Our Loan
Programs
We are experts in Residential & Commercial Lending, specializing in Portfolio Loans.
We provide a wide range of Conventional, Jumbo, and Portfolio Residential & Commercial mortgage programs for borrowers with unique needs that standard big banks often struggle to approve.
We also serve clients seeking a lender to pre-approve unique properties that may not conform to typical mortgage requirements.
My Loan Desk is your one-stop shop for all your mortgage needs. We specialize in helping home buyers who struggle to get pre-approved under typical lending standards.
Residential & Specialist Programs
Conventional Loans
Conventional loans are one of the most popular financing options for purchasing or refinancing a home. Unlike FHA, VA, or USDA loans, conventional mortgages are not insured or guaranteed by a government agency and can provide flexible financing for qualified borrowers.
Jumbo Loans
Exceptional homes deserve exceptional financing. Our Jumbo Loan programs are designed for luxury homes, high-value properties, and discerning borrowers who expect personalized, white-glove service from start to finish.
FHA Loans
FHA loans are a great option for borrowers that do not have a lot of cash on hand for a down payment and may need some flexibility in qualification guidelines.
FHA Alternative Docs
Not every qualified borrower's income fits neatly into a standard FHA documentation review. These alternative options finance up to 96.5% of the purchase price using VOE or P&L verification.
2/1 Buydown Mortgage
Buying a home is exciting—but the first couple of years can also bring new expenses like moving costs, furniture, home improvements, and growing family needs.
Bank Statement Loans for Self-Employed Borrowers
Qualify Using Your Bank Statements Instead of Tax Returns
Traditional mortgage programs often rely on tax returns to determine income. For many self-employed borrowers, business deductions can significantly reduce taxable income, making it difficult to qualify for a conventional loan.
Hybrid Loans
Combine the upfront stability of a fixed-rate mortgage with the initial savings opportunities of an adjustable-rate mortgage (ARM) using a fixed-period hybrid loan.
VA Loans
VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veterans Affairs (VA) to eligible veterans for the purchase of a home, protecting the lender against loss if payments fall behind.
Private Bridge Loans
Fast, Flexible Financing for Residential and Commercial Moves
Private bridge loans provide short-term financing when traditional mortgages are too slow, helping you bridge the gap between transactions.
Bridge to Sale Loans
Buy your next home before selling your current one.
A Bridge to Sale loan gives you access to your home's equity, allowing you to purchase your next property without waiting for your current home to sell.
International Buyers Section
Buying property in the United States is easier than you may think. Whether you're purchasing a vacation home, investment property, or planning a future move.
ITIN Home Loans
If you file your U.S. taxes using an Individual Taxpayer Identification Number (ITIN), you may still qualify for a mortgage.
Dream Home Builder (EEP)
A Smarter Path from Renting to Homeownership
Not quite ready for a traditional mortgage? The Dream Home Builder Earned Equity Program (EEP) provides qualified buyers with an alternative path toward owning a home.
Medical Professional Loan Program
SPECIALIZED MORTGAGE SOLUTIONS FOR MEDICAL PROFESSIONALS
You've invested years building your career. Your mortgage should recognize that. Our Medical Professional Loan Program offers specialized financing designed around the unique financial needs of healthcare professionals...
Rehab, Refinances & Home Equity Lines
FHA 203(k) Rehab Loans
FHA's 203(k) program provides an affordable, stable single-loan solution combining the property purchase or refinance alongside the direct calculated costs of required structural upgrades.
Refinance Options
Lock in structural savings, consolidate high-interest debt, get cash out for renovations, or accelerate your wealth roadmap by paying off your mortgage sooner.
FHA Streamline Refinance
If you hold a current FHA mortgage in good standing, an FHA Streamline Refinance represents a highly efficient path to lowering interest rates and payment obligations.
Home Equity Solutions
Unlock the Value in Your Home Without Selling It
Whether you need ongoing access to funds or a one-time lump sum, MyLoanDesk offers competitive home equity financing designed around your goals.
