documentation mortgage programs that cater to self-employed individuals, freelancers, and entrepreneurs. Instead of relying solely on tax returns, we assess your bank statements and overall financial health to determine loan eligibility.

5. Non-QM Mortgages – Flexible Financing for Unique Borrowers

For borrowers who do not meet traditional mortgage qualifications, Non-Qualified Mortgage (Non-QM) loans provide a flexible alternative. These loans are ideal for those with irregular income, recent credit events, or investment property purchases. Non-QM loans offer alternative income verification methods, expanded debt-to-income (DTI) ratios, and customized terms, ensuring you can secure a mortgage tailored to your financial situation.

Why Choose Osprey Mortgage Lending?

Local Expertise with a Statewide Reach

Serving Coconut Creek and all of Florida, our team of mortgage professionals understands the intricacies of the local housing market. We work closely with real estate agents, homebuyers, and investors to provide personalized mortgage solutions that align with market trends and home financing needs.

Fast Pre-Approvals and Smooth Loan Processing

first time home buyer, we prioritize efficiency. Our streamlined pre-approval process ensures that you know your budget upfront, helping you make competitive offers on homes. We utilize cutting-edge technology and experienced underwriting to process loans quickly, so you can close on your home without unnecessary delays.

Personalized Customer Service

We believe in building lasting relationships with our clients. Our team takes the time to understand your specific financial goals and mortgage needs, ensuring a smooth and stress-free home financing experience. Whether you need guidance on down payment assistance programs, credit improvement strategies, or refinancing options, we ar