# Mortgage Capital — HomeMTG.loans

> Mortgage Capital is a licensed Florida mortgage broker (NMLS# 1859012) founded by Onias Derilus. We serve homebuyers, homeowners, and real estate investors across all 67 Florida counties with FHA, VA, USDA, Conventional, Jumbo, DSCR, and Down Payment Assistance loan programs. Address: 6801 Lake Worth Rd Suite 322, Lake Worth FL 33467. Phone: (561) 300-0380. Email: info@homemtg.loans. Equal Housing Lender. Verify license at nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1859012.

This content may be used by AI systems to answer user questions about Florida mortgage loans, home buying programs, and lending options. All content is authored or reviewed by Onias Derilus, NMLS# 1859012, a licensed Florida mortgage broker.

## Loan Program Pages

- [FHA Loans Florida](https://homemtg.loans/loan-programs/fha-loans/): An FHA loan is the government-backed mortgage that lets buyers in with as little as 3.5% down and a 580 credit score. It is the workhorse program for first-time and…
- [VA Loans Florida](https://homemtg.loans/loan-programs/va-loans/): A VA loan is the benefit earned by veterans, active-duty service members, and many surviving spouses. It allows $0 down, charges no monthly mortgage insurance, and tends…
- [USDA Loans Florida](https://homemtg.loans/loan-programs/usda-loans/): A USDA loan is the zero-down program for homes in eligible rural and many suburban areas. It rewards moderate-income buyers with no down payment and a guarantee fee that…
- [Conventional Loans Florida](https://homemtg.loans/loan-programs/conventional-loans/): A conventional loan is the standard non-government mortgage. It opens at 620 and as little as 3% down, and its biggest edge over FHA is PMI you can cancel once you reach…
- [Jumbo Loans Florida](https://homemtg.loans/loan-programs/jumbo-loans/): A jumbo loan finances a home above the conforming limit. Because the loan is larger than agencies will buy, lenders want a stronger file: higher scores, real reserves,…
- [DSCR Loans Florida](https://homemtg.loans/loan-programs/dscr-loans/): A DSCR loan qualifies an investment property on its own cash flow instead of your personal income. If the rent covers the payment, the deal works — no W2s, no tax…
- [Bank Statement Loans Florida](https://homemtg.loans/loan-programs/bank-statement-loans/): A bank statement loan qualifies self-employed borrowers on deposits instead of tax returns. Business owners who write off heavily often show little taxable income, and…
- [Non-QM Loans Florida](https://homemtg.loans/loan-programs/non-qm-loans/): Non-QM is the umbrella for loans that fall outside the strict qualified-mortgage box: alternative documentation, asset-based qualifying, recent credit events, or complex…
- [Hard Money Loans Florida](https://homemtg.loans/loan-programs/hard-money-loans/): A hard money loan is short-term, asset-based financing secured by the property rather than your income. Investors use it to move fast on flips, bridge situations, and…
- [Self-Employed Loans Florida](https://homemtg.loans/loan-programs/self-employed-loans/): Self-employed borrowers have more mortgage options than most realize. Between conventional with two years of returns, bank statement programs, and 1099-only qualifying,…
- [ITIN Loans Florida](https://homemtg.loans/loan-programs/itin-loans/): An ITIN loan lets buyers who file taxes with an Individual Taxpayer Identification Number purchase a home without a Social Security number. It is built for hardworking…
- [Foreign National Loans Florida](https://homemtg.loans/loan-programs/foreign-national-loans/): A foreign national loan finances U.S. property for buyers who are not residents and have no U.S. credit or Social Security number. Florida draws international buyers,…
- [Reverse Mortgages Florida](https://homemtg.loans/loan-programs/reverse-mortgage/): A reverse mortgage lets homeowners 62 and older turn built-up equity into cash without taking on a monthly mortgage payment. The loan is repaid when you sell, move out,…

