Qualified Mortgage Loans

Traditional home loans with steady payments, ideal for borrowers with stable income and clear goals.

Non-Qualified Mortgage Loans

Flexible options for self-employed buyers using bank statements or assets instead of W-2s.

Jumbo Home Loan Programs

Large-balance loans designed for high-value Florida homes that exceed standard loan limits.

DSCR (Investor) Loans

Smart financing for investors who qualify using property income instead of personal income.

Reverse Mortgage Programs

Home equity loans for homeowners aged 62+ to access funds without monthly mortgage payments.

Move-Up Home

Loans

Streamlined programs for families upgrading to a new home while selling their current one.

Move-Down Home

Loans

Streamlined programs for families upgrading to a new home while selling their current one.

Refinance Mortgage Options

Flexible options to adjust your current mortgage or add a second loan using your home’s equity.

See which programs fit you best.

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Visit equitysmartloans.com. Rates, Fees and Programs are subject to change without notice. This is not a guarantee or a commitment to lend. Some products may not be available in all states. Not all applicants qualify for financing, subject to review of credit/collateral. Equity Smart Home Loans NMLS#: 856170 DRE#: 01906808 Headquarters: 1499 Huntington Dr Suite 500, South Pasadena, CA 91030, (323) 258-4317 Kelly Nadeau NMLS #1027618 | Ray Nadeau NMLS #1027617
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