All of Florida
From your first home to your next build.
Home loans for first-time buyers, investors, builders and developers. One originator who shops 290+ lenders and answers his own phone. English y español.
What are you working on?
Tap one. About 20 seconds, no credit pull.
Where are you in the process?
"Just looking" is a fine answer.
Tell me about the deal.
This decides whether we go DSCR, bridge, Non‑QM or conventional.
What's the project?
Every stage needs a different loan. Pick the closest.
What's the money for?
Different goals, very different products.
Where's the property?
Home loans in Florida. Investor and project loans in select states nationwide.
Last step. Where do I reach you?
I text back personally. Usually same day, always within 24 hours.
Got it. I'll be in touch.
I read every one of these myself. Expect a text or call within 24 hours. Want to skip the wait?
Rather talk? Book a call · Text me · Call
- 290+lenders shopped for you
- 24hmax wait for a reply, from me
- EN/ESnative Spanish
Licensed MLO, NMLS #2674789 · Verify on NMLS ↗
First-time home buyers
Buying your first home? Start here.
Most first-time buyers never hear about the help they could get. I'll walk you through it step by step, in English or Spanish.
¿Tu primera casa? Te explico todo en español. Ver la guía en español →
Loan programs
Every way to finance real estate.
Pick what you're working on. I'll match it to the right program across 290+ lenders and tell you straight if it doesn't work.
Home buyers
Your first home is your first investment.
Most buyers never hear about the help they qualify for. I check every program and pair it with the right loan.
- DPA programs all over Florida
- Free homebuyer class and webinar
- Not ready? A 6-month credit and savings plan
Real estate investors
Your first rental, then the next one.
Qualify on the property, close in your LLC and keep buying. Out of state is still my business.
- Investor loans in select states nationwide
- Close in your LLC
- A same-day read on your deal
Builders & developers
Land, construction and the exit.
I arrange financing across NEXA's lender network for every stage, from the lot to the take-out loan, and I help your buyers qualify.
- Sources and uses reviewed before you apply
- Construction, bridge and permanent in one plan
- Financing for your buyers, with DPA where it fits
Homeowners & sellers
Don't just sell. Ask if you should keep it.
Your equity can fund the next down payment, a renovation or your first rental, without giving up the low rate you already have.
- Four HELOC programs
- Keep your current home as a rental
- Buy before you sell
Program availability depends on the property, the state and lender guidelines. All loans are subject to credit approval, underwriting and appraisal. Not a commitment to lend.
Meet Michael
A lender who picks up the phone.
I'm Michael Theut, a mortgage loan originator with NEXA Mortgage, serving all of Florida, including Tampa, Orlando and Miami. I grew up in Puerto Rico, so Spanish is my first language. I help first-time buyers get into their first home, and I help owners, investors and builders take the next step.
I teach the mortgage session at Tampa Bay NHS homebuyer classes and co-host a free homebuyer webinar every Tuesday. The goal is simple: you understand every step before you sign anything.
Michael Theut
My promise to every client
What you can count on.
Buying a home or funding a deal is a big decision. Here's how I work, every time.
Real scenarios
The files other lenders pass on.
A few situations from files I've worked on. Names and details are left out for privacy.
The problem: the appraisal said the building couldn't be rebuilt, which could kill the loan.
What I did: sent the appraiser the city's own code section until the comment was corrected.
The problem: no US credit or income, and a plan for several properties.
What I did: mapped a multi-property plan with DSCR financing that qualifies on the rent.
The problem: not sure how much cash the deal really needed.
What I did: put SBA 7(a) and 504 side by side so the owner could compare the cash to close.
The problem: two HELOC programs said no on a rental.
What I did: found a DSCR cash-out path with a lender that takes the property.
Illustrations of how files were structured, not a promise of any result. Every loan is subject to credit approval, underwriting and appraisal.
How it works
Three steps. No runaround.
Nothing costs you anything to find out where you stand.
Four taps above. No credit pull, no application, no obligation.
Within 24 hours. We talk through what's realistic. If I'm not the right fit, I'll say so.
Your scenario shopped across 290+ lenders, side by side, so you can compare.
Free tools & guides
Run your numbers first.
No sign-up and no credit pull. Use these before you talk to anybody, including me.
Straight answers
Questions people are too polite to ask.
I'm a first-time buyer. Where do I start?
Start with a free DPA check and a pre-approval conversation. I'll look at the down payment assistance programs you may qualify for, pair them with the right loan, and tell you what to work on if you're not ready yet. You can also join the free homebuyer webinar on Tuesdays at 7pm.
Why use a broker instead of my own bank?
Your bank has one rulebook. If your file doesn't fit it, the answer is no. As a NEXA broker I shop the same file across 290+ lenders with different guidelines and pricing. That matters most when you're self-employed, investing, building, or anything about your file isn't textbook.
Do you finance builders and developers?
Yes. I arrange land, construction, bridge and permanent financing through NEXA's lender network, from a single spec home to multifamily and commercial projects. Send me the project and I'll tell you which programs fit and what the lender will need to see.
Can I get a HELOC without refinancing my mortgage?
Yes. A HELOC is a line of credit that sits behind your current mortgage, so your first mortgage and its rate stay in place. You draw what you need and pay on what you use. I work with four HELOC programs. See Florida HELOC options →
What's a DSCR loan, in plain English?
An investor loan that qualifies on the property's rent instead of your personal income. No tax returns, no W2s. If the rent covers the payment at the ratio the lender wants, the deal can work. It's how many investors keep buying after conventional limits stop them.
Another lender already denied me. Is it worth trying again?
Often, yes. A denial is one lender applying one set of guidelines. Send it over and I'll tell you straight whether there's a path. If there isn't one yet, I'll tell you what needs to change.
Does the form pull my credit or commit me to anything?
Neither. It just tells me what I'm looking at before we talk. No credit pull, no application, no obligation, and I never sell your information.
¿Hablas español?
Sí. Soy de Puerto Rico, así que el español es mi primer idioma. Servicio completo desde la pre-aprobación hasta el cierre, en el idioma que prefieras.
Tell me about your next move.
A home, a rental, a flip or a ground-up project. Twenty seconds, and you'll hear from me, not an assistant.