Low rate mortgages,
made simple for you.
Swiftlend helps Florida families buy homes, refinance, and invest with industry-low rates, fast closings, and zero confusing fine print.
Loan Programs
A loan for every situation.
From first-time buyers to seasoned investors — the widest menu of mortgage products in Florida, all at industry-low rates.
Conventional, FHA & VA Loans
Industry-low rates on standard purchase and refinance loans with fast turnaround times.
Most PopularNon-Warrantable Condo Mortgages
The go-to experts for Non-warrantable condo financing in Florida, even with 10% deductibles.
SpecialtyForeign National Investor Mortgages
Mortgage loans for Foreign Nationals — easy to obtain, minimum documentation, no proof of foreign income.
InternationalOne-Time Close Construction Loan
Build your dream home with just 5% down. Min. 700 FICO & builder approval required.
New BuildNo Income Verification Investor Loans
Investor mortgages with quick turnaround — no income documentation required.
InvestorFix & Flip Mortgage
Investment property loans that close in as little as 7 days. Easy to obtain, investment properties only.
Close in 7 DaysFix & Rent
Acquire, renovate, and convert to rental income. For investors building long-term portfolios.
InvestorJumbo Mortgages
Low-rate jumbo loans for amounts above the $726,200 conforming limit. Competitive rates statewide.
High BalanceHome Equity Line of Credit
Use your HELOC to purchase simultaneously or tap equity out of your existing home.
EquityAirbnb Loans
Finance your Airbnb property using short-term rental income to qualify. Built for hosts.
Short-Term RentalFirst-Time Homebuyer Loans
Special low-down-payment options with Florida Hometown Heroes down payment assistance.
First-Time BuyerBridge Loans
Rapid approval and funding for situations where timing is critical. Buy now, sell later.
Fast FundingThe Process
Three steps to your new home.
We've removed all the complexity. Here's exactly what happens when you work with Swiftlend.
No hard credit pull required to get started. Check your options and pre-qualify without any impact to your credit score.
Answer a few questions
Tell us about the property and your situation. No documents yet — just a 5-minute conversation online.
Get your pre-approval
Soft credit check, zero score impact. Pre-approval letter sent the same day — usually within the hour.
Close on your timeline
Standard closings in 14–21 days. Fix & Flip can close in as few as 7 days. Your officer guides you every step.
Free Tools
Know your numbers first.
Free calculators — no account, no signup. Just honest answers upfront.
Closing Cost Estimator
Full buyer or seller fee worksheet in 90 seconds. Florida-specific, line-by-line.
Mortgage Payment Calculator
Monthly payment including principal, interest, taxes, insurance, and PMI.
Refinance Savings Calculator
See exactly how much you'd save monthly with today's lower rates.
How Much Can I Borrow?
Quick affordability check based on your income and debts. 60 seconds.
Why Swiftlend
What sets us apart.
We're a Miami-based mortgage broker, not a faceless national bank.
Miami-based. Locally focused.
We know Florida's condo rules, county quirks, and local rates inside out — things national lenders miss entirely.
Real people answer the phone.
Call (305) 985-4889 and a licensed loan officer picks up. No ticket queues, no bots, no runaround.
No jargon. No surprises.
We explain every fee in plain English before you sign. What you see on the estimate is exactly what you pay.
Widest loan selection in FL.
14+ loan programs — first-time buyers, Foreign Nationals, investors, Airbnb hosts, construction, and more.
Reviews
Straight from our clients.
Real homeowners and investors across Florida who trusted Swiftlend.
“Swiftlend made buying our condo so smooth. They were the only lender who would touch a non-warrantable building. Closed in 3 weeks.”
Jorge & Maria R.
First-time buyers · Miami, FL
“I'm a Foreign National and had been turned down by three banks. Swiftlend closed my investor property with no foreign income proof required.”
Alejandro B.
Investor · Brickell, FL
“As a Realtor I recommend Swiftlend to every client. They answer the phone, know the local market, and don't waste anyone's time.”
Sandra C.
Realtor · Coral Gables, FL
FAQ
Quick honest answers.
The questions we hear most — answered without the runaround.
Ready to find your rate?
No fees. No commitment. No fine print. Just a clear answer on what you qualify for — today.