Yes, we're always on the lookout for exceptional, honest, and transparent individuals to join our team: Licensed Mortgage Loan Originators in Florida Business Loan Brokers (Nationwide) Commercial Real Estate Loan Brokers (Nationwide) Advertising/Marketing Sales Representatives (Nationwide) Government Bidders If you're interested in any of these opportunities, please email your resume HERE for a confidential interview.

Absolutely! Through our business funding division, fundu, we proudly provide funding solutions for business owners with a minimum middle credit score of 500. To explore this program and other available options, please contact us via email at info@pineyrogroupofcompanies.com

Yes, indeed. The majority of our real estate investment loans entail no income verification. At present, we originate investment loans through our Pineyro Private Capital division, providing flexible options tailored to your investment needs.

Certainly! Our Digital Out-of-Home (DOOH) division, ILUM LLC, specializes in digital LED mobile billboard advertising trucks. With a network spanning over 100 trucks, each equipped with three vibrant LED screens, our mobile billboards play images and videos with sound, offering extensive coverage tailored to your desired areas and demographics. For more information, please visit ILUM LLC or email us HERE

Regrettably, we're unable to assist with that request. Our services are limited to providing owner-occupied home loans within the State of Florida through Pineyro Capital Group Inc., under NMLS 420112, with Maria A. Pineyro as the principal broker. To learn more, email HERE However, if you require real estate investment funding, we're here to help. Through Pineyro Private Capital, we offer real estate investors nationwide the funding they need. They can be contacted HERE

Absolutely! We provide several no-money-down loan options in Florida. To determine which program you qualify for, please email Pineyro Capital Group Inc. NMLS 420112 HERE One of our experienced licensed Mortgage Loan Originators will promptly assist you with a free, no-cost, no-obligation scenario analysis.

Congratulations on your decision to buy a home in Florida! The process for buying a home in Florida generally involves the following steps: 1. Determine your budget: Before starting the home buying process, it's essential to know how much you can afford. This can be done by getting pre-approved for a mortgage, which will give you a clear understanding of your budget and help you narrow down your search. 2. Find a real estate agent: Working with a knowledgeable and experienced real estate agent can make the process of finding and buying a home much smoother. Your real estate agent can help you find properties that meet your criteria, negotiate offers, and guide you through the entire process. 3. Search for a home: Once you've determined your budget and found a real estate agent, it's time to start looking for the perfect home. Your agent can provide you with listings that match your preferences and schedule showings for properties you're interested in. 4. Make an offer and negotiate: When you find a home you love, your real estate agent will help you make an offer. This is the point where having a mortgage loan originator like Pineyro Capital Group Inc NMLS# 420112 can be crucial, as we can help you secure the financing you need to make a strong offer. 5. Secure financing: Once your offer is accepted, it's time to secure financing for your new home. Pineyro Capital Group Inc NMLS# 420112 can provide you with a range of mortgage options tailored to your unique financial situation, so you can choose the one that best fits your needs. 6. Close on the home: After securing financing, the final step is to close on the home. This involves signing all the necessary paperwork, paying closing costs, and officially taking ownership of the property. At Pineyro Capital Group Inc NMLS# 420112, we here to guide you through the mortgage financing aspect of your home buying journey, ensuring that you have the support and expert advice you need to make the process as smooth and stress-free as possible.

Closing costs in Florida can vary depending on factors such as the loan amount, the type of loan, and the location of the property. At Pineyro Capital Group Inc NMLS# 420112, we understand that transparency is key, and we work diligently to provide our clients with a detailed breakdown of all closing costs. These costs typically include lender fees, appraisal fees, title insurance, escrow fees, and prepaid items such as property taxes and homeowner's insurance. By working closely with our clients and utilizing our expertise in the Florida market, we strive to ensure that our clients have a clear understanding of their closing costs and are well-prepared for this important stage in the home buying process.

Property tax rates in Florida can vary depending on the county and city in which the property is located. The state of Florida has a homestead exemption which can lower the taxable value of a property by up to $50,000 for eligible homeowners. In addition, Florida does not have a state income tax, making property taxes a primary source of funding for local governments. It's important to consult with a trusted Mortgage Loan Originator like Pineyro Capital Group Inc NMLS# 420112 for guidance on understanding and factoring property tax rates into your home buying decision. Their team can provide personalized, expert advice based on your specific location and financial situation.

When applying for a mortgage loan with Pineyro Capital Group Inc NMLS# 420112 in the state of Florida, it's important to understand the homestead exemption rights. Florida's homestead exemption provides property tax relief by reducing the taxable value of a homeowner's primary residence. To be eligible for the homestead exemption, you must be a Florida resident, the property must be your primary residence, and you must apply for the exemption with the local property appraiser's office. Additionally, there are certain restrictions and requirements for the homestead exemption, such as the deadline for filing and limitations on the amount of property tax that can be exempted. Understanding Florida's homestead exemption rights can impact your overall financial planning and mortgage eligibility. When working with Pineyro Capital Group Inc NMLS# 420112, our team can provide guidance and support to ensure that you have a comprehensive understanding of how the homestead exemption may affect your mortgage loan application.

Yes, Pineyro Capital Group NMLS# 420112 offers loan options in Florida that don't require traditional income verification. These options are designed for self-employed individuals, gig workers, and others whose income may not be easily documented through traditional means. Our alternative documentation programs allow borrowers to qualify for a mortgage based on their asset and bank statements, rather than W-2 forms or tax returns. This provides flexibility for those with non-traditional income streams and can make homeownership a reality for individuals who may not qualify for a conventional loan. Our team is committed to finding the right mortgage solution for each client's unique financial situation. We understand that everyone's financial circumstances are different, and we strive to provide options that cater to a wide range of borrowers. Contact us today to learn more about our loan programs and how we can help you achieve your homeownership goals.