305-271-8005
A Tailored Lending
Experience
Where home financing meets personalized service.
Why Columbus Capital Lending?
At Columbus Capital Lending, we guide you home with heart and expertise. With over 30 years of combined team experience in mortgage lending, our team is deeply committed to providing personalized, boutique-style service that goes beyond the cookie-cutter solutions of big banks. Whether you’re a first-time buyer, upgrading, or refinancing, we take the time to understand your unique situation and offer creative, out-of-the-box financing options tailored to your needs. Our mission is to make the mortgage process smooth, transparent, and empowering. Let us help you find your way home with care, clarity, and confidence.
WHAT CLIENTS SAY
We couldn’t be happier with our experience. The Columbus Capital team was professional, knowledgeable, and incredibly easy to work with.
Emily & Jason L.
Miami, Florida
WHAT CLIENTS SAY
We had an excellent experience working with Columbus Capital Lending from start to finish. They were transparent, responsive, and took the time to explain every step of the process
Sarah M,
Miami, Florida
WHAT CLIENTS SAY
The experience of purchasing my first new home was a smooth process. From our initial meeting all the way to the closing, Columbus was always on top of everything. I felt secure.
Johnny
Orlando, Florida
WHAT CLIENTS SAY
Just closed on my first home and Columbus Capital Lending went above and beyond. The company was very transparent keeping everybody informed throughout the process.
Annie
Miami, Florida
WHAT CLIENTS SAY
Columbus Capital went above and beyond to secure the right loan for us. Their attention to detail, fast communication, and genuine care made a huge difference.
David R.
Miami, Florida
WHAT CLIENTS SAY
This is my second experience of home buying with Columbus. CCL is Efficient, Reliable, Approachable, & Knowledgeable. On both occasions, I closed on time.
Brian
West Palm Beach
Mortgage Tools
Mortgage Options
FHA Loans
Making Homeownership More Accessible
FHA loans are designed to help more buyers qualify for home financing — especially first-time buyers or those with limited savings. Backed by the Federal Housing Administration, these loans offer more flexible qualification guidelines without sacrificing reliability.
Key Features:
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Down payments as low as 3.5%
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More flexible credit requirements
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Seller contributions toward closing costs allowed
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Fixed-rate and adjustable options available
An excellent path to homeownership with a lower upfront investment.
VA Loans
Exclusive Benefits for those who Served
VA loans offer powerful benefits to eligible veterans, active-duty service members, and qualifying spouses. These government-backed loans make homeownership more affordable while removing many traditional barriers.
VA loan advantages:
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$0 down payment options
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No monthly mortgage insurance
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Competitive interest rates
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Flexible qualification guidelines
A well-earned benefit designed to honor your service.
USDA Loans
Zero-Down Financing for Eligible Rural Buyers
USDA loans are created to support homeownership in qualifying rural and suburban areas. With zero down payment options and affordable terms, this program is an excellent solution for buyers seeking value without sacrificing comfort.
USDA loan highlights:
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100% financing available
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Low mortgage insurance costs
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Flexible income requirements
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Closing costs may be financed
A smart option for buyers looking beyond city limits.
Conventional Loans
Flexible, Competitive Financing for Today’s Homebuyers
Conventional loans remain one of the most popular mortgage options for borrowers with solid credit and stable income. These loans offer flexibility, competitive rates, and a wide range of term options, making them ideal for primary residences, second homes, and investment properties.
Highlights include:
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Competitive interest rates
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Low down payment options available
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No mortgage insurance required with 20% down
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Fixed-rate and adjustable-rate programs
A great option for buyers looking for long-term stability and flexibility.
Home Renovation
Finance the Purchase and the Improvement — All in One Loan
Renovation loans make it possible to buy or refinance a home and fund improvements with a single mortgage. Whether you’re updating a fixer-upper or modernizing your current home, this option helps you build value without juggling multiple loans.
Key Features:
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Combine home purchase or refinance plus renovation costs into one loan
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Finance repairs, upgrades, or structural improvements
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Improve livability and increase long-term property value
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One monthly payment instead of separate construction financing
Ideal for buyers of fixer-uppers or homeowners planning major upgrades
Non-QM Loans
Flexible Financing for Borrowers Who Don’t Fit the Traditional Mold
Non-QM (Non-Qualified Mortgage) loans are designed for borrowers with strong financial profiles who don’t meet conventional lending guidelines. These programs focus on cash flow and real-world income, not just tax returns.
Key Features:
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Alternative income documentation options available
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Ideal for self-employed borrowers, business owners, and investors
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Flexible underwriting guidelines
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Solutions for recent credit events or non-traditional income
Loan programs tailored to unique financial situations
A.R.M. Loans
An Adjustable-Rate Mortgage (ARM) is a type of home loan where the interest rate can change periodically throughout the life of the loan. ARMs offer a lower initial interest rate compared to fixed-rate mortgages, which can be advantageous if you plan to sell or refinance your home before the adjustable period begins or if you anticipate an increase in your future income. However, it's crucial to understand the potential for fluctuating monthly payments and consider the affordability of your loan if the interest rate reaches its maximum cap.
Jumbo Loans
Financing for Higher-Value Homes
When your home purchase exceeds standard loan limits, our jumbo loan programs step in. Designed for luxury and high-value properties, these loans provide competitive pricing and personalized underwriting for a smooth experience.
Program features:
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Loan amounts above conventional limits
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Competitive fixed-rate options
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Available for primary, second, and investment homes
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Streamlined approval with experienced loan specialists
Ideal for buyers purchasing higher-priced homes without compromising service or speed.