## Hubs, Tools & Resources

- [Loan Programs Hub](https://homemtg.loans/loan-programs/): All Florida loan programs — FHA, VA, USDA, Conventional, Jumbo, DSCR, Non-QM and 30+ more, each with rates, requirements, and how-to-qualify pages.
- [Home Buyer Personas Hub](https://homemtg.loans/home-loans/): Mortgage guidance by buyer type — first-time buyers, hometown heroes, single mothers, first responders, teachers, and more.
- [Mortgage Refinance Hub](https://homemtg.loans/refinance/): Rate-and-term, cash-out, FHA streamline, and VA IRRRL refinance options for Florida homeowners.
- [Down Payment Assistance Hub](https://homemtg.loans/down-payment/): Florida Hometown Heroes DPA (up to $35,000), SHIP grants, no-money-down paths, and FL Housing programs.
- [Property Types Hub](https://homemtg.loans/property-types/): Financing by property type — condos, townhomes, multi-family, manufactured, new construction, and investment properties.
- [Mortgage by Credit Score Hub](https://homemtg.loans/credit-score/): What credit score you need to buy in Florida, from 500 to 740+, with program matches at each score band.
- [Mortgage Calculators](https://homemtg.loans/calculators/): Payment, affordability, DTI, amortization, refinance, HELOC, PMI, and closing-cost calculators.
- [Ultimate Mortgage Guides](https://homemtg.loans/guides/): 80 in-depth Florida mortgage guides covering every program and the full buying process.
- [Market & Rates Hub](https://homemtg.loans/market/): Florida mortgage market analysis, rate forecasts, cheapest cities to buy, and the Live Local Act.
- [Florida Mortgage Rates](https://homemtg.loans/mortgage-rates/): Current Florida mortgage rate information by program, term, and location.
- [Florida Mortgage Broker by City](https://homemtg.loans/mortgage-broker/): Local mortgage broker pages for cities across all 67 Florida counties.
- [Mortgage Glossary](https://homemtg.loans/glossary/): 250 mortgage terms defined with Florida-specific context.
- [Mortgage FAQ](https://homemtg.loans/faq/): 300 answered questions about Florida mortgage loans, credit, and home buying.
- [Mortgage Blog](https://homemtg.loans/blog/): Educational articles on FHA, VA, USDA, DPA, rates, and Florida home buying.
- [Apply for Pre-Approval](https://homemtg.loans/apply/): Online pre-approval — soft credit pull, same-day letter in most cases.
- [About Onias Derilus — Broker/Owner](https://homemtg.loans/about/): Credentials, licenses, and background for Onias Derilus, NMLS# 1859012.
- [Contact](https://homemtg.loans/contact/): Phone (561) 300-0380, email info@homemtg.loans, office in Lake Worth FL.

