1.Loan Programs

Q: What types of mortgage programs do you offer?

We offer a wide variety of loan options, including Conventional, FHA, VA, Jumbo, USDA, DSCR, Hard Money, Construction, Rehab, Bank Statement, Foreign National, ITIN, Non‑Warrantable Condo, Manufactured Home, HELOC, Land/Lot, and Commercial loans. 

Q: What are Hard Money Rehab Loans?

Designed for real estate investors and house flippers, these loans finance purchase and renovation. Terms include up to 75% ARV, minimum 650 credit score, and terms of up to 9 months (with a 3‑month extension available)  .

Q: What is a DSCR Loan?

A DSCR (Debt‑Service Coverage Ratio) loan is a no‑income‑verification mortgage allowing investors to qualify based on rental income potential, not personal income. Allows financing up to $5M, with credit score and DSCR criteria  .

Q: How do Land & Lot Loans differ from regular mortgages?

These loans are for purchasing vacant land. Down payment requirements range from 15% to 30%, terms are usually 5–20 years, and interest rates are higher due to the added risk of unimproved land  .

2. Qualifying & Eligibility

Q: What credit score do I need for investment or rehab loans?

Credit score thresholds vary: DSCR loans typically require 620+, while Hard Money Rehab loans require a minimum 650 and offer up to 75% ARV with a score of 700+  .

Q: Can I qualify without traditional income documentation?

Yes. DSCR loans approve borrowers based on rental income, not tax returns or pay stubs. Bank Statement loans use monthly deposits instead of tax returns for income verification  .

Q: Do you offer USDA loans with no down payment?

Yes. USDA loans provide 100% financing and low interest rates for eligible rural homebuyers, eliminating the need for a down payment  .

3. Investment & Self‑Employed Borrowing

Q: Are DSCR loans suitable for new investors?

Absolutely. DSCR loans are ideal for both novice and experienced investors—they qualify based purely on property income and often avoid the documentation required by traditional loans  .

Q: Do you work with non‑U.S. citizens or clients with ITINs?

Yes. We offer Foreign National loans (no U.S. credit history required) and ITIN loans, allowing non-citizens to secure financing using their Individual Taxpayer Identification Number  .

4. Loan Process & Support

Q: How fast is the application and approval process?

Our processes are streamlined and efficient. For most programs, you can expect fast pre‑qualification and minimal documentation—especially with DSCR and Hard Money loan options  .

Q: Can I finance purchase and renovation in one loan?

Yes. Our Rehab and Construction loans are designed to finance both purchase and renovation, including One‑Time Close options that avoid the need to re‑finance later  .

5. Why Work With Us

Q: What makes your team stand out?

We’re proud to be ranked among the top 5% of mortgage loan originators nationwide. We offer personalized loan solutions, fast approvals, access to over 1,000 loan programs, and a 100% customer satisfaction guarantee. 

Q: How do you support clients across different financing needs?

Our team tailors loan options based on each client’s goals. We excel in creative and flexible financing—serving investors, self-employed borrowers, veterans, non‑citizens, and first‑time buyers alike. 

6. Next Steps

Q: How do I start the process?

You can apply online using our simplified application form. One of our lending specialists will be in touch quickly to discuss your options and guide you through pre-qualification and the closing process. 

Q: Where are you located and how do I contact you?

We’re located at 801 International Pkwy, Suite 500, Lake Mary, FL 32746. Feel free to reach us via email at info@cfmedina.com or call (407) 907‑3333.