Compare loan options
Explore programs from multiple lenders based on your qualifications, budget and property.
Florida Mortgage Broker for Simple and Complex Home Loans.
Buying, refinancing, or facing a loan other lenders can’t figure out?You’re in the right place. RK Mortgage is a top-rated Florida mortgage broker with 20+ years of experience and thousands of loans closed.
With 50+ programs, we handle everything from low down payment FHA and conventional loans to the complex ones: no-income-verification, bank statement, DSCR, jumbo, non-warrantable condo, foreign national and flexible-credit options. Complex loans are our specialty, and we see them through to closing.
What’s your next move?
Different plans.
The same personal attention.
What does a Florida mortgage broker do for you?
As a Florida mortgage broker, RK Mortgage helps you explore home loan programs based on your income, property and goals. We explain your options, costs and requirements and guide you from application through closing.
Understand the full picture
Review rates, closing costs and loan requirements so you can make an informed decision.
Get guidance through closing
We coordinate your loan file, help resolve documentation questions and keep you informed throughout the process.
RK Mortgage is a mortgage broker. The selected lender provides the financing and makes the final approval decision.
CFPB: mortgage broker vs. lenderThe RK Mortgage difference.
RK Mortgage offers over 50 loan programs for a wide range of Florida borrowers, from straightforward home purchases to complex financing scenarios. We review your income, property and timeline early, explain your options and stay involved through closing.
| What matters to you |  Mortgage broker | Retail LenderNon-bank direct lender | BankBank mortgage division |
|---|---|---|---|
| Proactive Communication | ✓ | × | × |
| Problems Identified Early | ✓ | × | × |
| Complex Deals Welcome | ✓ | Limited | Limited |
| Wholesale Rates | ✓ | × | × |
| Dozens of Loan Programs | ✓ | Limited | Limited |
| Florida Condo Expertise | ✓ | × | × |
| Realtor-First Approach | ✓ | × | × |
This comparison highlights RK Mortgage’s service approach and general lending-model differences. Banks are lenders too; “Retail Lender” here means a non-bank lender approached directly. Individual practices, programs and eligibility vary. Wholesale access does not guarantee a lower rate or approval; compare written Loan Estimates, including rates and fees.
A little confidence goes a long way.
“Roman was professional, knowledgeable, and always available to answer our questions.”Alex GolbertView Google reviews
“The entire team was professional, knowledgeable, and responsive throughout the process.”Soslan TedtoevView Google reviews
“You made the whole process smooth and stress-free. Working with professionals like this is truly a pleasure.”Anna KapkayevaView Google reviews
Selected excerpts from Google reviews.
Three simple steps.
- 01
Free consultation
We'll review your situation, answer your questions, and help identify loan options that fit your goals and budget — no obligation.
- 02
Pre-approval
We'll guide you through pre-approval so you can understand your budget and shop with confidence, subject to lender review.
- 03
Start to close
We manage your file from application to closing, coordinating with your lender, agent, title and insurance contacts to help keep your closing on track.
Florida mortgage options for your situation.
Your income, property and plans help determine which mortgage options may fit. Explore common borrower scenarios below, and we’ll help you understand what to review next.
Already own a home? Explore refinancing, cash-out refinance and HELOC options.
Explore refinance & home equity optionsFlorida home loan programs.
Explore financing for your home purchase, refinance or investment property. We help you compare programs based on your income, credit, property and goals.
Conventional loans in Florida
For homebuyers and homeowners who qualify using standard income and credit documentation. Explore purchase and refinance options, with loan terms and down-payment requirements based on your situation.
FHA loans in Florida
A low down-payment option for eligible buyers purchasing a primary residence. FHA loans can accommodate a wider range of credit profiles, with mortgage insurance and lender requirements included in the review.
USDA loans in Florida
Home financing with no down payment for eligible buyers purchasing a primary residence in a USDA-eligible rural area. Household income limits, property eligibility and lender requirements apply. We help you review whether this option fits your plans.
VA loans in Florida
Home financing for eligible veterans, service members and qualifying surviving spouses. We help you review your eligibility, purchase or refinance options, and the requirements for your property.
Jumbo loans in Florida
Financing above the applicable conforming loan limit for higher-priced homes. Down payments as low as 10% for qualified borrowers, subject to loan amount, property type and lender requirements.
Florida condo and non-warrantable condo loans
Financing for condos, including buildings that don’t meet standard agency guidelines. We review the borrower and project together, including condo hotels and buildings with association, insurance or eligibility challenges.