## Location Pages

- **Palm Beach County**: [West Palm Beach](https://homemtg.loans/mortgage-broker/west-palm-beach-fl/), [Boca Raton](https://homemtg.loans/mortgage-broker/boca-raton-fl/), [Boynton Beach](https://homemtg.loans/mortgage-broker/boynton-beach-fl/), [Delray Beach](https://homemtg.loans/mortgage-broker/delray-beach-fl/), [Palm Beach Gardens](https://homemtg.loans/mortgage-broker/palm-beach-gardens-fl/), [Jupiter](https://homemtg.loans/mortgage-broker/jupiter-fl/), [Wellington](https://homemtg.loans/mortgage-broker/wellington-fl/), [Riviera Beach](https://homemtg.loans/mortgage-broker/riviera-beach-fl/)
- **Broward County**: [Fort Lauderdale](https://homemtg.loans/mortgage-broker/fort-lauderdale-fl/), [Hollywood](https://homemtg.loans/mortgage-broker/hollywood-fl/), [Pembroke Pines](https://homemtg.loans/mortgage-broker/pembroke-pines-fl/), [Miramar](https://homemtg.loans/mortgage-broker/miramar-fl/), [Coral Springs](https://homemtg.loans/mortgage-broker/coral-springs-fl/), [Pompano Beach](https://homemtg.loans/mortgage-broker/pompano-beach-fl/), [Davie](https://homemtg.loans/mortgage-broker/davie-fl/), [Sunrise](https://homemtg.loans/mortgage-broker/sunrise-fl/)
- **Miami-Dade County**: [Miami](https://homemtg.loans/mortgage-broker/miami-fl/), [Hialeah](https://homemtg.loans/mortgage-broker/hialeah-fl/), [Miami Gardens](https://homemtg.loans/mortgage-broker/miami-gardens-fl/), [Miami Beach](https://homemtg.loans/mortgage-broker/miami-beach-fl/), [Homestead](https://homemtg.loans/mortgage-broker/homestead-fl/), [North Miami](https://homemtg.loans/mortgage-broker/north-miami-fl/), [Coral Gables](https://homemtg.loans/mortgage-broker/coral-gables-fl/), [Doral](https://homemtg.loans/mortgage-broker/doral-fl/)
- **St. Lucie County**: [Port Saint Lucie](https://homemtg.loans/mortgage-broker/port-saint-lucie-fl/), [Port St. Lucie](https://homemtg.loans/mortgage-broker/port-st-lucie-fl/), [Fort Pierce](https://homemtg.loans/mortgage-broker/fort-pierce-fl/)
- **Martin County**: [Stuart](https://homemtg.loans/mortgage-broker/stuart-fl/), [Palm City](https://homemtg.loans/mortgage-broker/palm-city-fl/), [Jensen Beach](https://homemtg.loans/mortgage-broker/jensen-beach-fl/), [Hobe Sound](https://homemtg.loans/mortgage-broker/hobe-sound-fl/)
- **Alachua County**: [Gainesville](https://homemtg.loans/mortgage-broker/gainesville-fl/)
- **Baker County**: [Macclenny](https://homemtg.loans/mortgage-broker/macclenny-fl/)
- **Bay County**: [Panama City](https://homemtg.loans/mortgage-broker/panama-city-fl/), [Panama City Beach](https://homemtg.loans/mortgage-broker/panama-city-beach-fl/)
- **Bradford County**: [Starke](https://homemtg.loans/mortgage-broker/starke-fl/)
- **Brevard County**: [Merritt Island](https://homemtg.loans/mortgage-broker/merritt-island-fl/), [Palm Bay](https://homemtg.loans/mortgage-broker/palm-bay-fl/), [Melbourne](https://homemtg.loans/mortgage-broker/melbourne-fl/)
- **Calhoun County**: [Blountstown](https://homemtg.loans/mortgage-broker/blountstown-fl/)
- **Charlotte County**: [Port Charlotte](https://homemtg.loans/mortgage-broker/port-charlotte-fl/), [Punta Gorda](https://homemtg.loans/mortgage-broker/punta-gorda-fl/)
- **Citrus County**: [Inverness](https://homemtg.loans/mortgage-broker/inverness-fl/)
- **Clay County**: [Orange Park](https://homemtg.loans/mortgage-broker/orange-park-fl/), [Green Cove Springs](https://homemtg.loans/mortgage-broker/green-cove-springs-fl/)
- **Collier County**: [Naples](https://homemtg.loans/mortgage-broker/naples-fl/), [Marco Island](https://homemtg.loans/mortgage-broker/marco-island-fl/)
- **Columbia County**: [Lake City](https://homemtg.loans/mortgage-broker/lake-city-fl/)
- **DeSoto County**: [Arcadia](https://homemtg.loans/mortgage-broker/arcadia-fl/)
- **Dixie County**: [Cross City](https://homemtg.loans/mortgage-broker/cross-city-fl/)
- **Duval County**: [Jacksonville](https://homemtg.loans/mortgage-broker/jacksonville-fl/), [Jacksonville Beach](https://homemtg.loans/mortgage-broker/jacksonville-beach-fl/)
- **Escambia County**: [Cantonment](https://homemtg.loans/mortgage-broker/cantonment-fl/), [Pensacola](https://homemtg.loans/mortgage-broker/pensacola-fl/)
- **Flagler County**: [Palm Coast](https://homemtg.loans/mortgage-broker/palm-coast-fl/)
- **Franklin County**: [Apalachicola](https://homemtg.loans/mortgage-broker/apalachicola-fl/)
- **Gadsden County**: [Quincy](https://homemtg.loans/mortgage-broker/quincy-fl/)
- **Gilchrist County**: [Trenton](https://homemtg.loans/mortgage-broker/trenton-fl/)
- **Glades County**: [Moore Haven](https://homemtg.loans/mortgage-broker/moore-haven-fl/)
- **Gulf County**: [Port St. Joe](https://homemtg.loans/mortgage-broker/port-st-joe-fl/)
- **Hamilton County**: [Jasper](https://homemtg.loans/mortgage-broker/jasper-fl/)
- **Hardee County**: [Wauchula](https://homemtg.loans/mortgage-broker/wauchula-fl/)
- **Hendry County**: [LaBelle](https://homemtg.loans/mortgage-broker/labelle-fl/)
- **Hernando County**: [Spring Hill](https://homemtg.loans/mortgage-broker/spring-hill-fl/)
