Home loan options for Florida buyers, homeowners and investors.
Buying, refinancing, tapping equity, self-employed or investing: learn how each loan type works, then talk to Ruben about which options are available for you today.
Speaks English and Russian (Русский)Where are you starting?
Answer a few quick questions to see programs that may fit. No contact details needed.
Building or renovating? Start hereThe information here is educational only. It is not an offer, approval or commitment to lend. Eligibility is subject to underwriting review of your application and the property. Not every program is offered by every lender or in every state. Each program has property and occupancy requirements, and terms and guidelines can change. This site does not quote rates or fees. Down payment, rate, points and loan amount limits depend on the program, the lender and your situation. Ask your loan officer for details.
Start with your situation
Buying a home
Conventional, FHA, VA and USDA loans, first-time buyer options, down payment assistance programs and the first steps to buying.
Explore buyingRefinancing and equity
Change your rate or term, take cash out, or borrow against your equity with a HELOC or second mortgage.
Explore refinancingSelf-employed
Some lenders qualify self-employed borrowers with bank statements, a profit and loss statement, 1099s or assets in place of tax returns.
Explore self-employed loansInvesting
DSCR loans, where lenders look mainly at the property's rent, plus condo, interest-only and fix-and-flip financing for investors.
Explore investor loansConventional, government, renovation, equity and Non-QM loans.
Conventional
Government
Renovation
Refinance & equity
First-time buyers
Self-employed
Credit & residency
Investor
Specialty
Licensed across Florida.
Local guides
- Miami-Dade CountyCounty seat · Miami
- Broward CountyCounty seat · Fort Lauderdale
- Palm Beach CountyCounty seat · West Palm Beach
- Hillsborough CountyCounty seat · Tampa
View More Counties
Ruben Akopyan
Mortgage Loan Originator · NMLS #1972825 · Pioneer Mortgage Funding, Inc. · Speaks English and Russian (Русский)
Verify Ruben Akopyan on NMLS Consumer AccessRuben Akopyan is a Mortgage Loan Originator with Pioneer Mortgage Funding, Inc., licensed in Florida (NMLS #1972825), working from the Pioneer branch in Tampa.
He helps homebuyers, homeowners and real estate investors with conventional, government and Non-QM financing, in English and Russian.
Do not send documents or Social Security, ITIN or account numbers through this website, by text or by email. Your loan officer can explain the secure way to share documents.
Not sure which loan fits? Let's talk it through.
Send your scenario and Ruben will follow up with the options available to you today.
Do not send documents or Social Security, ITIN or account numbers through this website, by text or by email. Your loan officer can explain the secure way to share documents.
The information here is educational only. It is not an offer, approval or commitment to lend. Eligibility is subject to underwriting review of your application and the property. Not every program is offered by every lender or in every state. Each program has property and occupancy requirements, and terms and guidelines can change. This site does not quote rates or fees. Down payment, rate, points and loan amount limits depend on the program, the lender and your situation. Ask your loan officer for details.