Bank statement loans in Florida
For self-employed borrowers and business owners whose tax returns may not reflect their available income. Eligible programs use personal or business bank statements to evaluate qualifying income instead of relying on tax returns.
DSCR loans in Florida
Investment property financing that evaluates rental income against the property’s debt obligations. A potential option for investors seeking to qualify without using personal tax-return income, subject to lender and property requirements.
Foreign national mortgage loans
Financing options for non-U.S. residents purchasing or refinancing eligible U.S. properties. We help you navigate identification, funds documentation and lender requirements, including options for borrowers without a U.S. credit history.
Non-QM mortgage options in Florida
Alternative mortgage options when conventional qualification requirements don’t fit your circumstances. Depending on the program, lenders may consider different income documentation or certain past credit events, with eligibility reviewed individually.
Florida refinance, cash-out and HELOC options
Explore ways to refinance your mortgage or access home equity. Compare a replacement loan with a separate home-equity line based on your existing mortgage, available equity, costs and financial goals.
Hard money loans in Florida
Alternative financing for real estate investors who need a faster closing or whose transaction doesn’t fit traditional mortgage requirements. Eligibility and closing timelines depend on the property, available equity and repayment strategy.
Eligibility, documentation, availability and loan terms depend on the borrower, property and lender guidelines.
Florida first-time home buyer programs.
Buying your first home in Florida? Explore low down payment mortgages and assistance programs that may help with your down payment and closing costs. We’ll help you understand what to review based on your income, credit, savings and property, so you can plan for both upfront costs and monthly payments.
Low Down Payment Options
Eligible buyers may qualify for conventional or FHA loans with a smaller down payment. Compare mortgage insurance, closing costs and monthly payments to understand the full cost of your loan. Some options are also available to repeat homebuyers.
Florida Down Payment Assistance
Florida Housing offers assistance through participating lenders to help eligible buyers cover down payments and closing costs. Programs have income, purchase-price and other requirements. Assistance may be a second mortgage with repayment or forgiveness conditions, so review the terms before including it in your budget.
Explore down payment assistanceFlorida Hometown Heroes
This Florida Housing program offers down payment and closing cost assistance to eligible homebuyers in qualifying occupations, with provisions for military borrowers. Income, employment and other program requirements apply. Assistance is a repayable second mortgage; confirm current funding and participating-lender access.
Check Hometown Heroes eligibilityEligibility and funding vary by program. Reviewing these resources does not confirm eligibility or assistance availability through RK Mortgage.
Florida mortgage rates, payments and closing costs.
Your mortgage is more than an interest rate. RK Mortgage helps you compare loan options, understand your monthly payment and plan for the funds you’ll need at closing.
Compare your rate options
We help you compare interest rates, APR, points and lender fees using written Loan Estimates. Your available terms depend on your credit, loan amount, down payment, property and rate-lock terms.
Florida mortgage payment planning
We help you look beyond principal and interest to include property taxes, homeowners insurance, any mortgage insurance and HOA dues. Understanding the full monthly cost helps you plan a budget that works for you.
Calculate your mortgage paymentFlorida closing costs
We help you review loan fees, third-party charges, prepaid expenses and escrow funding. Closing costs are one part of your cash to close, which also accounts for your down payment, deposit and applicable credits or adjustments.
Estimate your closing costsFlorida property details that can affect your mortgage.
Even when you qualify as a borrower, insurance, condo documents and how you plan to use the property can affect your mortgage options. RK Mortgage reviews these details early and helps you understand what to confirm with the selected lender.
Property insurance & monthly costs
Homeowners insurance, flood coverage where applicable, property taxes and HOA dues can change your monthly housing costs. We help you account for these expenses when reviewing your budget and clarify the lender’s insurance requirements.
Condo & HOA requirements
Condo financing may depend on association insurance, reserves, special assessments and building documentation. We help identify the project information the lender needs and review financing options for warrantable and non-warrantable condos.
Second homes & investment properties
A primary residence, second home and rental property can have different financing requirements. We review your intended use, including short-term rental or condo hotel plans, to help identify eligible loan options and questions to resolve early.
Your Florida
mortgage team.
RK Mortgage is a mortgage brokerage based in Aventura, helping borrowers across Florida with home purchases, refinancing and investment property financing.
We help you explore mortgage programs based on your income, property and goals, reviewing potential challenges early. From Florida condos to self-employed and foreign national borrowers, we explain the requirements, costs and next steps.
Talk through your loan scenario
Elina Maranges
Managing Partner
NMLS #1879100
Roman Khodos
Managing Partner
NMLS #437694
Richard Hazen
Mortgage Loan Originator
NMLS #842283
Lucrece Valentin
Mortgage Loan Originator
NMLS #1532740
A dedicated team of loan processors.
