--- title: "EBG Mortgage: Innovative Financing | Residential & Commercial Loans" description: "EBG Mortgage: Innovative financing for homes & businesses. Fast approvals, and competitive rates. Florida's trusted broker." --- [Skip to content](https://ebgmortgage.com#main-content) - [English](https://ebgmortgage.com) - [Español](https://ebgmortgage.com/es/) English Show submenu for translations [![EBG Mortgage LOGO 2024 white bg long](https://ebgmortgage.com/hs-fs/hubfs/EBG%20Mortgage%20LOGO%202024%20white%20bg%20long.png?width=1805&height=625&name=EBG%20Mortgage%20LOGO%202024%20white%20bg%20long.png)](https://storage.googleapis.com/msgsndr/GXdDio6tEn7bva2gclVq/media/670035a0d973eb5ac0f66840.png) - [Services](https://ebgmortgage.com#products) - [Products](https://ebgmortgage.com#services) - [About](https://ebgmortgage.com#about) - Ph: (754) 444-7714 Open main navigation Close main navigation - [Services](https://ebgmortgage.com#products) - [Products](https://ebgmortgage.com#services) - [About](https://ebgmortgage.com#about) - Ph: (754) 444-7714 - - [English](https://ebgmortgage.com) - [Español](https://ebgmortgage.com/es/) English Show submenu for translations - [Contact us](https://ebgmortgage.com#contact) [Contact us](https://ebgmortgage.com#contact) # A SPECIALTY FINANCE COMPANY FINDING CREATIVE SOLUTIONS FOR RESIDENTIAL AND COMMERCIAL BORROWING NEEDS. Discover creative solutions for all your residential and commercial borrowing needs with EBG Mortgage, your trusted specialty finance partner. [Get started](https://ebgmortgage.com#contact) ## Simplify your mortgage loan process And enjoy world class service by hiring one of the best mortgage companies. Call or email today for details! ### Innovative Financing Solutions At EBG Mortgage, we specialize in crafting innovative financing solutions tailored to meet your unique residential and commercial borrowing needs. Our creative approach ensures that you receive the most effective financial strategies to support your goals. ### Expertise and Experience With a team of seasoned financial experts, EBG Mortgage brings a wealth of experience to the table. Our deep industry knowledge allows us to navigate complex financial landscapes, providing you with reliable guidance and support throughout the borrowing process. ### Personalized Customer Service We prioritize our clients by offering personalized customer service that goes above and beyond. At EBG Mortgage, we are committed to understanding your specific needs and delivering a seamless, supportive experience from start to finish. ### FOCUS ON SERVICE EBG Mortgage provides a unique and compelling value proposition to Realtors in the Florida region. Our philosophy is that of communication and efficiency governed by a fundamental understanding of Realtor’s urgent needs to quickly financially qualify buyers and close transactions smoothly. EBG’s vast product set which spans traditional products geared for “A” paper borrowers to foreign national programs to bank statement programs, maximizes a Realtor’s chance of a sale by providing a solution for almost any potential borrower at competitive pricing. EBG Mortgage serves modern home buyers in the Florida market in a sophisticated, professional, detail oriented, and technologically savvy manner ## Services Check out our Services offerings ![Gemini_Generated_Image_htd1ifhtd1ifhtd1](https://ebgmortgage.com/hs-fs/hubfs/Gemini_Generated_Image_htd1ifhtd1ifhtd1.jpeg?width=300&height=300&name=Gemini_Generated_Image_htd1ifhtd1ifhtd1.jpeg "Gemini_Generated_Image_htd1ifhtd1ifhtd1") ### Financing for