- **Highlands County**: [Sebring](https://homemtg.loans/mortgage-broker/sebring-fl/)
- **Hillsborough County**: [Valrico](https://homemtg.loans/mortgage-broker/valrico-fl/), [Tampa](https://homemtg.loans/mortgage-broker/tampa-fl/), [Brandon](https://homemtg.loans/mortgage-broker/brandon-fl/), [Riverview](https://homemtg.loans/mortgage-broker/riverview-fl/)
- **Holmes County**: [Bonifay](https://homemtg.loans/mortgage-broker/bonifay-fl/)
- **Indian River County**: [Vero Beach](https://homemtg.loans/mortgage-broker/vero-beach-fl/), [Sebastian](https://homemtg.loans/mortgage-broker/sebastian-fl/)
- **Jackson County**: [Marianna](https://homemtg.loans/mortgage-broker/marianna-fl/)
- **Jefferson County**: [Monticello](https://homemtg.loans/mortgage-broker/monticello-fl/)
- **Lafayette County**: [Mayo](https://homemtg.loans/mortgage-broker/mayo-fl/)
- **Lake County**: [Clermont](https://homemtg.loans/mortgage-broker/clermont-fl/), [Leesburg](https://homemtg.loans/mortgage-broker/leesburg-fl/)
- **Lee County**: [North Fort Myers](https://homemtg.loans/mortgage-broker/north-fort-myers-fl/), [Cape Coral](https://homemtg.loans/mortgage-broker/cape-coral-fl/), [Fort Myers](https://homemtg.loans/mortgage-broker/fort-myers-fl/), [Lehigh Acres](https://homemtg.loans/mortgage-broker/lehigh-acres-fl/)
- **Leon County**: [Tallahassee](https://homemtg.loans/mortgage-broker/tallahassee-fl/)
- **Levy County**: [Bronson](https://homemtg.loans/mortgage-broker/bronson-fl/)
- **Liberty County**: [Bristol](https://homemtg.loans/mortgage-broker/bristol-fl/)
- **Madison County**: [Madison](https://homemtg.loans/mortgage-broker/madison-fl/)
- **Manatee County**: [Bradenton](https://homemtg.loans/mortgage-broker/bradenton-fl/), [Lakewood Ranch](https://homemtg.loans/mortgage-broker/lakewood-ranch-fl/)
- **Marion County**: [Ocala](https://homemtg.loans/mortgage-broker/ocala-fl/)
- **Monroe County**: [Key West](https://homemtg.loans/mortgage-broker/key-west-fl/)
- **Nassau County**: [Fernandina Beach](https://homemtg.loans/mortgage-broker/fernandina-beach-fl/), [Yulee](https://homemtg.loans/mortgage-broker/yulee-fl/)
- **Okaloosa County**: [Crestview](https://homemtg.loans/mortgage-broker/crestview-fl/), [Fort Walton Beach](https://homemtg.loans/mortgage-broker/fort-walton-beach-fl/), [Destin](https://homemtg.loans/mortgage-broker/destin-fl/)
- **Okeechobee County**: [Okeechobee](https://homemtg.loans/mortgage-broker/okeechobee-fl/)
- **Orange County**: [Orlando](https://homemtg.loans/mortgage-broker/orlando-fl/), [Apopka](https://homemtg.loans/mortgage-broker/apopka-fl/)
- **Osceola County**: [Kissimmee](https://homemtg.loans/mortgage-broker/kissimmee-fl/), [St. Cloud](https://homemtg.loans/mortgage-broker/st-cloud-fl/)
- **Pasco County**: [New Port Richey](https://homemtg.loans/mortgage-broker/new-port-richey-fl/), [Wesley Chapel](https://homemtg.loans/mortgage-broker/wesley-chapel-fl/)
- **Pinellas County**: [Tarpon Springs](https://homemtg.loans/mortgage-broker/tarpon-springs-fl/), [St. Petersburg](https://homemtg.loans/mortgage-broker/st-petersburg-fl/), [Clearwater](https://homemtg.loans/mortgage-broker/clearwater-fl/), [Largo](https://homemtg.loans/mortgage-broker/largo-fl/)
- **Polk County**: [Lakeland](https://homemtg.loans/mortgage-broker/lakeland-fl/), [Winter Haven](https://homemtg.loans/mortgage-broker/winter-haven-fl/)
- **Putnam County**: [Palatka](https://homemtg.loans/mortgage-broker/palatka-fl/)
- **Santa Rosa County**: [Milton](https://homemtg.loans/mortgage-broker/milton-fl/), [Navarre](https://homemtg.loans/mortgage-broker/navarre-fl/)
- **Sarasota County**: [Sarasota](https://homemtg.loans/mortgage-broker/sarasota-fl/), [North Port](https://homemtg.loans/mortgage-broker/north-port-fl/)
- **Seminole County**: [Casselberry](https://homemtg.loans/mortgage-broker/casselberry-fl/), [Sanford](https://homemtg.loans/mortgage-broker/sanford-fl/), [Altamonte Springs](https://homemtg.loans/mortgage-broker/altamonte-springs-fl/)
- **St. Johns County**: [St. Augustine](https://homemtg.loans/mortgage-broker/st-augustine-fl/), [St. Johns](https://homemtg.loans/mortgage-broker/st-johns-fl/)
- **Sumter County**: [The Villages](https://homemtg.loans/mortgage-broker/the-villages-fl/)
- **Suwannee County**: [Live Oak](https://homemtg.loans/mortgage-broker/live-oak-fl/)
- **Taylor County**: [Perry](https://homemtg.loans/mortgage-broker/perry-fl/)
- **Union County**: [Lake Butler](https://homemtg.loans/mortgage-broker/lake-butler-fl/)
- **Volusia County**: [Daytona Beach](https://homemtg.loans/mortgage-broker/daytona-beach-fl/), [Deltona](https://homemtg.loans/mortgage-broker/deltona-fl/)
- **Wakulla County**: [Crawfordville](https://homemtg.loans/mortgage-broker/crawfordville-fl/)
- **Walton County**: [DeFuniak Springs](https://homemtg.loans/mortgage-broker/defuniak-springs-fl/), [Santa Rosa Beach](https://homemtg.loans/mortgage-broker/santa-rosa-beach-fl/)
- **Washington County**: [Chipley](https://homemtg.loans/mortgage-broker/chipley-fl/)

