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(813) 928-9610

CLICK TO CALL TODAY:
(813) 928-9610

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OUR STORY

WE SPECIALIZE IN UNCONVENTIONAL LENDING PROGRAMS. WE WORK WITH UNIQUE LOAN SCENARIOS EVERY DAY, AND WE PRIDE OURSELVES ON OFFERING THE TYPES OF PROGRAMS YOU NEED.

Welcome to your resource for non-traditional mortgage financing. We founded this site to help demystify the world of unconventional loans. In today’s changing economic landscape, traditional mortgage financing is failing to meet the needs of today’s consumers, with rigid rules and a distinct lack of reliable information available on the web.  

Unconventional loans are legitimate alternative financing options designed to assist homebuyers with unique circumstances.

Looking for a particular program?  Or are you simply curious about the types of loans that might meet your needs?

Use our Unconventional Loan Finder to quickly discover the types of options, and then if you want to learn more, then select the Program description to learn more. Each loan program gives you the loan program information, as well as a video designed to quickly get you up to speed.

WHEN YOU'RE READY TO GET STARTED:

» GIVE US A CALL: Discuss your scenario with qualified Mortgage Loan Originator experienced with  Unconventional loans.  We can quickly assess your needs and answer all of your questions.

»  DROP US A LINE: Drop us a line and we’ll get with you.

»  START YOUR APPLICATION: Use the Apply Button to get started.

Regardless of which loan program you choose, we believe in structuring a personalized lending solution just for you, backed with over two decades of experience, and delivered with unparalleled customer service from start to finish.

Thanks for dropping by and we look forward to serving you!

Yours in successful homeownership,

Headshot image of Derek Bissen


Derek A Bissen

Loan Originator

NMLS# 365627

Unconventional Lending Program Director

GOT DOWN PAYMENT?

We are an Authorized Participating Lender in the Florida Hometown Heroes Program. Affordable Financing for First-Time Homebuyers with Down Payment Assistance for employees of Florida Businesses, Veterans, and other heroes in our communities.

LEARN MORE »

GOT DOWN PAYMENT?

We are an Authorized Participating Lender in the Florida Hometown Heroes Program. Affordable Financing for First-Time Homebuyers with Down Payment Assistance for employees of Florida Businesses, Veterans, and other heroes in our communities.

LEARN MORE »

SELF-EMPLOYED?

WE'VE GOT YOU COVERED.

The majority of our clients are Small Business Owners.  We have the loan programs you need and the experience of working with business owners just like you.

BUSINESS OWNERS--NEED CASH OUT?

PRODUCT SPOTLIGHT:  BANK STATEMENT SECOND MORTGAGE

LEARN MORE »

Get the cash you need while keeping your low interest rate first mortgage intact.

 

  • Bank Statement Income (NO TAX RETURNS REQUIRED)
  • Fixed Rate/ Fixed Payment / Stability
  • Choice of terms: 10, 15, 20, or 30 Year
  • Single lump sum payout
  • No prepayment penalty

 

INVESTORS!

We have the programs you need to complete your next project.

FIX & FLIP

LOAN QUOTE »

9+ UNIT PROPERTY

LOAN QUOTE »

Our DSCR investor Cash-Flow Program allows investors to qualify for investment homes using the rental income from the property. No tax returns required. Long-term rental income & short-term rental income (AirBNB / VRBO, etc.) accepted. LEARN MORE »

USE OUR DSCR

CALCULATOR »

Use our ASSET-BASED LENDING programs to consider your liquid wealth portfolio as the income for your new loan, without sacrificing your investment or banking relationships.

LEARN MORE ABOUT ASSET-BASED LENDING »

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Do you have

SUBSTANTIAL LIQUID WEALTH,

but show

LITTLE INCOME on your

TAX RETURNS?

UNCONVENTIONAL LENDING with FIDELITY FUNDING MORTGAGE CORP.

A Division of American Bancshares Mortgage

NMLS# 217378

759 SR 580  Suite 114,
Clearwater, FL  33761

Hours of Operation:

Mon - Fri: 9am-7pm EST

* in-person consultation by appointmentSat- Sun : Via Phone

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BEING DIFFERENT IS A

GOOD THING.

We live in a world of COLOR, not black & white. If a bank or credit union has denied your loan, it may be a limitation on their part, not yours.

Like you, we're different. Yes, we have a wide selection of loan programs, but just as importantly, we have the EXPERIENCE working with unique circumstances.

CONDOMINIUM

FINANCING

Condominiums are popular. We offer a wide variety of programs to finance Condominiums of all sorts, including standard Condos, Non-Warrantable Condominiums, and even Condotels.

CANNABIS HOME

LOAN FINANCING

Employees and business owners in the Cannabis industry have unique lending needs. We offer 4 programs to cover Business owners, contractors and employees in the Cannabis Industry.

LEARN MORE »

VA HOME LOAN FINANCING

Serving Veterans is in our DNA.  We are a Veteran-led business. The VA Home loan benefit may be the easiest VA benefit you'll ever use, and we work hard to ensure our Veterans receive a lending experience that is top-notch.