Reverse Mortgage Programs
HomeSafe Second (HELOC Alternative)
Access Your Equity Without Replacing Your First Mortgage
HomeSafe Second is a second-lien reverse mortgage designed for eligible homeowners who want to access their home equity while keeping their existing first mortgage in place.
Reverse Mortgage Refinance
Convert Your Home Equity Into Cash
A Reverse Mortgage Refinance allows you to replace your existing mortgage with a reverse mortgage. Any remaining equity can then be accessed as tax free proceeds, giving you additional financial flexibility while eliminating your required monthly mortgage payment.
Reverse Mortgage for Purchase
Buy Your Next Home With No Required Monthly Mortgage Payment
A reverse mortgage isn't just for homeowners—it can also help you purchase your next primary residence.
Is a Reverse Mortgage Right for You?
Every homeowner's situation is unique. That's why we take the time to understand your goals and explain every available option before you make a decision. Whether you're interested in refinancing your current home or purchasing your next one...
Real Estate Investment Loans
DSCR Investment Property Loans
Grow Your Real Estate Portfolio Without Personal Income Verification
A Debt Service Coverage Ratio (DSCR) Loan is designed specifically for real estate investors. Instead of qualifying based on your personal income, employment, or tax returns...
Fix & Flip Loans
Fast, Flexible Financing for Real Estate Investors
Whether you're renovating your first investment property or managing multiple projects each year, a Fix & Flip Loan provides the financing you need to purchase, renovate, and resell...
Construction Loans
Finance Your Dream Home or Next Development Project
Whether you're building a custom home, developing a residential community, or constructing investment properties, MyLoanDesk offers flexible Ground-Up Construction Loans...
Commercial Financing Solutions
Commercial Real Estate Loans
Financing Solutions for Businesses, Investors & Developers
Whether you're purchasing, refinancing, constructing, or expanding commercial real estate, MyLoanDesk provides access to a broad network of commercial lenders.
Equipment Financing
Finance the Equipment Your Business Needs to Grow
Whether you're purchasing new equipment, replacing outdated machinery, or expanding your operations, MyLoanDesk offers flexible equipment financing solutions...
Business Lines of Credit
Secure quick access to floating working capital reserves smoothly.
Maintaining strategic liquidity shields operations from unexpected overhead pressures. Deploy flexible programmatic revolving funds only when specific allocation needs present...
Working Capital
Customized liquid solutions tailored to enterprise growth metrics.
Empower seasonal purchase capacity or capitalize on high-volume inventory procurement windows via tailored working capital structures...
Franchise Financing Solutions
Comprehensive capitalization matrices built for single and multi-unit expansions.
Accelerate standard store timelines or update equipment models across multi-unit frameworks with custom franchise lending setups...
Commercial Loans
We structure institutional-level options spanning standard asset classes: Multifamily, Mixed-Use, Warehouse/Industrial footprints, Office properties, and Retail strip centers.
SBA and Business Loans
SBA Business Loans
Affordable Financing to Help Your Business Grow
Whether you're starting a new business, expanding operations, purchasing equipment, or acquiring an existing company, SBA loans offer flexible financing backed by the U.S. Small Business Administration with loan amounts up to $5M.
International & Custom Footprints
Property Financing in Portugal
Residential, Commercial and Construction Loans
Whether you are buying a home, investing in commercial real estate, or developing a new project, we help qualified borrowers explore financing options through our network of lenders in Portugal.
* Rates and programs are illustrations subject to change without notice. These calculations do not constitute an official Loan Estimate or a binding commitment to lend. Qualification is subject to verification of financial assets and credit data profiles.
MyLoanDesk.com is an independent lending entity and is not affiliated with the HUD, FHA, VA, USDA, or any federal agency. We strictly uphold Equal Housing Opportunity lending baselines.
Secured Horizon Mortgage Group, Inc. NMLS 314226, 1444825 (www.nmlsconsumeraccess.org) | (305) 891-6500 | 1801 NE 123 St, Suite 314, North Miami, FL 33181.