Financing Your Florida Lifestyle.
Mortgage solutions for homebuyers, investors, refinancers and international clients—with responsive guidance from application through closing.
Florida Mortgage Loan Originator License #LO109414 • Certified Home Loans / CHL, LLC • NMLS #1806779
Buying or Refinancing?
Real Estate Agent?
Buying From Abroad?
Financing for Different Buyers, Properties & Goals
Every scenario is different. Start with the program category, then have Michelle review the actual borrower and property details.
Conventional
Flexible financing for eligible primary homes, second homes and investment scenarios.
Learn more →FHA & VA
Government-backed options for eligible borrowers, including qualified veterans and service members.
Learn more →Investment & DSCR
Financing for investors, including scenarios where property cash flow may be central to qualification.
Learn more →First-Time Buyers
Step-by-step guidance from pre-approval to closing, including assistance conversations where applicable.
Start here →Refinance
Review rate, payment, term, equity and break-even goals to determine whether refinancing may make sense.
Refinance options →Foreign Nationals
Mortgage guidance for international buyers purchasing Florida real estate.
International buyer center →Realtor Partners
A lender resource for Florida agents who want responsive communication for their buyers.
Realtor® Partner Center →Mortgage Calculators Built Around Real Questions
Use the tools for quick educational estimates, then have Michelle review the actual scenario.
Affordability
Estimate a purchase price based on income, debts, down payment and housing costs.
Calculate affordability →Closing Costs
Build a buyer-side estimate from lender, third-party and prepaid assumptions.
Estimate closing costs →Payment & Payoff
Estimate monthly payment and see how extra principal may change payoff timing.
Calculate payment →Live Rates & Mortgage News
National market information from Mortgage News Daily. These are market indices and news—not Certified Home Loans rate quotes or commitments to lend.
What’s Moving Mortgages Today
Fresh mortgage and housing headlines from Mortgage News Daily, updated automatically as new stories publish.
Mortgage News Daily content updates automatically from its source. Individual loan pricing depends on borrower, property, program and market factors.
Buying U.S. Real Estate From Abroad?
Foreign-national buyers may have different documentation, credit, income, reserve and ownership considerations. Start with a clear review of the buyer, property and intended use.
Foreign National Mortgage CenterFrom First Conversation to Closing
A simple roadmap so buyers and agents always know what comes next.
Different Borrowers Need Different Documents
A W-2 employee's file is different from a self-employed borrower's. The document center organizes common starting points by income type and situation.
W-2 Employees
Pay, employment and asset documentation typically used to verify income and funds.
View My Checklist →Self-Employed
Business ownership, tax return and financial documentation may be required depending on the program.
View My Checklist →Investors / DSCR
Property income, leases and housing-expense documentation may be central to the analysis.
View My Checklist →Foreign Nationals
Passport, foreign income/assets and source-of-funds documentation can differ by program.
View My Checklist →Refinance
Current mortgage, insurance, taxes and property information help frame the review.
View My Checklist →Special Situations
Gift funds, retirement income, rental income and sale-of-property proceeds may add documents.
View My Checklist →Useful Answers, Not Just Loan Products
Original buyer education designed for Florida consumers, investors and real estate professionals—and structured so Google and AI systems can understand the topics clearly.
Florida Property Taxes
Current and proposed changes that may matter to buyers, investors, second-home owners and foreign nationals.
Read the guide →Florida Condo Financing
Why reserves, milestone inspections, association finances and building eligibility can matter.
Read the guide →Insurance & Flood
Why insurance belongs in the mortgage conversation before a buyer gets too far into a transaction.
Read the guide →Foreign National Guide
Documentation, credit, down payment, reserves and ownership considerations for international buyers.
Read the guide →Grants & Down Payment Assistance
Current-source guide to Florida, Palm Beach County and Broward County homebuyer assistance programs.
Explore assistance →First-Time Buyer Guide
Pre-approval, cash-to-close, assistance-program questions and what to avoid before closing.
Read the guide →Mortgage Q&A
Answers to common questions about approvals, buydowns, DSCR, refinancing, self-employment and more.
Browse questions →Have a Mortgage Question or Buyer Scenario?
Call Michelle, send a message, or start the secure application.