Congratulations on the license! 🎉 Now here’s the part they didn’t teach in real estate school: deals live and die in the FINANCING. This page is your cheat sheet — every loan type in plain English, the mistakes that kill closings, and free tools that make you look like a 10-year veteran on day one.
🤝 Partner With My TeamBookmark this page · Free tools inside · Se habla español
Here’s a secret from 16+ years in this business: the agent who saves a dying deal is the agent who gets the next referral. And most deals don’t die over price or inspections — they die in financing. A bank has ONE rulebook; if your buyer doesn’t fit, that’s a canceled contract and a lost commission. As a broker with 50+ lenders, one “no” is just the start of my conversation. Self-employed buyer? Foreign national? Tricky condo building? That’s not a problem — that’s my Tuesday.
The classic. As little as 3–5% down for strong-credit buyers. Your bread and butter.
3.5% down and forgiving on credit. The first-time buyer’s best friend.
Veterans and active military: $0 down, no monthly mortgage insurance. If they served, start here.
Big homes, big loans — including creative income structures for wealthy buyers banks fumble.
Self-employed with “low” tax returns? We qualify them on real deposits instead. Deal-saver #1.
The property’s RENT qualifies the loan — not your buyer’s income. Investors love this.
Passport instead of social security number. Miami’s international buyers are very financeable.
Non-warrantable buildings, new construction, condotels — the buildings other lenders run from.
Builder deals, extended locks, and the timing dance — handled.
Physicians: up to $0 down with no mortgage insurance. Yes, really.
Gold cards = the specialties where deals come to ME after a bank said no. 😏
Pre-approval beats pre-qualification. Every time. A pre-qual is a guess; a pre-approval means documents were reviewed and the number is real. Listing agents can smell the difference — and so can sellers.
The buyer’s FIRST call is the lender — not the showing. Touring homes before knowing the real budget is how buyers fall in love with houses they can’t buy. Protect your weekends: pre-approval first.
Condos: the BUILDING has to qualify, not just the buyer. In Florida this kills deals weekly. Check the building BEFORE writing the offer with my free Condo Finance Check — type the ZIP, see the buildings.
Under contract = don’t touch anything. No new debt, no job changes, no mystery deposits until keys. Send your buyers the Under-Contract Roadmap — there’s even a Final Boss quiz game 🎮 that makes the rules stick.
Your lender should be your co-marketer. The right lending partner sends you tools, co-branded materials, and answers on the first ring — and never, ever poaches your client. That’s the partnership I run.
Payment calculators, cash-to-close, renter-converter — open and free, no signup.
Open the toolbox →Type a listing price → instant payment + income needed, on a PDF with YOUR name on it.
Try it on a listing →714 Florida buildings — see which already pass lender review before you write the offer.
Search a ZIP →The 4 stages from contract to keys — send it to every buyer the day they go under contract.
See the road →And when we partner up, you get a personal referral link — every buyer you send is tagged to you in my system forever, plus co-branded materials with your name riding shotgun. Grab your link in the toolbox →
Fifteen minutes: how I pre-approve your buyers fast, how the referral partnership works, and how to never lose a commission to financing. No pitch — just a lender who answers the phone. Se habla español.
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Ronald will reach out shortly to set up your partnership.
Faster: grab a time now or call/text 305-785-3915.
A pre-qual is a guess based on what the buyer says. A pre-approval means we actually reviewed their documents — income, assets, credit — and the number is real. In a competitive market, listing agents can smell the difference. Always send your buyers for the real thing.
A bank has ONE rulebook — if the buyer doesn't fit it, the answer is no. A broker shops 50+ lenders, so one 'no' is just the beginning of the conversation. For self-employed buyers, investors, foreign nationals, and condo purchases, that menu is often the difference between a closing and a canceled contract.
With documents in hand, typically 24–48 hours for a full pre-approval — and a same-day pre-qual conversation to get them oriented. Send them my way before the first showing and you'll never tour homes they can't buy.
Bank statement loans qualify them on 12–24 months of real deposits instead of tax returns. This is one of my specialties — don't let a business owner walk away because their bank said no.
Yes — the BUILDING has to qualify, not just the buyer. Some Florida buildings need a full project review or a non-QM lender. Use my free Condo Finance Check tool to look up the building by ZIP before you write the offer.
No new debt, no job changes, no mystery deposits, no co-signing — until keys are in hand. Send them my Under-Contract Roadmap; it walks them through all four stages, and there's even a quiz game that makes the rules stick.
Sí — se habla español. Your Spanish-speaking buyers get the whole process explained clearly in their language.
⏳ One honest heads-up: loan programs, rates, and guidelines are written in pencil, not stone — they can change at any time. Program details above are simplified for learning; every buyer’s file is different. When your client’s situation is real, call me and we’ll run it against the current rulebook: 305-785-3915.