Mortgage Capital by Pure Equity

Smart financing for every buyer.

FHA, VA, Conventional, DSCR, Non-QM, and Jumbo loans. Because our mortgage and realty teams share the same office, approvals are faster and coordination is seamless.

Loan Programs

The right loan for your situation.

From first-time buyers to seasoned investors, Mortgage Capital offers the full spectrum of residential financing. Because our mortgage and realty teams work side by side, timelines are tighter and closings hit their target date.

FHA Loans

3.5% down. Flexible credit requirements for first-time buyers and those rebuilding credit.

VA Loans

0% down for eligible veterans and active-duty military. No PMI required.

Conventional

Competitive rates for buyers with strong credit and 5–20% down payment.

DSCR Loans

Qualify on rental income, not personal income. Perfect for investors buying rentals.

Non-QM Loans

Bank statement, asset depletion, and ITIN programs for self-employed borrowers.

Jumbo Loans

Financing above conforming loan limits for luxury South Florida properties.

How It Works

Apply Online or Call

Complete our quick application or call (561) 835-5400 to speak with a loan officer.

Get Pre-Approved

Receive your pre-approval letter — typically within 24 hours.

Shop with Confidence

Your pre-approval makes your offers stronger and speeds up acceptance.

Close in ~30 Days

Because we coordinate directly with your agent, closings are smooth and on time.

Equal Housing Lender. Not a commitment to lend. All loans subject to credit approval, underwriting guidelines, and property appraisal. Rates and terms are subject to change without notice. NMLS# 1859012. RE License# BK3276618. Licensed in Florida.

Common Questions

Mortgage FAQs

What credit score do I need for a Florida mortgage?+

FHA loans accept scores as low as 580 with 3.5% down. Conventional loans typically require 620+. VA loans have no minimum but most lenders want 620+. Higher scores unlock better rates.

How fast can I get pre-approved?+

Our loan officers can issue a pre-approval letter in as little as 24 hours. You will need complete documentation. Same-day pre-approvals are also available for straightforward W2 borrowers.

What is a DSCR loan?+

A Debt Service Coverage Ratio (DSCR) loan qualifies borrowers based on rental property income rather than personal income. Ideal for real estate investors with multiple properties.

What mortgage rate can I expect in Florida?+

Rates vary by loan type, credit score, down payment, and market conditions. Contact us first for a personalized rate quote. We then shop multiple lenders to find the best rate for your situation.

Do you offer down payment assistance in Florida?+

Yes. Florida offers several state-backed DPA programs including the Florida Hometown Heroes program and FL Assist. Eligible buyers can receive up to $35,000 in down payment assistance.

Ready to get pre-approved?

Our loan officers are standing by. Start your application today.

Start My Application

Learn more at Pure Equity Realty Mortgage Capital.