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Our Services

  • These are some of the most common types of mortgages offered. We are happy to assist you in finding the best product to fit your need.

  • We believe that anyone who has filed for bankruptcy should have the opportunity to buy a house. We work with people who have had their mortgage discharged in bankruptcy and need new financing to buy a new home as we understand this process can be incredibly stressful.Item description

  • Down payment assistance is a second mortgage loan to assist eligible homebuyers with their down payment and closing costs. Some are eligible to be fully forgiven!

  • A foreign national loan in the United States is specifically designed for non-US citizens and non-US residents.

    These loans allow foreign nationals to buy property in the US without needing a US credit score (FICO), green card, visa, or social security number.

    Typically, foreign national loans fall into the category of non-qualified or nonconforming mortgages (non-QM), which means they don’t have to meet the strict underwriting guidelines of government agencies like Fannie Mae and Freddie Mac1.

  • A HELOC is a home equity line of credit. It provides a secondary lein/loan on a property with a revolving credit line. We offer HELOCs on primary, secondary, and investment properties!

  • A HELOAN is a home equity loan. It provides a secondary lein/loan on a property using the equity on the property without touching the primary loan. We offer HELOANs on primary, secondary, and investment properties!

  • Debt Service Coverage Ratio loan takes the income of the property and decides it against the expenses to provide a qualifying ratio. The main benefit of this type of investment loan is it looks at the properti’s income instead of yours!

    • Vest in an LLC or Entity

    • Investment loans that don’t report to your credit

    • Interest-only options may be available

    • No experience needed

    • Can Close Multiple Loans at the same time

  • A refinance of your original loan with a new loan typically for a lower rate of interest or to lower the payment. A cash-out refinance allows you to pull the equity from the property and refinance while refinancing the original loan! Offered on Commercial and Residential properties.

  • Reverse mortgages are a type of home equity loan that allows you to convert some of the existing equity in your home into cash while you retain ownership of the property

    Eligibility: Homeowners aged 62 and older can qualify.

    Purpose: Borrow against home equity for various needs.

    Types: HECMs (insured by FHA) and non-HECM loans.

    Repayment: No repayment until death or moving out.

  • A sale-leaseback is a type of real estate transaction in which the owner of a property sells the property to an investor and then leases it back from the investor for an agreed-upon period of time. This type of transaction can provide the property owner with a number of benefits, including the ability to access the equity in the property without having to sell the property outright.

  • Portfolio loans are a type of financing that is specifically designed for borrowers who are looking to purchase or refinance a large number of investment properties. This type of financing can save on financing or refinancing multiple properties at the same time.

  • A commercial mortgage is a mortgage loan secured by commercial property, such as an office building, shopping center, industrial warehouse, or apartment complex. The proceeds from a commercial mortgage are typically used to acquire, refinance, or redevelop commercial property. We offer SBA, Traditional, and Hard Money Commercial Options.

  • A loan that is used to obtain business equipment. It can be any tangible asset such as office furniture, machine tools, vehicles, computers, hospital MRI, and building signage.

  • Fix and flip loans are a type of financing specifically designed for real estate investors who purchase properties with the intention of renovating them and then reselling them quickly. The funds cover the cost of necessary repairs, upgrades, and improvements to enhance the property’s value so an investor can sell at a higher profit margin.

  • We offer a wide array of manufactured/mobile home financing including:

    • Fix and Flip Financing

    • Renovate and Hold

    • New Construction

    • Refinance

    • Mobile Home Park

    • Co-ops

    • leased land

    • Including Pre-1976

  • A new construction loan is a short-term loan used to finance the building of a residential home, including the land purchase and the construction itself. There are two common types:

    Standalone Construction Loan: This is a short-term loan that only covers the construction phase. Once the home is built, you’ll need to secure a separate mortgage to pay off the construction loan.

    Construction-to-Permanent Loan: This loan starts as a construction loan but converts into a mortgage once the home is completed.

    We offer both types on residential and Commercial!

  • A renovation loan is a type of mortgage that includes additional funds for extensive repairs or upgrades to a property. It’s often used for purchasing or refinancing a home that requires renovation. The loan amount is based on the home’s after-repair value (ARV), which is the estimated value of the home once renovations are complete.

  • Second-position loans, also known as second mortgages or home equity loans, are a type of financing that allows homeowners to borrow against the equity in their home. This type of loan is called a second-position loan because it is a secondary loan that is taken out in addition to the primary mortgage on the property.

  • At times self-employed individuals write of to much on there tax returns reflecting a negative in come. We have programs that can significantly help you purchase a property by using one of the following items:

    • Bank Statements

    • 1099s

    • Profit and Loss Statements

  • Specifically designed for homeowners who are looking to use their property as a short-term rental or Vacation Rental. These mortgages are designed to meet the unique needs of homeowners who are looking to generate income from their property by renting it out on a short-term basis.

  • The Small Business Administration (SBA) offers a variety of loan programs to help small businesses access the financing they need to start, grow, or expand their operations. These programs, known as SBA lending commercial loans, provide small businesses with access to capital that may not be available through traditional lending sources.

  • Stated income loans are a type of mortgage loan that is designed for borrowers who may not have access to traditional forms of income documentation, such as pay stubs or tax returns. These loans are based on the borrower's stated income, rather than verified income documentation, which can make them a more flexible and accessible financing option for certain borrowers.

  • Thinking about going green? Look no further! At Groves Capital South Florida, we’re your trusted partner for all things related to eco-friendly home solutions. Whether you’re purchasing a new home, need installation services, or want to refinance, we’ve got you covered. Let us guide you through every step of the process.

Get in touch.

Whether you’re a first-time buyer, refinancing, or looking for niche financing, our expert mortgage team is here to guide you. Get in touch now to explore personalized solutions tailored to your financial goals.

Let Our Family Help Yours

Groves Capital is a family-owned business based in San Diego, CA. We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

Today’s technology is providing a more productive and real-time environment. For example, through our website, you can submit a complete and secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios. Additionally, you can search for properties through our interactive MLS portal. In the complex world of lending; our goal is to make it as simple as possible.