Investors in Residential Real Estate If you are fixing and flipping homes, pulling money out of an investment property, or purchasing and holding an income-producing property, we can accommodate your needs. EBG’s team has a vast skill set and a history of structuring and arranging residential deals of all types. ## Financing for Investors in Commercial Real Estate EBG Commercial specializes in helping you fund your investments in multi-family developments, office, retail, mixed-use, hotel/motel, restaurants, churches, land, industrial, and special purpose. We can provide liquidity for short-term flips and long-term commercial financing. ![Gemini_Generated_Image_uj5af7uj5af7uj5a](https://ebgmortgage.com/hs-fs/hubfs/Gemini_Generated_Image_uj5af7uj5af7uj5a.jpeg?width=300&height=300&name=Gemini_Generated_Image_uj5af7uj5af7uj5a.jpeg "Gemini_Generated_Image_uj5af7uj5af7uj5a") ![Gemini_Generated_Image_5rvvj25rvvj25rvv](https://ebgmortgage.com/hs-fs/hubfs/Gemini_Generated_Image_5rvvj25rvvj25rvv.jpeg?width=300&height=300&name=Gemini_Generated_Image_5rvvj25rvvj25rvv.jpeg "Gemini_Generated_Image_5rvvj25rvvj25rvv") ### Financing for Investors in Other Hard Assets and Equipment Our team provides financing solutions for specialty assets such as airplanes, private and commercial marine vessels, and oilfield services equipment, including both onshore and offshore rigs. In addition, Range Commercial has deep experience and capabilities in capital solutions for esoteric assets such as tax credits and other receivable financings. [Contact us](https://ebgmortgage.com#contact) ## Our Products Check out our product offerings ## Traditional Products ![Gemini_Generated_Image_14hkj614hkj614hk](https://ebgmortgage.com/hs-fs/hubfs/Gemini_Generated_Image_14hkj614hkj614hk.jpeg?width=300&height=300&name=Gemini_Generated_Image_14hkj614hkj614hk.jpeg "Gemini_Generated_Image_14hkj614hkj614hk") ### Conventional Fannie Mae and Freddie Mac Loans • Down payment: 3% minimum • LTV: Up to 97% on purchases up to 85% on cash out refinance • Amortization: 30, 20, 15, 10 years • Type: Fixed and ARM available • Doc Type: Full doc • Max Loan Size: $484,350 single family (higher for 2 – 4 units) • FICO score: 620 and up with DU approval • Transaction types: Purchase , Refinance, Cash Out ### FHA Loans • Down payment: 3.5% minimum • LTV: Up to 96.5% on purchases and up to 85% on cash-out refinance • Amortization: 30, 20, 15 years • Type: Fixed and ARM available • Doc Type: Full doc • Max Loan Size: $314,827 single family (Pinellas County, FL higher for 2 – 4 units) • FICO score: 580 and up with DU approval, 500 and up with a minimum 10% down payment • Transaction types: Purchase, Refinance, Cash Out ![Gemini_Generated_Image_pw3wefpw3wefpw3w](https://ebgmortgage.com/hs-fs/hubfs/Gemini_Generated_Image_pw3wefpw3wefpw3w.jpeg?width=300&height=300&name=Gemini_Generated_Image_pw3wefpw3wefpw3w.jpeg "Gemini_Generated_Image_pw3wefpw3wefpw3w") ![Gemini_Generated_Image_ha7w63ha7w63ha7w](https://ebgmortgage.com/hs-fs/hubfs/Gemini_Generated_Image_ha7w63ha7w63ha7w.jpeg?width=300&height=300&name=Gemini_Generated_Image_ha7w63ha7w63ha7w.jpeg "Gemini_Generated_Image_ha7w63ha7w63ha7w") ### VA Loans • Down payment: 0.0% minimum • LTV: Up to 100% on purchases up to 90% on cash out refinance • Amortization: 30, 20, 15 years • Type: Fixed and ARM available • Doc Type: Full doc • Max Loan Size: $484,350 single family (higher for 2 – 4 units) • FICO score: No minimum • Transaction types: Purchase, Refinance, Cash Out [Contact us](https://ebgmortgage.com#contact) ## Non-Traditional Products ![Gemini_Generated_Image_ddnwvbddnwvbddnw](https://ebgmortgage.com/hs-fs/hubfs/Gemini_Generated_Image_ddnwvbddnwvbddnw.jpeg?width=300&height=300&name=Gemini_Generated_Image_ddnwvbddnwvbddnw.jpeg "Gemini_Generated_Image_ddnwvbddnwvbddnw") ### Jumbo Loans • Down payment: 5% minimum • LTV: Up to 95% on purchases and up to 75% on cash-out refinance • Amortization: 30, 20, 15, 10 years • Type: Fixed and ARM available • Doc Type: Full doc • Min Loan Size: $484,350 single family (higher for 2 – 4 units) • FICO score: 680 and up with DU approval • Transaction types: Purchase, Refinance, Cash Out ### Bank Statement Loans • Down payment: 10% minimum • LTV: Up to 90% on purchases and up to 60% on cash-out refinance • Amortization: 30, 20, 15 years • Type: Fixed and ARM available • Doc Type: Bank Statement 12 or 24 month • Max Loan Size: 2.5 million single family • FICO score: 620 • Transaction types: Purchase, Refinance, Cash Out ![Gemini_Generated_Image_fbi928fbi928fbi9](https://ebgmortgage.com/hs-fs/hubfs/Gemini_Generated_Image_fbi928fbi928fbi9.jpeg?width=300&height=300&name=Gemini_Generated_Image_fbi928fbi928fbi9.jpeg "Gemini_Generated_Image_fbi928fbi928fbi9") ![Gemini_Generated_Image_obf5pzobf5pzobf5](https://ebgmortgage.com/hs-fs/hubfs/Gemini_Generated_Image_obf5pzobf5pzobf5.jpeg?width=300&height=300&name=Gemini_Generated_Image_obf5pzobf5pzobf5.jpeg "Gemini_Generated_Image_obf5pzobf5pzobf5") ### Ultra Prime Extended Jumbo • Down payment: 20% minimum • LTV: Up to 80% on purchases and up to 60% on cash-out refinance • Amortization: 30 years • Type: Fixed and ARM available • Doc Type: Full doc (from home country) • Min Loan Size $:484,350 Max Loan Size: $726,000 single family • FICO score: 740+ • Transaction types: Purchase, Refinance, Cash Out • Program enables ultra prime borrowers to receive conventional pricing on Jumbo sized loans up to $726,000 [Contact us](https://ebgmortgage.com#contact) ## Non-Traditional Products (continued) ![Gemini_Generated_Image_zgb45qzgb45qzgb4](https://ebgmortgage.com/hs-fs/hubfs/Gemini_Generated_Image_zgb45qzgb45qzgb4.jpeg?width=300&height=300&name=Gemini_Generated_Image_zgb45qzgb45qzgb4.jpeg "Gemini_Generated_Image_zgb45qzgb45qzgb4") ### ITIN Loans • Down payment: 5% minimum • LTV: Up to 95% on purchases and up to 75% on cash-out refinance • Amortization: 30, 20, 15, 10 years • Type: Fixed and ARM available • Doc Type: Full doc • Min Loan Size: $484,350 single family (higher for 2 – 4 units) • FICO score: 680 and up with DU approval • Transaction types: Purchase, Refinance, Cash Out ### Foreign Nationals • Down payment: 20% minimum • LTV: Up to 80% on purchases and up to 60% on cash-out refinance • Amortization: 30 years • Type: Fixed and ARM available • Doc Type: Full doc (from home country) • Max Loan Size: $2.5 million single-family • FICO score: N/A • Transaction types: Purchase, Refinance, Cash Out ![Gemini_Generated_Image_nwdmfonwdmfonwdm (1)](https://ebgmortgage.com/hs-fs/hubfs/Gemini_Generated_Image_nwdmfonwdmfonwdm%20(1).jpeg?width=300&height=300&name=Gemini_Generated_Image_nwdmfonwdmfonwdm%20(1).jpeg "Gemini_Generated_Image_nwdmfonwdmfonwdm (1)") ![Gemini_Generated_Image_fj4krmfj4krmfj4k](https://ebgmortgage.com/hs-fs/hubfs/Gemini_Generated_Image_fj4krmfj4krmfj4k.jpeg?width=300&height=300&name=Gemini_Generated_Image_fj4krmfj4krmfj4k.jpeg "Gemini_Generated_Image_fj4krmfj4krmfj4k") ### DSCR (Debt Service Coverage Ratio) • Down payment: 20% minimum • LTV up to 80% on Purchase and Refinance Rate/Term and Cash Out • Amortization 30 years • Type: Fixed and ARM available • No income No taxes No employment