Lexington Home Loans is a licensed Florida mortgage broker serving the state since 2007 — purchase, refinance, reverse, and investment financing from the panhandle to the Keys.
Florida draws retirees, second-home buyers, and investors in force, which makes reverse mortgages, DSCR investor loans, and condo and second-home financing especially active here. With no state income tax and a large base of self-employed residents, our bank-statement programs are a natural fit. We help borrowers weigh insurance and HOA costs into the full monthly picture.
From first homes to investment properties, the full lineup — and the hard-to-place loans most lenders decline.
Low down payments for primary homes, with options under 20% down.
Government-backed loans down to a 500 FICO where others stop at 580.
Financing above conforming limits for higher-value homes.
Tap equity or lower your rate without touching your first mortgage.
For homeowners 62+, down to a 500 FICO with past mortgage lates OK.
Qualify a rental on its own cash flow — down to a 0.75 ratio.
Self-employed income read from 12–24 months of deposits, no W-2 needed.
Tell us the scenario — commercial inquiries are welcome.
Nine calculators, from payment to investor cash flow.