Your Florida mortgage broker, coast to coast.
Licensed in Florida and shopping multiple wholesale lenders on every scenario — purchases, refinances, and investment property financing across the Sunshine State.
One broker.The whole market.
Working with a broker means your loan scenario is shopped across multiple wholesale lenders instead of being limited to one bank's rate sheet. For Florida buyers and homeowners, that often means a better rate, a smoother approval, or both.
Alejandro Betancourt (Mortgage Broker, NMLS #885110) works with clients across Florida — Miami, Fort Lauderdale, Orlando, Tampa, Jacksonville and beyond — with the same tools and process whether you're buying your first home or your fifth investment property.
Beacon Mortgage & Funding LLC is licensed in FL, GA, NC, SC AND PA, and most loans fund in under 30 days from application to closing.
What we do in Florida
- 01Purchase LoansFHA, VA, USDA, conventional and jumbo purchase financing across Florida, with a free pre-approval letter to start.
- 02RefinancingRate-and-term, cash-out, and streamline options — compare the numbers before you commit.
- 03Investor SolutionsFix-and-flip, ground-up construction, and DSCR rental financing structured for Florida investors.
- 04Fast ClosingsMost loans fund in under 30 days from application to closing — so you don't miss the property you want.
Financing the Sunshine State,end to end.
A plain-language guide to buying, refinancing, and investing in Florida real estate — and how a broker changes the math.
A Florida mortgage broker who shops the market for you
Beacon Mortgage & Funding LLC is a broker, not a single bank. Instead of accepting one institution's rate sheet, your scenario is shopped across multiple wholesale lenders — which is often where a better rate or an approval others missed is found.
Alejandro Betancourt (NMLS #885110) is licensed in Florida and works with buyers and homeowners across the state, from Miami and Fort Lauderdale to Orlando, Tampa, Jacksonville and everywhere between.
Florida home purchase loans, from first-time buyers to jumbo
Florida's market ranges from entry-level condos to waterfront jumbo properties, and the right loan program changes with the price point. FHA loans offer flexible qualification for first-time buyers, VA loans give eligible service members and veterans no-down-payment options, and conventional programs start as low as 3% down for well-qualified borrowers.
Above conventional loan limits, jumbo and super jumbo financing takes over — heavier documentation and more structure choices, where an experienced broker matters most.
Refinancing a Florida home
Whether the goal is a lower monthly payment, a shorter term, or cash out of existing equity, a refinance starts with comparing today's terms against your current loan — not with a sales pitch.
Florida homeowners can use the Refinance Rate Checker to see what a new rate, term, or cash-out structure would actually do to the numbers before committing to an application.
Florida investment property and private lending
Florida is one of the most active investor markets in the country. Beacon offers investor-friendly financing for fix-and-flip projects, ground-up construction, DSCR rental loans, and investment property acquisitions — common-sense underwriting built around the deal, not a W-2.
Fast draws and flexible structures keep projects moving, whether it's a single flip or a growing rental portfolio.
Get your personalizedmortgage options.
Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Pick the line that matches your situation — you'll go straight to the right tool.
Prefer to talk it through? (786) 305-7934