Mortgage Broker Sunrise FL

Lena Polnet of Dynamic Funding Solutions is a Florida-licensed mortgage broker serving homebuyers and real estate investors in Sunrise and throughout Broward County. With 28+ years of mortgage lending experience, Lena provides access to wholesale loan programs including FHA, VA, Conventional, DSCR, Non-QM, Jumbo, Reverse, and Bank Statement loans — all processed digitally from application to closing. Call (215) 364-7171 to connect with Lena today.

Home Loan Programs in Sunrise, Florida

Sunrise homebuyers and investors can access a full suite of mortgage programs through Dynamic Funding Solutions. FHA loans require just 3.5% down and accept credit scores down to 580, making homeownership accessible for more Sunrise buyers. VA loans provide 0% down financing with no monthly mortgage insurance for eligible veterans and active-duty service members. Conventional loans start at 3–5% down and offer lower mortgage insurance rates compared to FHA. DSCR loans enable Sunrise real estate investors to qualify based on rental cash flow rather than personal income documentation. Jumbo loans cover higher-priced Sunrise properties that exceed conforming loan limits. Bank Statement loans allow self-employed borrowers to qualify using 12–24 months of bank deposits. Non-QM and Reverse mortgage options are also available.

Florida First-Time Homebuyer Programs

First-time buyers in Sunrise can benefit from programs offered through the Florida Housing Finance Corporation (Wikidata: Q1411891). The FL Assist program provides a deferred second mortgage of up to $10,000 with no monthly payments and no interest — repayment is deferred until sale, refinance, or payoff of the first mortgage. The HFA Preferred grant adds 3–4% of the loan amount as a non-repayable grant. Broward County purchase price and income limits apply. Lena Polnet helps Sunrise buyers stack these programs with the best available first mortgage rate to minimize upfront costs.

Real Estate Investors in Sunrise FL

Sunrise offers real estate investors proximity to Fort Lauderdale, BB&T Center, and major employment corridors — creating consistent rental demand for both long-term leases and short-term stays. DSCR loans let investors qualify based on a property’s rental income rather than personal W-2s or tax returns — ideal for self-employed buyers or those with multiple properties. Short-term rental income from platforms like Airbnb can be counted toward debt service coverage using AirDNA market data. LLC vesting is permitted, protecting personal assets from liability. Loan amounts up to $2M+ are available for qualifying Broward County investment properties. Lena Polnet has extensive experience structuring investment loans for the South Florida market.

Frequently Asked Questions — Sunrise FL Mortgage

Can I get a mortgage in Sunrise FL with Lena Polnet?

Yes. Lena Polnet is licensed in Florida and serves buyers throughout Sunrise and Broward County. The loan process is fully digital — documents are uploaded online and signed electronically, so no in-person office visit is needed. Call (215) 364-7171 or visit dynamicfunding.net to begin.

What down payment do I need to buy a home in Sunrise FL?

FHA loans require as little as 3.5% down. VA loans for eligible veterans are available with 0% down. Conventional loans start at 3–5% depending on credit and loan program. DSCR investment property loans typically require 20–25% down. FL Assist can contribute up to $10,000 toward the down payment for qualifying buyers.

Do you offer DSCR loans for Sunrise FL rental properties?

Yes. DSCR loans are fully available for Sunrise investment properties. Qualification is based on the property’s gross rental income relative to the monthly mortgage payment — no personal tax returns required. Short-term Airbnb rental income is acceptable with AirDNA documentation, and LLC ownership is permitted.

Contact Lena Polnet — Florida Mortgage Specialist

Call (215) 364-7171 or visit dynamicfunding.net. Serving Sunrise, Broward County, and all of Florida.

Dynamic Funding Solutions, Inc. — NMLS #17144 | Lena Polnet — NMLS #17225 | Licensed in Pennsylvania and Florida | Equal Housing Lender