Why PFS Realty · Financing

Your loan and your purchase, run by one team.

Financing a property in another state means a lender, a title company, an HOA and a seller all moving on different clocks. Our lending team works next to the agents closing your purchase, so the appraisal, the condo paperwork and the closing date are handled by people who talk to each other every day.

Waterfront residential towers in Sunny Isles Beach, Miami

In-housemortgage lending

Financing options

Loans built around how you'll use the property

A rental you'll never live in, a second home, a pre-construction unit that delivers in 2028: each one is financed differently. We look at the property, how you plan to use it and your paperwork, then lay out the loan options that fit, side by side.

What we finance

Pre-construction, resale and rentals

Our lending team works directly with the banks and lenders active in South Florida.

Our process

From the first document to closing day

Five steps. You always know which one you're on.

01

Your plan

What you're buying, how you'll use it and how much you want to put down.

02

Your options

The loan programs that fit, with rates and terms as the lender quotes them that day.

03

Application

We build your file and submit it to the lender.

04

Underwriting

We track the approval, coordinate the appraisal and answer the lender's questions so they don't land on you.

05

Closing

We coordinate the funds and the signing with the title company and the purchase side: same team, same calendar.

The rest of the job

The loan is one of four things we handle

Financing works best when it's run by the people closing the purchase, placing the insurance and managing the property afterward. Here, that's one team.

Financial advisor reviewing loan options with investors
Miami
Questions first

Ask about financing before you pick a property.

Tell us what you're looking at and how you plan to use it. An advisor will text you back with the financing routes that apply and what each one needs from you. Financing is subject to lender approval.