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Residential, Commercial, and Business Loans
Frustrated with high mortgage rates? Discover superior solutions for residential, commercial, and business loans with Southeast Funding Group
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I strive to offer my customers reasonable loan cost, the best terms, and the lowest interest rates available in the entire market.
Lazaro Sosa
President | MLO
NMLS 1177535
Direct: 305.281.2245
E-Mail: lazaro@southeastfg.com
To be the Florida most customer-centric mortgage company, where customers can find a loan that fits their needs with the best terms and rates.
Lazaro Sosa
President | MLO
NMLS 1177535
Direct: 305.281.2245
E-Mail: lazaro@southeastfg.com
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Our Loan Process
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Written VOE Only Loan Program
The Written VOE Only Loan Program simplifies mortgage approval by allowing borrowers to qualify with just a written verification of employment, making it ideal for those with non-traditional income.
Learn MoreW-2 only Loan Program
The W-2 Only Loan Program simplifies mortgage approval by allowing borrowers to qualify with just their W-2 forms, making it ideal for salaried employees and hourly workers.
Learn MoreOne-year tax return Loan Program
The One-Year Tax Return Loan Program allows borrowers to qualify for a mortgage using only one year of tax returns, making it ideal for self-employed individuals or those with fluctuating income.
Learn MoreAsset Depletion Loan Program
The Asset Depletion Loan Program allows borrowers to qualify for a mortgage based on their liquid assets rather than traditional income, making it ideal for retirees or those with significant savings.
Learn More1099 Only Mortgage
The 1099 Only Mortgage is ideal for self-employed individuals, offering simplified qualifications and reduced documentation based on 1099 income.
Learn MoreOne-Year and Two-Year P&L Loan
One-Year and Two-Year P&L loans allow self-employed borrowers to qualify for a mortgage based on one or two years of profit and loss statements.
Learn MoreITIN Number Loans
ITIN loans provide mortgage options for borrowers without a Social Security Number, using an Individual Taxpayer Identification Number (ITIN) to qualify.
Learn MoreFranchise Acquisition Loan
A Franchise Acquisition Loan provides entrepreneurs with the necessary funding to purchase or expand a franchise, offering tailored financing options with competitive rates and extended repayment terms.
Learn MoreSBA 504 Loan
The SBA 504 Loan offers long-term, fixed-rate financing for small businesses to purchase or improve major assets like real estate or equipment.
Learn MoreSBA 7(a) Loan
The SBA 7(a) Loan provides small businesses with versatile financing options for working capital, equipment, or real estate, backed by the Small Business Administration.
Learn MoreBusiness Working Capital Loan
Business Working Capital Loans offer flexible financing to cover essential operational expenses, ensuring smooth business operations during financial fluctuations.
Learn MoreBusiness Line of Credit Loan
A Business Line of Credit offers flexible, revolving funding that businesses can draw on as needed for various operational expenses.
Learn MoreBusiness Expansion Loan
Business Expansion loans provide funding to help businesses grow, whether through opening new locations, hiring staff, or increasing production capacity.
Learn MoreBusiness Equipment & Inventory Loan
Business Equipment & Inventory loans offer financing to purchase essential equipment or inventory, supporting business operations and growth.
Learn MoreBusiness Debt Consolidation Loan
Business Debt Consolidation loans combine multiple business debts into a single loan with more manageable terms and lower interest rates.
Learn MoreBusiness Acquisitions & Partner Buyouts Loan
Business Debt Consolidation loans combine multiple business debts into a single loan with more manageable terms and lower interest rates.
Learn MoreRental Portfolio Loan
Rental portfolio mortgages allow investors to finance multiple rental properties under a single loan, simplifying management and potentially improving financing terms.
Learn MoreForeign Nationals DSCR Loans
The DSCR loan allows Foreign National borrowers to qualify based on rental income without personal income verification.
Learn MoreForeign National Loans
The Foreign National Mortgage provides non-U.S. citizens with access to U.S. real estate investments, offering flexible documentation and competitive terms.
Learn MoreDSCR Loan
DSCR loans are investment property mortgages based on the Debt Service Coverage Ratio, focusing on the property's income rather than the borrower's personal income.
Learn MoreFixed Rate Second Mortgage with 12-month bank statements
A Fixed Rate Second Mortgage using 12-month bank statements offers a flexible way for non-traditional borrowers to access funds, providing predictable monthly payments and the ability to maintain their existing first mortgage.
Learn MoreFixed Rate Second Mortgage
A Fixed Rate Second Mortgage provides homeowners with a lump sum of money secured by their home's equity, offering predictable monthly payments and no changes to the existing first mortgage. It's an excellent option for financing long-term projects or managing large expenses.
Learn MoreHELOC with Bank Statements
A HELOC using 12-month bank statements is designed for borrowers who have non-traditional income sources. It offers a flexible and accessible way to leverage your home's equity, especially for self-employed individuals who may find it challenging to qualify through conventional methods.
