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[HU] Low rate mortgages,
[HU] made simple [HU] for you.

[HU] Swiftlend helps Florida families buy homes, refinance, and invest with industry-low rates, fast closings, and zero confusing fine print.

[HU] Get My Rate[HU] Refinance Rate Checker →
Illustration of a modern home financed with Swiftlend

[HU] Pre-approved in minutes

[HU] No impact to your credit score

G5.0Read our Google reviews

[HU] Loan Programs

[HU] A loan for every situation.

[HU] From first-time buyers to seasoned investors — the widest menu of mortgage products in Florida, all at industry-low rates.

[HU] Down Payment Assistance

[HU] Florida programs give first-time buyers $10,000–$35,000 toward down payment and closing costs — one is fully forgiven after 5 years.

[HU] Up to $35,000

[HU] Conventional, FHA & VA Loans

[HU] Industry-low rates on standard purchase and refinance loans with fast turnaround times.

[HU] Most Popular

[HU] Non-Warrantable Condo Mortgages

[HU] The go-to experts for Non-warrantable condo financing in Florida, even with 10% deductibles.

[HU] Specialty

[HU] Foreign National Investor Mortgages

[HU] Mortgage loans for Foreign Nationals — easy to obtain, minimum documentation, no proof of foreign income.

[HU] International

[HU] One-Time Close Construction Loan

[HU] Build your dream home with just 5% down. Min. 700 FICO & builder approval required.

[HU] New Build

[HU] No Income Verification Investor Loans

[HU] Investor mortgages with quick turnaround — no income documentation required.

[HU] Investor

[HU] Fix & Flip Mortgage

[HU] Investment property loans that close in as little as 7 days. Easy to obtain, investment properties only.

[HU] Close in 7 Days

[HU] Fix & Rent

[HU] Acquire, renovate, and convert to rental income. For investors building long-term portfolios.

[HU] Investor

[HU] Jumbo Mortgages

[HU] Low-rate jumbo loans for amounts above the $726,200 conforming limit. Competitive rates statewide.

[HU] High Balance

[HU] Home Equity Line of Credit

[HU] Use your HELOC to purchase simultaneously or tap equity out of your existing home.

[HU] Equity

[HU] Airbnb Loans

[HU] Finance your Airbnb property using short-term rental income to qualify. Built for hosts.

[HU] Short-Term Rental

[HU] First-Time Homebuyer Loans

[HU] Special low-down-payment options with Florida Hometown Heroes down payment assistance.

[HU] First-Time Buyer

[HU] Bridge Loans

[HU] Rapid approval and funding for situations where timing is critical. Buy now, sell later.

[HU] Fast Funding

[HU] The Process

[HU] Three steps to your new home.

[HU] We've removed all the complexity. Here's exactly what happens when you work with Swiftlend.

💡

[HU] No hard credit pull required [HU] to get started. Check your options and pre-qualify without any impact to your credit score.

01

[HU] Answer a few questions

[HU] Tell us about the property and your situation. No documents yet — just a 5-minute conversation online.

02

[HU] Get your pre-approval

[HU] Soft credit check, zero score impact. Pre-approval letter sent the same day — usually within the hour.

03

[HU] Close on your timeline

[HU] Standard closings in 14–21 days. Fix & Flip can close in as few as 7 days. Your officer guides you every step.

[HU] Free Tools

[HU] Know your numbers first.

[HU] Free calculators — no account, no signup. Just honest answers upfront.

[HU] Closing Cost Estimator

[HU] Full buyer or seller fee worksheet in 90 seconds. Florida-specific, line-by-line.

[HU] Mortgage Payment Calculator

[HU] Monthly payment including principal, interest, taxes, insurance, and PMI.

[HU] Refinance Savings Calculator

[HU] See exactly how much you'd save monthly with today's lower rates.

[HU] How Much Can I Borrow?

[HU] Quick affordability check based on your income and debts. 60 seconds.

[HU] Why Swiftlend

[HU] What sets us apart.

[HU] We're a Miami-based mortgage broker, not a faceless national bank.

📍

[HU] Miami-based. Locally focused.

[HU] We know Florida's condo rules, county quirks, and local rates inside out — things national lenders miss entirely.

📞

[HU] Real people answer the phone.

[HU] Call (305) 985-4889 and a licensed loan officer picks up. No ticket queues, no bots, no runaround.

✅

[HU] No jargon. No surprises.

[HU] We explain every fee in plain English before you sign. What you see on the estimate is exactly what you pay.

⚡

[HU] Widest loan selection in FL.

[HU] 14+ loan programs — first-time buyers, Foreign Nationals, investors, Airbnb hosts, construction, and more.

[HU] Reviews

[HU] Straight from our clients.

[HU] Real homeowners and investors across Florida who trusted Swiftlend.

★★★★★
“[HU] Swiftlend made buying our condo so smooth. They were the only lender who would touch a non-warrantable building. Closed in 3 weeks.”
JM

[HU] Jorge & Maria R.

[HU] First-time buyers · Miami, FL

★★★★★
“[HU] I'm a Foreign National and had been turned down by three banks. Swiftlend closed my investor property with no foreign income proof required.”
AB

[HU] Alejandro B.

[HU] Investor · Brickell, FL

★★★★★
“[HU] As a Realtor I recommend Swiftlend to every client. They answer the phone, know the local market, and don't waste anyone's time.”
SC

[HU] Sandra C.

[HU] Realtor · Coral Gables, FL

[HU] FAQ

[HU] Quick honest answers.

[HU] The questions we hear most — answered without the runaround.

[HU] Our initial pre-approval uses a soft credit pull that does not affect your score. A hard inquiry only happens when you formally submit your full mortgage application, and we'll always ask your permission first.
[HU] Standard purchase loans close in 14–21 days. Fix & Flip investment loans can close in as few as 7 days. A lot depends on appraisal and title, but we're transparent about your timeline from day one.
[HU] No. There is no application fee at Swiftlend. The only upfront third-party cost is an appraisal fee, collected once we've locked your rate and you've decided to proceed.
[HU] Yes. Swiftlend specializes in Foreign National Investor Mortgages. We require minimum documentation and do not require proof of foreign income. This is one of our most common loan types.
[HU] Florida's Hometown Heroes program provides down payment assistance for qualifying first-time buyers in community service roles — teachers, nurses, firefighters, law enforcement, and more.
[HU] Yes — our Airbnb Loan program allows you to use short-term rental income to qualify. We understand the short-term rental economy and know how to underwrite it correctly.

[HU] Ready to find your rate?

[HU] No fees. No commitment. No fine print. Just a clear answer on what you qualify for — today.

[HU] Get Pre-Approved Free →[HU] Try a Calculator