verification No Debt to income • Loan amounts up to 2,000,000 • Transaction Types: Purchase, Refinance Rate/Term, and Refinance Cash-Out [Contact us](https://ebgmortgage.com#contact) ## Testimonials See what people are saying > Working with EBG Mortgage was a game-changer for my business. Their team went above and beyond to tailor a financing solution that perfectly fit my investment needs. The process was fast, seamless, and their expertise in the industry is unmatched. Highly recommend! > > ![Screenshot 2024-10-04 at 8.56.46 PM](https://ebgmortgage.com/hubfs/Screenshot%202024-10-04%20at%208.56.46%20PM.png) > > Tamara Protovin, Real Estate Investor > As a first-time homebuyer, I was overwhelmed by the mortgage process, but EBG Mortgage turned it into a stress-free experience. They provided creative solutions and guided me every step of the way, ensuring I got the best deal possible. I couldn't be happier with their service! > > ![Screenshot 2024-10-04 at 8.55.06 PM](https://ebgmortgage.com/hubfs/Screenshot%202024-10-04%20at%208.55.06%20PM.png) > > Francisco Visconti, First-time buyer > EBG Mortgage truly understands the unique needs of its clients. They offered us innovative financing options that other lenders couldn't match, helping my principals secure their dream properties. Their personalized approach and dedication to finding the best solutions are truly commendable. > > ![Screenshot 2024-10-04 at 8.58.17 PM](https://ebgmortgage.com/hubfs/Screenshot%202024-10-04%20at%208.58.17%20PM.png) > > Chaz Pence-Griffin, Real Estate Property Manager ## About Get to know us ![Our story](https://7528315.fs1.hubspotusercontent-na1.net/hub/7528315/hubfs/raw_assets/public/mV0_d-CmsIndustryAssets_hubspot/cms-industry-assets/img/banking-financial-services/company-one.jpg?width=500&height=300&name=company-one.jpg "Our story") ### Our Company EBG Mortgage is a leading specialty finance company dedicated to providing innovative and tailored borrowing solutions for both residential and commercial clients. Our expertise lies in crafting unique financial strategies that meet the diverse needs of our clientele, ensuring that each solution is as distinctive as the borrower it serves. We pride ourselves on our ability to navigate complex financial landscapes and deliver results that exceed expectations. EBG Mortgage stands out with its commitment to personalized service, offering a seamless and supportive experience from start to finish. Our team of seasoned professionals is passionate about empowering clients to achieve their financial goals through creative and flexible financing options. At EBG Mortgage, we believe in building long-term relationships based on trust, transparency, and success. ## Contact Us Reach Out for Innovative Lending Solutions Sign up to stay in the loop about the latest updates facebook-f icon linkedin-in icon Twitter icon instagram icon - [Services](https://ebgmortgage.com#products) - [Products](https://ebgmortgage.com#services) - [About](https://ebgmortgage.com#about) - Ph: (754) 444-7714 --- [![EBG Mortgage LOGO 2024 white bg long](https://ebgmortgage.com/hs-fs/hubfs/EBG%20Mortgage%20LOGO%202024%20white%20bg%20long.png?width=289&height=100&name=EBG%20Mortgage%20LOGO%202024%20white%20bg%20long.png "EBG Mortgage LOGO 2024 white bg long")](https://ebgmortgage.com/?hsLang=en) An Associate of RANGE MORTGAGE LLC - NMLS# 1750219 ![Equal Housing Opportunity](https://ebgmortgage.com/hs-fs/hubfs/Equal%20Housing%20Opportunity.png?width=106&height=100&name=Equal%20Housing%20Opportunity.png "Equal Housing Opportunity") Copyright © 2022,