Our processing team organizes your loan documentation, tracks outstanding lender requirements and coordinates with your loan officer, the lender, title and insurance contacts. You receive clear requests and progress updates as your file moves through underwriting toward closing.
How to choose a mortgage broker in Florida.
Look for a licensed professional who understands your situation, explains your options and keeps you informed. These four questions can help you decide who to work with.
- Check licensing. Verify the company and your loan originator through NMLS Consumer Access, and confirm their contact details.
- Ask about relevant experience. Buying a condo, qualifying with self-employed income or financing an investment property? Ask how the broker approaches a scenario like yours.
- Understand rates and fees. Compare written Loan Estimates, including rates, points and lender fees. Ask how the broker is paid and where those costs are disclosed.
- Know who will guide your loan. Ask who your main contact will be, how you’ll receive updates and what’s needed for the next step.
What does a mortgage broker do in Florida?
A mortgage broker helps you compare loan options from multiple lenders and guides your application through closing. At RK Mortgage, we review your goals, income and property together to help you understand your options. The selected lender makes the final approval decision and provides the financing.
Is a mortgage broker the same as a mortgage lender?
No. A mortgage broker arranges financing with a lender, while the lender approves and funds the loan. RK Mortgage helps you compare eligible options and coordinates your file with the selected lender.
How does a Florida mortgage broker get paid?
RK Mortgage may be paid by the lender or by the borrower, depending on the loan program and applicable compensation arrangement. We explain how we’re paid and disclose the applicable costs in your loan documents, so you can understand them before moving forward.
Should I use a mortgage broker or a bank?
The right choice depends on your situation and the loan offers available to you. A broker gives you access to multiple lenders, while a bank offers its own mortgage programs. Compare rates, fees, relevant experience and the support you’ll receive.
Can a broker help after another lender declines my loan?
Yes, we can take a second look. We review why the loan was declined and explore whether another program or a different approach may fit. Available options depend on your income, credit, property and lender requirements.
What documents do I need for a Florida mortgage?
You’ll usually need identification and information about your income, assets, debts and property. Requirements vary by program, so we’ll provide a checklist for your situation and explain how to share documents securely.
How early should I get pre-approved before buying in Florida?
It’s a good idea to start before you make an offer. We help you review your financing and prepare the documents needed for pre-approval, so you can shop with a clearer budget. Final approval depends on lender review, the property and any remaining conditions.
Can RK Mortgage help self-employed borrowers?
Yes. We offer options for self-employed borrowers, including bank statement and profit-and-loss (P&L) loans. We’ll review your business income and available records to help identify a documentation approach that fits the program’s requirements.
Can RK Mortgage help with a non-warrantable condo or condo hotel?
Yes. We help explore financing for non-warrantable condos and condo hotels, reviewing both your qualifications and the property. These property types have different requirements, so we look at the building’s documentation, insurance and intended use early.
What options may be available to Florida real estate investors?
We offer DSCR loans and other investment property financing options. We’ll review the property, rental plans and available documentation to help you understand how you may qualify and what the lender will need.
Can foreign nationals or ITIN borrowers get a Florida mortgage?
Yes, we offer mortgage options for foreign national and ITIN borrowers. These are different financing paths, and we’ll help you explore the options for your circumstances and understand the documents needed for your income, funds and property.
How should I compare mortgage rates, points and lender fees?
Compare written Loan Estimates for the same loan structure and a similar time frame. Look at the interest rate, APR, points, lender fees, monthly payment and cash to close. We’ll help you understand the tradeoffs and any rate-lock conditions.
Does selecting a scenario pull my credit?
No. Choosing a scenario or sending us an inquiry does not pull your credit. If you decide to apply, we’ll explain the credit review and authorization process before an inquiry is made.
Mortgage guidance across Florida.
Based in Aventura, RK Mortgage helps buyers, homeowners and property investors across Florida explore purchase and refinance options. Connect with us to discuss your plans, wherever you’re buying in the state.
Serving borrowers in Miami · Fort Lauderdale · Orlando · Tampa · Jacksonville · St. Petersburg · Naples · Sarasota — and throughout Florida.
Our office: RK Mortgage LLC · 2980 NE 207th St., Suite 300 · Aventura, FL 33180
(786) 505-5626
Let’s talk about your
Florida mortgage.
Buying a home, refinancing or planning an investment? Share your goals with RK Mortgage. We’ll help you explore loan options, understand what’s needed and plan your next step.
(786) 505-5626Have a complex scenario? Let’s take a closer look.