National averagesUS avgOct 21, 2026
Call Justin
The front of a modern white Florida home with a teak upper floor, wide glass and palm shadows across the driveway

Mortgage brokerFlorida

Justin Bobbitt

The bank said no.That’s where I start.

BanksCredit unionsSpecialty lenders

First homesSelf-employedInvestors

The broker

Justin Bobbitt, mortgage broker

I’m Justin. I work for you, not the lender.

A licensed mortgage broker in Florida, not a bank’s loan officer. I work with first-time buyers, self-employed borrowers and investors, and I explain every step in plain English, on the phone and on TikTok.

Shops
BanksCredit unionsSpecialty lenders
Works with
First homesSelf-employedInvestors
Licensed
Florida
Follow
A bright double-height living room with a curved cream sofa, a travertine fireplace and glass doors open to the pool

01

ConventionalFHADown payment help

Your first
set of keys

Buying your first home should feel exciting, not confusing. I walk you through what you qualify for, which programs fit, and what every number means before you sign anything.

Ask about first homes
Qualify on
IncomeCredit history
Help with
Down payment programs
Best for
First-time buyersMove-up buyers
Start with
A quick text
A sunlit kitchen with a travertine island and a courtyard garden beyond the glass

02

Bank statementAsset-based

Paid by
yourself

Business owners and 1099 earners often look smaller on a tax return than they really are. These loans qualify you on your bank deposits or your assets instead.

Ask about self-employed
Qualify on
Bank depositsAssets
Instead of
Tax returns
Best for
Owners1099 earnersCreators
Start with
12 or 24 months of statements
A long lap pool beside a modern white and teak home with palms along a garden wall

03

DSCR

Let the rent
qualify

For rental property, a DSCR loan looks at what the property earns, not at your personal income, so a growing portfolio is not held back by your pay stub.

Ask about investor loans
Qualify on
The property's rent
Instead of
Personal income
Best for
Long-term rentalsShort-term rentalsPortfolios
Start with
The address and the rent
A sunlit travertine bathroom with a freestanding stone tub, palm shadows on the wall and a walled garden outside

04

Credit rebuilding

A second
look

A rough patch does not have to end the conversation. Some lenders review files case by case. I will tell you honestly where you stand and what would help.

Ask for a second look
Reviewed by
Lenders who look case by case
Start with
An honest read of your file
Best for
Past late paymentsRecent life events
Costs you
Nothing to ask
A calm sunlit bedroom with linen curtains and palms outside

05

Rate and termCash-out

Refinance
the home you have

Lower the payment, shorten the term, or turn equity into cash for a renovation or to pay down debt. I compare what refinancing would actually save you against what it costs, and tell you if it is not worth it.

Ask about refinancing
Goals
Lower paymentShorter termCash out
Compares
Savings vs closing costs
Best for
HomeownersInvestors
Start with
Your current loan statement

Today’s market · national averages · Oct 21, 2026

7.30%

30-yr fixed−0.02

7.11%

FHA 30-yr−0.02

6.96%

VA 30-yrunchanged

6.57%

15-yr fixed+0.05

7.61%

Jumbo 30-yr+0.28

5.13%

10-yr Treasury+0.01

National averages of rates locked by lenders on the previous business day, and the 10-year Treasury yield. They are interest rates, not APRs; they could change and may not be available at commitment or closing, and they are not a quote, an offer or a rate from Justin Bobbitt or any lender. Your rate depends on your credit, loan amount, down payment, property and lender. Source: Optimal Blue Mortgage Market Indices and the 10-Year Treasury Constant Maturity Rate, retrieved from FRED, Federal Reserve Bank of St. Louis.

What would my payment be?

A quick estimate of principal and interest. Put in your own numbers, including a rate; the national averages above are a guide, not a quote.

Estimated principal and interestEnter a price

Start your application

An estimate only, not a quote or an offer of credit. It leaves out property taxes, homeowners and flood insurance, HOA and CDD dues, and mortgage insurance, and your rate depends on your credit, loan and lender.

Ready when you are.

Pick where you are. Your application opens on my secure portal, and I take it from there.

  • No impact on your credit until you say so: I ask before any credit check.
  • Your financial details go into the secure portal, never this website.
  • Not ready to apply? Text Justin and ask anything first.
  1. 01I’m buying a home
  2. 02I want to refinance
  3. 03I’m buying an investment property
  4. 04I’m not sure yet. Text Justin

How it works

Five steps from first text to keys.

  1. 01

    Apply

    One secure application on my portal. I ask before I pull your credit.

  2. 02

    Pre-approve

    I go through your income, assets and credit and give you a letter you can shop with.

  3. 03

    Shop

    I compare options from multiple banks, credit unions and specialty lenders, side by side.

  4. 04

    Lock

    Under contract and happy with an option, we lock your rate while the loan is finished.

  5. 05

    Close

    You sign, the loan funds, the keys are yours. One contact from the first text to closing day.

What you’ll usually need

  • A photo ID
  • Your last 30 days of pay stubs, or 12 to 24 months of bank statements if you are self-employed
  • Your last two years of W-2s or tax returns
  • Your last two months of bank and asset statements
  • Details of any other homes, loans or debts

Already have a quote from your bank?

Text me a photo of it. I will shop it against my lenders and tell you honestly if I can do better. No application, and it does not touch your credit.

Text Justin your quote

Questions

What people ask me first.

What is the difference between a broker and a bank?

A bank can only offer its own loans. As a broker I take your file to multiple banks, credit unions and specialty lenders and bring back the options that fit.

Can I buy a home if I am self-employed?

Often, yes. Bank statement and asset-based loans are built for people whose tax returns do not show what they really earn.

My credit is not perfect. Is it still worth asking?

Yes. Some programs and lenders look past a rough patch. I will tell you where you stand and what would help.

Do I need a big down payment?

Not always. Some loan programs need less, and down payment assistance can help if you qualify. I will show you what applies to you.

Are the rates on this page what I will get?

No. They are national averages, shown so you can see where the market is. Your rate depends on your credit, loan amount, down payment, property and lender.

Will texting you affect my credit?

No. A conversation does not touch your credit. When you apply, I ask your permission before any credit check.

Start with a text to Justin

Let’s get you the keys.

Text Justin

Asking does not touch your credit. The application happens on my secure portal. Text me first and I will send you the link.

This form is only for getting in touch. Please do not include your Social Security number, income or account details.

By sending, you agree Justin may call or text you about your inquiry at the number you gave. Consent is not a condition of any loan. Message and data rates may apply; reply STOP to opt out.