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    • Home
    • Branch Locations
    • BROV Request
    • Loan Programs
    • Resources
    • Online Forms
    • Mortgage calculator
    • Our Blog
    • Apply Now
      • Carlos Lastres
      • Connor Ludden
      • Danaize Galvan
      • Dariel Paula
      • Gerardo Portela
      • Ghulian Ramos
      • Janell Vega
      • Jenny Mourino
      • Jessica Cerrato
      • Joaquin Dominguez
      • Julio Noy
      • Liany Solano
      • Luis Hernandez
      • Maria "Lili" Perez
      • Saili Saker
      • Todd Roderiquez
      • Troy Gilroy

305.554.7698


  • Home
  • Branch Locations
  • BROV Request
  • Loan Programs
  • Resources
  • Online Forms
  • Mortgage calculator
  • Our Blog
  • Apply Now
    • Carlos Lastres
    • Connor Ludden
    • Danaize Galvan
    • Dariel Paula
    • Gerardo Portela
    • Ghulian Ramos
    • Janell Vega
    • Jenny Mourino
    • Jessica Cerrato
    • Joaquin Dominguez
    • Julio Noy
    • Liany Solano
    • Luis Hernandez
    • Maria "Lili" Perez
    • Saili Saker
    • Todd Roderiquez
    • Troy Gilroy

Loan Programs

Available Program Options

Conventional Loan

Conventional Loan

Conventional Loan

A mortgage not insured or guaranteed by a government agency.

Suitable for borrowers with good credit and a substantial down payment.

FHA Loan

Conventional Loan

Conventional Loan

Backed by the government, often with lower down payment requirements and more flexible credit criteria.

Aimed at first-time homebuyers or those with limited financial resources.

VA Loan

Conventional Loan

Bank Statement Loan

Exclusive to eligible military veterans, active-duty service members, and their spouses.

Typically offers favorable terms, including zero down payment.

Bank Statement Loan

Bank Statement Loan

Bank Statement Loan

  Instead of providing tax returns and W-2 forms, applicants submit their personal or business bank statements, typically covering the past 12 to 24 months. Lenders use these statements to assess the borrower's cash flow and income.  

Due to the increased risk associated with limited income documentation, Bank Statement Loans may come with slightly higher interest rates compared to traditional mortgages. 

DSCR Loan

Bank Statement Loan

DSCR Loan

DSCR loans prioritize the property's ability to generate sufficient income to cover its debt payments. Lenders use the DSCR ratio to assess this by dividing the property's net operating income (NOI) by its total debt service.​

Generally, a DSCR ratio above 1 indicates that the property generates enough income to cover its debt obligations.

DPA Loan

Bank Statement Loan

DSCR Loan

 DPA loans offer financial support to eligible homebuyers by providing a portion or the entire down payment required to secure a mortgage. This can be especially beneficial for individuals who may have difficulty saving for a down payment on their own. 

Jumbo Loan

Adjustable-Rate Mortgage

Adjustable-Rate Mortgage

For home purchases that exceed conforming loan limits.

Suited for high-value properties, providing financing beyond standard loan limits.

Adjustable-Rate Mortgage

Adjustable-Rate Mortgage

Adjustable-Rate Mortgage

Offers an initial fixed interest rate, which later adjusts based on market conditions.

Suitable for individuals who anticipate changes in their financial situation or plan to move before the rate adjusts.

USDA Loan

Adjustable-Rate Mortgage

Interest-Only Mortgage

Designed for rural and suburban homebuyers, offering low to zero down payment options.

Income restrictions may apply.

Interest-Only Mortgage

Interest-Only Mortgage

Interest-Only Mortgage

Allows borrowers to pay only the interest for a specified period, typically the initial years.

Useful for those with fluctuating income or short-term financial goals.

Reverse Mortgage

Interest-Only Mortgage

Reverse Mortgage

Geared towards older homeowners, it allows them to convert home equity into cash.

Repayment is typically deferred until the borrower sells the home, moves, or passes away.

Bridge Loan

Interest-Only Mortgage

Reverse Mortgage

Short-term financing option used when a homeowner is buying a new home before selling their existing one.

Helps bridge the financial gap between the sale and purchase of properties.

Construction Loan

Construction Loan

Construction Loan

 A residential construction loan is a type of short-term financing used to fund the construction of a new home or significant renovations to an existing property. This type of loan is different from a traditional mortgage, which is used to purchase a completed home. Residential construction loans are designed to provide funds in stages as the construction progresses, and they are usually replaced by a permanent mortgage once the construction is complete. 

Commercial Loan

Construction Loan

Construction Loan

 The application process for a commercial loan often requires substantial documentation, including financial statements, tax returns, business plans, and other relevant information. Lenders use this information to assess the borrower's ability to repay the loan 

Private Loan

Construction Loan

Private Loan

 Private lenders can include individuals, groups of investors, or private lending institutions. These lenders may be more willing to consider factors beyond traditional credit scores, such as the potential profitability of the investment.  Like traditional loans, private loans on investment properties usually require collateral. The investment property itself serves as collateral, and the lender will have a lien on the property until the loan is repaid. 

Apply Now
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Belem Servicing LLC dba Blue Harbor Lending

7855 Southwest 104th Street, Ste 210, Miami, Florida 33156, United States

305.554.7698 | 888.748.2583

Company NMLS: 715386 https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/715386


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