Pioneer Mortgage Funding · Florida Non-QM Broker

Home loans for borrowers the banks turn away.

Specialized Non-QM lending across Florida, bank statement loans for the self-employed, financing for foreign nationals, and investment-property loans for real estate investors. When traditional underwriting says no, we find the path to yes.

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16+Years lending
50+Lender partners
6Specialty programs
FLStatewide service
100+ ★5-star Google reviews
Our Specialties

Non-QM lending, done right

We focus on the loans most lenders find too complicated and we've built deep expertise in exactly these four areas.

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Bank Statement Loans

Self-employed in Florida? Qualify using 12–24 months of bank deposits instead of tax returns. Ideal for business owners, freelancers, and 1099 earners whose write-offs hide their true income.

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Foreign National Loans

Financing for non-U.S. citizens investing in Florida real estate — no Social Security number or U.S. credit history required. Purchase a home or investment property with a clear, broker-guided process.

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Real Estate Investor Loans

DSCR and investor-focused programs that qualify on the property's cash flow, not your personal income. Build and scale your Florida rental portfolio without conventional limits.

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Non-QM Programs

Asset-depletion, full-doc alternatives, and flexible underwriting for borrowers who don't fit a conventional box. Complex income, recent credit events, or unique situations — we structure around them.

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Jumbo Loans

Financing above conventional loan limits for Florida's higher-value homes and luxury properties. Competitive terms and structures tailored to strong-credit borrowers buying in premium markets.

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New Construction Condo Financing

One of Florida's most specialized niches — financing for newly built and pre-construction condominiums, including non-warrantable projects most lenders won't touch. We know how to get these deals approved.

Why borrowers across Florida choose us

Most mortgage brokers chase easy conventional loans. We've spent more than sixteen years mastering the programs that actually help self-employed professionals, foreign investors, and real estate entrepreneurs get financed. Working through Pioneer Mortgage Funding and a network of over 50 lender partners, we shop your file to the right lender — not just the one bank that happens to say yes. You deal directly with Ronald from the first conversation through closing: no call centers, no being passed around.

Mortgage Calculator

See your numbers instantly

Adjust the sliders to estimate your monthly principal & interest. Then apply or upload your documents to get a real quote.

Estimated Monthly P&I
$2,335
Loan Amount$360,000
Down Payment$90,000
Total Interest$480,583
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Insights & Guides

Mortgage knowledge, simplified

Practical advice to help you make confident decisions about your home financing.

Investor Loans

DSCR Loans: Qualify on the Property, Not Your Paycheck

How investors use rental income — not tax returns — to qualify and scale a portfolio.

Read more →
Niche Lending

Condo Hotel Loans: Financing One of the Trickiest Properties

Most banks won't touch condotels. Here's how these loans actually get done.

Read more →
Foreign National

Foreign National Loans: How We Make It Simple

No U.S. credit or residency required — own Florida real estate from anywhere.

Read more →
Ronald Cepeda, Mortgage Loan Officer
★★★★★100+ 5-Star Reviews
What Clients Say

Trusted across Florida

Real words from real clients — homebuyers, investors, and agents who got to the closing table with Ronald.

★★★★★

"I've been working with Ronald for over 10 years — he's an absolute professional and guarantees that all of my buyers are handled with the utmost care and attention. Now, he helped usher me into homeownership. No better lender in the state of Florida!"

— Henley Johnson
★★★★★

"I can't say enough about how great Ronald was throughout the entire mortgage process. He went above and beyond to get my client approved, and his communication was excellent from start to finish. He's incredibly knowledgeable, charismatic, and makes himself available. Clients are now happy homeowners!"

— Leticia Malcolm
★★★★★

"Ronald is top notch! We finished two closings at the same time. His communication skills are what gets the work done! Looking forward to our next deal together."

— Lina María Vergara
★★★★★

"Great experience working with Ronald. From the moment we spoke, transparency was given throughout the whole process. Two weeks exactly to close — thank you PMF team for making this happen!"

— Andrew Puebla
★★★★★

"Ronald closed us in less than 30 days! Everything was done on time and no questions left unanswered."

— Javier Gonzalez
★★★★★

"Ronald was very professional and easy to work with throughout the process. I would definitely use his services again — highly recommend him."

— Carlos Sordo
★★★★★

"Ronald was such a pleasure to work with — friendly, professional, and always quick to respond. I'd highly recommend him!"

— Dezurey Garcia
★★★★★

"Ronald was excellent, great communication. Made it as seamless as possible."

— Steve Orfali
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