Miami · Hollywood · South Florida
Your mortgage, handled by someone who's seen every side of the deal.
I'm Ingrid Ascanio — 20+ years in residential lending, former bank underwriter, and your advocate with 50+ lenders. One quick call and you'll know exactly where you stand.
Answers same-day · Weekends included · English y Español
How it works
Three steps. No mystery.
This is the whole route — and at every point you'll know exactly where your file stands.
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1
Talk to Ingrid
15 minutes on your goals and numbers. No documents needed yet — you leave knowing what's realistic.
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2
Get pre-approved
Documents in, numbers verified, a real letter in 24–48 hours — the kind listing agents take seriously.
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3
Close with confidence
She structures your file for the right lender and defends it to the closing table. Then: keys.
Loan options
Whatever shape your life is in, there's a program for it
Salaried, self-employed, investor, foreign national — the right question isn't “do I qualify?” It's “which of 50+ lenders fits my file?”
Conventional
The workhorse — 30-year, 15-year, and everything between
The standard route for buyers with steady income and fair-to-strong credit. Lower down payments than most people assume for qualified first-time buyers.
Explore →FHA
The first-time buyer's friend
Explore →VA
Zero down for those who served
Explore →Jumbo
For homes above the conforming limit
Explore →Investor / DSCR
Qualify on the property's rent, not your tax returns
Explore →Foreign National
U.S. property without U.S. credit history
Explore →Construction
Finance the build, then the home
Explore →
Questions, answered
Common questions
What does a mortgage broker do that a bank doesn't?
A bank can only offer its own products. As a broker, Ingrid shops your file across 50+ lenders — banks, credit unions, and wholesale lenders — and matches you to the one whose guidelines and pricing actually fit. You get options; she does the legwork.
How fast can I get pre-approved?
With documents in hand, typically 24–48 hours for a verified letter. On a deadline — an open house this weekend, an offer you want to write — tell her and she moves at that speed.
Do you help first-time buyers in Miami and Hollywood?
All the time. It starts with a plain-language conversation about what you can comfortably afford, then FHA and low-down-payment conventional options that get first-timers in the door.
Can you finance investment properties and foreign nationals?
Yes — both are core to her Miami practice. DSCR loans qualify a rental on its income, and foreign-national programs work without U.S. credit history. Neither needs tax returns the traditional way.
The next step
15 minutes with Ingrid beats a week of googling.
No obligation, no pressure. Tell her where you are — she'll tell you exactly what's possible and what happens next.