Realize Your Dream of Home Ownership
Welcome to Home Financial Group LLC NMLS# 305389 — your Florida home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.
Home Financial Group at a Glance
20+
Years Serving Florida
Founded in 2002, trusted through the 2008 crisis and beyond
67
Florida Counties Served
Licensed statewide with deep South Florida roots
5/5
Star Rating
82+ verified Google reviews from real clients
30+
Countries Served
Specializing in foreign national mortgages since 2002
6
Self-Employed Programs
Bank statement, P&L, asset depletion, DSCR, no-ratio, and more
3
Languages Spoken
English, Spanish, and Portuguese — fully bilingual service
Popular Florida Home Loans
Which loan is right for YOU?
Find the right mortgage for your needs.
Self-Employed Mortgage Programs
Self-Employed? Business Owner? We Have Options.
Denied by a big bank? Your income is real — your mortgage should reflect that. Home Financial Group specializes in borrowers with strong credit and assets but non-traditional income documentation.
Bank Statement Loans
Use 12 or 24 months of bank statements instead of tax returns to qualify.
Learn MoreP&L Only Loans
Qualify with a CPA-prepared profit and loss statement -- no tax returns required.
Learn MoreAsset Depletion Loans
Convert your liquid assets into qualifying income for mortgage approval.
Learn MoreDSCR Investor Loans
Qualify based on rental property income -- no personal income verification needed.
Learn MoreMortgage Calculators
What's your monthly payment? How much home can you afford? Find out in seconds.
Payment Calculator
Full PITI breakdown with amortization
Affordability
How much home can you afford?
Refinance
Should you refinance? Find out.
Debt Consolidation
Consolidate debt into your mortgage
Buy vs Rent
Compare long-term wealth impact
Loan Comparison
FHA vs Conv vs VA side-by-side
DSCR Investor
Investment property cash flow
Qualifier
Which programs do you qualify for?
Cost of Waiting
See the cost of delaying
Amortization
Full schedule + extra payments
Mortgage Calculator
Estimate your monthly mortgage payment
Estimated Monthly Payment
$2,022.62
Principal & Interest only
This calculator provides estimates for informational purposes only. Actual payments may vary based on taxes, insurance, PMI, and other factors. Contact us for a personalized quote.
This Week's
Florida Mortgage Rates
Weekly average rates for the most popular loan programs, updated every Thursday.
FHA
30-Year Fixed
5.595%
Conventional
30-Year Fixed
6.220%
VA
30-Year Fixed
5.345%
Last updated: 2026-03-22 | Source: Market estimates
View All Rates & DetailsRates shown are for informational purposes only and are subject to change without notice. Actual rates may vary based on credit score, loan amount, down payment, and other factors. Contact us for a personalized quote.
HFG Video Library
Latest Videos
Watch our educational mortgage videos to learn about the home buying process.
Instant Home Valuation
Curious what your home is worth? Fill out the form below and we'll provide you with a free home valuation report.
A Home Financial Group loan officer will follow up with your personalized valuation within 24 hours.
Why Choose Home Financial Group
Helping first-time homebuyers to seasoned investors for over 20 years.
Trusted Since 2002
Established in 2002 and weathered the 2008 crisis, we have decades of experience and proven resilience in Florida mortgage lending.
Hands-On Approach
We combine a personable, hands-on approach with the latest technology for efficient and friendly service throughout your loan process.
Local Florida Expertise
As a dedicated South Florida lender, we understand the local market and offer personalized guidance for your specific situation.
Customers for Life
We pursue high rates of customer loyalty through unmatched service, honesty, integrity, and results-driven principles.
5-Star Reviews
Real Customer Experiences
See what our clients have to say about working with Home Financial Group.
Local Expertise Statewide
Serving All of Florida
Licensed in all 67 Florida counties with deep roots in South Florida. Visit our local pages for city-specific mortgage information.
Miami
Miami-Dade County -- Brickell, Coral Gables, Coconut Grove, and more.
View ProgramsFort Lauderdale
Broward County -- Las Olas, Victoria Park, Wilton Manors, and more.
View ProgramsWest Palm Beach
Palm Beach County -- Downtown WPB, Palm Beach Gardens, Jupiter, and more.
View ProgramsOakland Park
Home of HFG headquarters -- visit us at 4303 NE 1st Terrace.
View ProgramsInternational Lending
Foreign National Mortgage Center
Helping international buyers purchase property in Florida since 2002. No U.S. credit history or Social Security number required.