Learn More12-Month Bank Statement Commercial Mortgage
The 12-Month Bank Statement Commercial Mortgage is ideal for owner-occupied businesses, offering flexible income verification through bank statements.
Learn MoreNo Doc Commercial Loan
No doc commercial mortgages offer financing with minimal documentation, focusing on the property's value and income potential rather than the borrower's financials.
Learn MoreMultifamily Small Balance
Multifamily small balance Fannie Mae and Freddie Mac mortgages provide financing for smaller multifamily properties, offering streamlined processes and competitive terms.
Learn MoreCommercial Lot/Land Loans
Commercial Lot/Land Loans provide flexible financing options for purchasing undeveloped commercial land, with both full and limited income documentation available to meet diverse borrower needs.
Learn MoreAgriculture Lot/Land Loans
Agriculture Lot/Land Loans provide flexible financing options for purchasing undeveloped land for agricultural use, offering both full and limited income documentation options to meet diverse borrower needs.
Learn MoreForeign Nationals DSCR Loans
The DSCR loan allows Foreign National borrowers to qualify based on rental income without personal income verification.
Learn MoreSuper Jumbo Loans
Super jumbo loans are specialized mortgages designed for financing extremely high-value properties, with loan amounts typically ranging up to $36 million.
Learn MoreCommercial Bridge Loan
Bridge loans provide short-term financing to bridge the gap between buying a new property and selling an existing one.
Learn MoreResidential Lot-Land Loan
Residential Lot/Land Loans offer flexible financing for purchasing undeveloped land with full or limited income documentation options.
Learn MoreHELOC loans
A HELOC is a flexible line of credit secured by your home's equity, allowing you to borrow funds as needed at competitive rates. It's an ideal financing option for homeowners looking to manage large expenses like home improvements or debt consolidation.
Learn MoreJumbo Loans
Jumbo loans are mortgages that exceed the conforming loan limits set by Fannie Mae and Freddie Mac, typically used for financing high-value properties.
Learn MoreForeign National Loans
The Foreign National Mortgage provides non-U.S. citizens with access to U.S. real estate investments, offering flexible documentation and competitive terms.
Learn MoreFreddie Mac Refi Possible Mortgage
Refi Possible mortgages provide easier refinancing options for low-to-moderate income homeowners, helping them secure lower interest rates and reduce monthly payments.
Learn MoreRetail NNN Build to Suit Construction Financing
Retail NNN Build-to-Suit construction financing provides customized funding for developing retail properties with long-term triple net leases in place.
Learn MoreUSDA Standard
Standard Mortgage (also referred to as the USDA Single Family Guaranteed Loan Program) provides eligible low- and moderate-income borrowers with the opportunity for affordable homeownership, or home refinance up to 100% financing.
Learn MoreVA Refinancing Loan
VA refinancing loans offer veterans the opportunity to refinance their existing mortgage with favorable terms, often lowering interest rates or accessing home equity.
Learn MoreSpec Construction Loan
Spec construction loans provide financing for builders to construct homes without a specific buyer, with repayment typically due upon sale of the property.
Learn MoreVA Standard
Fully Amortizing Fixed Loan program can help the nation’s men and women in uniform, as well as qualifying Veterans. Up to 100% financing.
Learn MoreFHA – DPA Advantage
DPA Advantage is designed to provide down payment assistance in the form of a grant equal to 2% or 3.5% of the home price on an eligible FHA purchase.
Learn MoreVA Construction Loans
VA Construction loans enable eligible veterans to finance the construction of a new home with the benefits of a VA mortgage, including no down payment.
Learn MoreFix and Flip Loan
Fix and Flip Loans offer real estate investors fast, flexible financing to purchase, renovate, and sell properties for profit. These short-term loans are based on the property's potential value after repairs, making them an ideal choice for quick-turnaround projects.
Learn MoreVA Loans for Rehab/Renovation Financing
VA Rehab loans allow veterans to finance both the purchase and renovation of a home under a single VA-backed mortgage.
Learn MoreUSDA Refinancing Loan
USDA Refinancing Loans offer a valuable opportunity for homeowners in rural areas to lower their mortgage costs and improve their financial situation.
Learn MoreFHA 203(b) Standard
Sometimes referred to as the “standard” FHA loan, is a mortgage loan that is insured by the Federal Housing Administration (FHA). Low-down payment of 3.5%.
Learn MoreUSDA Construction Loans
USDA construction loans provide financing for eligible borrowers in rural areas to build a new home with no down payment required.
Learn MoreUSDA Loans for Rehab/Renovation
USDA rehab loans allow borrowers in eligible rural areas to finance both the purchase and renovation of a home under a single mortgage.
Learn MoreFHA Loans for Rehab/Renovation Financing
FHA rehab loans, also known as 203(k) loans, allow borrowers to finance both the purchase and renovation of a property under a single mortgage.
Learn MoreFeatured News And Insights
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