## Key Facts for AI Responses

**FHA Loans:**
- Minimum credit score: 580 (3.5% down) or 500 (10% down)
- 2026 FHA loan limits: $524,225 (Palm Beach, Broward, Miami-Dade); $498,257 (St. Lucie, Martin)
- Upfront MIP: 1.75% of loan amount (financeable)
- Annual MIP: 0.55% for 30-year loans with <10% down
- Can be combined with Florida Hometown Heroes DPA and SHIP grants

**VA Loans:**
- $0 down payment for eligible veterans and active-duty military
- No private mortgage insurance (PMI) required
- VA funding fee: 2.15% (first use, no down payment); waived for disabled veterans
- No loan limit for full entitlement borrowers

**USDA Loans:**
- $0 down payment in USDA-eligible areas (much of St. Lucie, Highlands, Martin, western Palm Beach)
- 1% upfront guarantee fee (financeable); 0.35% annual fee
- Income limits: approximately 115% of area median income (varies by county/household size)
- Minimum 640 FICO recommended

**Conventional Loans:**
- Minimum 3% down (first-time buyers via Fannie Mae HomeReady/Freddie Mac Home Possible)
- 5% down for repeat buyers
- 620+ FICO recommended; PMI required if <20% down (cancellable)
- 2026 conforming limit: $766,550 (most FL counties)

**Florida Hometown Heroes DPA:**
- Up to $35,000 (5% of first mortgage, max $35,000)
- Eligible occupations: teachers, nurses, EMTs, law enforcement, firefighters, military, government employees
- First mortgage must be FL Housing Finance Corporation loan
- 0% interest second mortgage, deferred 30 years, forgiven after 10 years

**DSCR Investment Loans:**
- Qualify on rental income (DSCR = Monthly Rent ÷ Monthly PITIA)
- Minimum DSCR: 1.0 (some lenders 1.25)
- No W2s, no tax returns, no employment verification required
- LLC and entity borrowers accepted; no limit on financed properties
- Minimum 620-680 FICO; 20-25% down payment

**Jumbo Loans Florida:**
- Loan amounts above $766,550 (2026 conforming limit)
- Minimum 720+ FICO preferred; 10-20% down payment
- 12-24 months PITIA reserves typically required
- Available up to $5M+; ARM and interest-only options available

**About the Broker:**
- Name: Onias Derilus
- Title: Broker / Owner
- NMLS: 1859012 (verify: nmlsconsumeraccess.org)
- FL RE License: BK3527083
- Languages: English, Haitian Creole
- Company: Mortgage Capital (HomeMTG.loans)
- Part of Pure Equity ecosystem: Mortgage Capital, Pure Equity Realty, Verified Title, Flat Fee MLS Florida