Licensed in Florida · Investor Loans Nationwide

Built different.
Close different.

From the trades to the closing table — I bring the same work ethic to every loan I originate. DSCR. Non-QM. FHA. Conventional. Hard money exits. Bilingual. English & Español.

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NEXA Lending
Equal Housing
Lender
NMLS
#2674789
290+
Lenders we shop
DSCR
Investor loans
EN/ES
Bilingual service
NEXA
Top FL broker

Let's get you moving.

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No spam. No hard sell. Just a real conversation.

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Access to 290+ lenders. One originator who answers.
No junk fees
Bilingual EN/ES
Complex deals welcome
Fast close
Loan Programs

Whatever the deal —
I have the product.

From first home to fifth investment property. I shop 290+ lenders through NEXA to find the best rate and terms for your situation. QM loans available in Florida. DSCR and investor products available nationwide.

🏡
Conventional
30 & 15-year fixed. Best rates for qualifying borrowers with strong credit and documented income.
Purchase · Refi
🏛️
FHA
As low as 3.5% down. Flexible credit. Perfect for first-time buyers across Polk County and Orlando.
First-Time Buyers
🎖️
VA
Zero down for eligible veterans. No PMI. One of the strongest loan products available if you qualify.
Veterans
🏘️
DSCR
No income docs. Qualify on the property's cash flow. Built for real estate investors. Qualify on the property's cash flow — no income docs required. Available nationwide. Fast close.
Investors · Nationwide
💼
Flexible Income Options
Gig worker, self-employed, 1099, foreign national, or recent credit event? We have programs for borrowers who don't fit the traditional box — bank statements, asset depletion, P&L only, ITIN, and more.
Non-QM & Alternative Income
🏗️
Jumbo
Loan amounts above conventional limits. Competitive rates for high-value Florida properties.
High Value
💳
HELOC
Tap your home equity to renovate, invest, or consolidate. Offers in minutes, funds in as little as 5 days. Powered by Figure. Not approved? Contact me — I have more options.
Apply for HELOC →Not approved? Contact me
Home Equity
🏗️
New Construction
Building from the ground up? We offer construction-to-permanent loans that convert to your long-term mortgage at completion. Lock your rate early and simplify the process.
Purchase · Florida
🎁
Down Payment Assistance
Up to $100,000 in down payment assistance available. Helping first-time and qualifying buyers get into a home with little to nothing out of pocket. Ask me what you qualify for.
DPA · Up to $100K
🔁
Hard Money Exit
Stuck in a hard money loan with high rates? I'll get you into a permanent product.
Investors · Refi
Why Michael

Built homes.
Now I fund them.

Before I ever touched a loan file, I was building — custom bathrooms, full remodels, and homes from the ground up. I know what it means to do high-quality work, hold yourself to a standard, and actually show up. That's what I bring to every deal.

Built from the trades up. I ran a remodeling company doing high-end custom builds — bathrooms, full renovations, and new home construction. I understand what your project is worth and I take every loan just as seriously.
Complex deals welcome. DSCR, Non-QM, bank statement, investor loans nationwide — I specialize in the loans other originators pass on.
Bilingual service. Full service in English and Spanish from pre-approval to closing. Serving Florida's Spanish-speaking community with the same level of care.
290+ lenders. As a NEXA broker I shop your loan across hundreds of lenders to find the best rate — not just the one bank I work for.
Michael Theut — Mortgage Loan Originator
Michael Theut
Mortgage Loan Originator · NMLS #2674789

"I built custom bathrooms, full remodels, and homes from the ground up. I know what quality work looks like. That same standard goes into every loan I close."

Florida Licensed NEXA Lending Bilingual EN/ES Investor Specialist Non-QM @michaeltheut
Today's Rates

Current loan rates

Updated daily. Your actual rate depends on credit, loan size, and property type. Contact me for a personalized quote.

30-Year Fixed
6.875%
APR 6.94%
15-Year Fixed
6.125%
APR 6.21%
FHA 30-Year
6.625%
APR 7.12%
VA 30-Year
6.375%
APR 6.45%
DSCR
7.375%
Investor · No income docs
Jumbo
7.125%
APR 7.19%
Non-QM
7.625%
Self-employed
5/1 ARM
6.500%
APR 6.58%

Rates are for illustrative purposes and subject to change. Actual rate based on credit profile, LTV, and loan type. Not a commitment to lend. Equal Housing Lender.

What people are saying

Real results.
Real clients.

Follow along on Instagram to see closed deals, market updates, client wins, and everything in between — in English and Spanish.

Follow @michaeltheut

Closed loans, market breakdowns, investor education, and behind-the-scenes content — straight from the originator who actually shows up. En español también.

EN/ES
Bilingual content
Daily
Posted regularly
DMs open
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See client wins, closed deals & real talk

Ready to move forward?

First home, investment property, or complex refi — let's have a real conversation. No runaround.

📋 Get Pre-Approved → 💳 HELOC — Funds in 5 Days📅 Book a Consultation