30+ Countries
We serve buyers from Latin America, Europe, Canada, and beyond
No SSN Required
Purchase with a valid passport and foreign income documentation
ITIN Loans Available
Special programs for ITIN holders with competitive rates
Free Resources
Homebuyer Guides
In-depth guides to help you navigate the Florida mortgage process with confidence.
Florida First-Time Home Buyer Guide
Everything you need to know about buying your first home in Florida.
Read GuideSelf-Employed Mortgage Guide
How business owners and 1099 contractors can qualify for a mortgage.
Read GuideDown Payment Assistance Programs
Florida programs that help cover your down payment and closing costs.
Read GuideFrom Our Blog
Latest Articles
March 10, 2026
Welcome to Our New Website
Home Financial Group is excited to announce the launch of our brand-new website, designed to better serve Florida homebuyers and homeowners.
Read MoreMarch 6, 2026
Water Softeners: Pros and Cons for Your Home
If you’ve ever noticed white spots on your dishes, soap that doesn’t lather well, or dry skin after a shower, you might be dealing with hard water. Hard water contains high levels of minerals like calcium and magnesium, which can cause a variety of household issues. One common solution is […]
Read MoreFebruary 27, 2026
Get Your Home Ready Before the Heat Hits
As winter fades and the days start warming up, it’s easy to put off home maintenance. But tackling a few key tasks before the temperatures soar can save you money, prevent breakdowns, and make your home more comfortable all summer long. A little preparation now means fewer emergencies later — […]
Read MoreMeet Our Team
Your local Florida area mortgage professionals, ready to guide you every step of the way.
Medardo F. Cevallos
President -- MLO
NMLS# 305965
(954) 663-3619
View Profile
Medardo A. Cevallos
Vice President - MLO
NMLS# 1453486
(954) 801-4670
View Profile
Florencia Sanclemente
Mortgage Loan Originator
NMLS# 339230
(954) 668-4726
View Profile
Yesenia Maldonado
Sr. Loan Processor & MLO
NMLS# 1375862
(954) 370-4849 Ext. 103
View Profile
Syed Ahmad
Mortgage Loan Originator
NMLS# 357366
(954) 804-2963
View Profile
Samantha Gary
Loan Processor
(954) 370-4849
View ProfileFrequently Asked Questions
Home Financial Group offers FHA, VA, Conventional, Jumbo, USDA, Fixed-Rate, Adjustable-Rate (ARM), Reverse, 203k Renovation, Foreign National, and Refinance mortgage loans throughout Florida. For self-employed borrowers, HFG also offers bank statement loans, P&L only loans, asset depletion loans, DSCR investor loans, and no-ratio loans. NMLS# 305389.
Mortgage rates change daily. Visit our Mortgage Rates page for today’s rates on Conventional, FHA, VA, and Jumbo loans, updated daily from market sources.
Down payment requirements vary by loan type: FHA loans require as little as 3.5%, VA and USDA loans offer 0% down, and Conventional loans start at 3-5% down. Home Financial Group can help you find the best option for your situation.
Yes, Home Financial Group is licensed to serve all 67 counties in Florida. Our office is located in Oakland Park, FL (Broward County), but we help homebuyers and homeowners throughout the entire state.
You can apply online at homefinancialgroup.net/apply-now, call us at (954) 370-4849, or visit our office at 4303 NE 1st Terrace, Unit 1, Oakland Park, FL 33334. Our experienced loan officers will guide you through every step.
Yes. Home Financial Group has a fully bilingual team that provides mortgage services in English, Spanish, and Portuguese. The entire loan process — from application to closing — can be conducted in your preferred language. This makes HFG one of the few South Florida lenders offering true bilingual mortgage service.
Yes. Home Financial Group has specialized in foreign national mortgages since 2002, helping buyers from over 30 countries purchase Florida real estate. No Social Security number is required, ITIN loans are available, and various visa types are accepted including B1/B2, H1B, L1, and E2. Contact specialist Medardo F. Cevallos at (954) 370-4849.
Home Financial Group offers 6 alternative documentation programs for self-employed borrowers: bank statement loans (12-24 months), P&L only loans (CPA letter), asset depletion loans, DSCR investment property loans, no-ratio loans, and traditional self-employed documentation. These programs do not require tax returns.
Ready to Get Started?
Whether you are buying your first home, refinancing, or investing in property, Home Financial Group is here to help. Contact us today to discuss your mortgage options.