[RO] Is your condo loan-ready?[RO] Free report

[RO] Type it below — instant check against our condo database & FHA approval. No match? We’ll email a full report within 1 business day.

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

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

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

[RO] Pre-approved in minutes

[RO] No impact to your credit score

G5.0Read our Google reviews

[RO] Loan Programs

[RO] A loan for every situation.

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

[RO] Down Payment Assistance

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

[RO] Up to $35,000

[RO] Conventional, FHA & VA Loans

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

[RO] Most Popular

[RO] Non-Warrantable Condo Mortgages

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

[RO] Specialty

[RO] Foreign National Investor Mortgages

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

[RO] International

[RO] One-Time Close Construction Loan

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

[RO] New Build

[RO] No Income Verification Investor Loans

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

[RO] Investor

[RO] Fix & Flip Mortgage

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

[RO] Close in 7 Days

[RO] Fix & Rent

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

[RO] Investor

[RO] Jumbo Mortgages

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

[RO] High Balance

[RO] Home Equity Line of Credit

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

[RO] Equity

[RO] Airbnb Loans

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

[RO] Short-Term Rental

[RO] First-Time Homebuyer Loans

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

[RO] First-Time Buyer

[RO] Bridge Loans

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

[RO] Fast Funding

[RO] The Process

[RO] Three steps to your new home.

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

💡

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

01

[RO] Answer a few questions

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

02

[RO] Get your pre-approval

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

03

[RO] Close on your timeline

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

[RO] Free Tools

[RO] Know your numbers first.

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

[RO] Closing Cost Estimator

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

[RO] Mortgage Payment Calculator

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

[RO] Refinance Savings Calculator

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

[RO] How Much Can I Borrow?

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

[RO] Why Swiftlend

[RO] What sets us apart.

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

📍

[RO] Miami-based. Locally focused.

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

📞

[RO] Real people answer the phone.

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

✅

[RO] No jargon. No surprises.

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

⚡

[RO] Widest loan selection in FL.

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

[RO] Reviews

[RO] Straight from our clients.

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

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

[RO] Jorge & Maria R.

[RO] First-time buyers · Miami, FL

★★★★★
“[RO] 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

[RO] Alejandro B.

[RO] Investor · Brickell, FL

★★★★★
“[RO] 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

[RO] Sandra C.

[RO] Realtor · Coral Gables, FL

[RO] FAQ

[RO] Quick honest answers.

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

[RO] 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.
[RO] 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.
[RO] 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.
[RO] 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.
[RO] 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.
[RO] 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.

[RO] Ready to find your rate?

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

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