Coast2Coast Mortgage Lending
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If it exists in wholesale lending,
Carl can quote it.

Sixteen programs, one advisor. The point is not the length of the list — it is that your scenario gets matched to the right item on it and priced across lenders, instead of squeezed into whatever one bank happens to sell.

Get Pre-Approved Call or Text (321) 229-8084
Where the work concentrates

The six flagships.

These are the programs West Orlando actually runs on — and the ones Carl is asked for by name.

01 Physician / Doctor Loans Low or zero down without PMI, student-loan-friendly DTI, and approval on an employment contract before your first shift. 02 Jumbo Loans Above the conforming limit, where lender-to-lender pricing spreads widest and comparison pays most. 03 First-Time Buyer & Down Payment Assistance From 3% down to Florida's Hometown Heroes — and hospitality or healthcare income documented so it counts. 04 DSCR / Investor Loans Qualify on the property's rent instead of your tax returns. LLC-friendly, purchase or cash-out. 05 Self-Employed & Bank Statement Bank statement, 1099 and P&L programs for owners whose write-offs bury their qualifying income. 06 Renovation / FHA 203(k) Loans Roll repairs into the mortgage — the structure that has already rescued a deal a bad appraisal nearly killed.
Everything else he originates

The other ten.

Each with its own page, because a program worth offering is worth explaining properly.

07 Non-QM & ITIN Loans For strong borrowers who fail a standard checklist: recent credit events, asset depletion, ITIN, foreign national. 08 Conventional Loans The benchmark: 3% down available, mortgage insurance that actually cancels, and the widest lender competition. 09 FHA Loans 3.5% down with the most forgiving credit standards in mainstream lending — and an honest word about the insurance. 10 VA Loans Zero down, no monthly mortgage insurance. If you served, this is almost always the best loan available. 11 USDA Loans Zero down in eligible areas, often beating FHA on monthly cost. More of the metro qualifies than you would guess. 12 Construction Loans Land, staged draws through the build, then conversion to a permanent mortgage. Carl has built one himself. 13 Manufactured Home Loans Real mortgage financing on owned land, at the handful of desks that will actually lend on these. 14 Reverse Mortgage For homeowners 62+, explained straight — including the obligations, the heirs question, and when to say no. 15 HELOC & Second Mortgages Reach your equity without giving up a low first mortgage. Usually cheaper than a cash-out refinance. 16 Refinance Rate-and-term, cash out, or drop mortgage insurance — with the breakeven math run honestly.

Not sure which fits? That is normal — most real scenarios touch two or three of these. Describe your situation in your own words and Carl will tell you which door to knock on.

Get started

Let's see what you qualify for.

Describe your situation in plain English — Carl will tell you which of the sixteen actually fits, and which lender prices it best.

  • No SSN and no credit pull at this stage
  • Carl calls or texts you back personally — usually same day
  • 14 states licensed · NMLS #1945717

Prefer to talk first? (321) 229-8084

Ready for the full application?

If you already know what you want and would rather get straight into it, you can start the formal application now instead of waiting for Carl to call.

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