Capabilities
Every program on the shelf. One originator accountable for all of it.
Coast 2 Coast Mortgage's full wholesale platform, structured by James J Tyrrell III — $500M+ closed since 2002. If a loan exists in the Florida market, it's on this list, and he has probably closed a hundred of them.
01 Self-Employed Bank statement, 1099 and P&L loans — qualified on real cash flow, not the tax return your CPA optimized. → 02 DSCR Investment financing underwritten on the property's rent. Close in an LLC; no tax returns. → 03 Condo Loans Warrantable and non-warrantable South Florida condo financing from someone fluent in Fannie and Freddie project rules. → 04 Non-QM Asset depletion, ITIN, foreign national, recent credit events — outside the box, done by the book. → 05 First-Time Buyer FHA, 3%-down conventional, VA — plus Florida Hometown Heroes assistance where it applies. → 06 Private Money Asset-based speed for flips, bridges and ten-day closings — for investors and funds. → 07 Conventional The essentials, shopped across wholesale lenders and executed without surprises. → 08 FHA 3.5% down and flexible credit — the most forgiving path to a yes, run without judgment. → 09 VA Zero down, no monthly MI, for the people who earned it. Funding-fee details handled properly. → 10 Jumbo Seven-figure lending for waterfront and luxury Broward — structured, documented, closed with discretion. → 11 Construction Construction-to-permanent builds and FHA 203(k) renovation lending — one loan, one closing. → 12 Reverse Home equity for 62+, explained like an adult — including when the answer is no. → 13 HELOC Tap your equity without giving up the low rate on your first mortgage. → 14 Refinance Rate, term, or equity access — modeled against a real breakeven before anything moves. →
Not sure which door is yours? That's normal — programs overlap, and the cheapest fit isn't always the obvious one. Five minutes on the phone with James beats an hour of tab-hopping: (954) 695-5801, or start a pre-approval — no SSN, no credit pull.