Your REALTOR®
Is Also Your
Mortgage Broker.
Most buyers work with two separate professionals — an agent and a lender who’ve never met — and then wonder why closing is stressful. I eliminated that gap. I’m Stacy Ann Stephens: a licensed REALTOR® with Keller Williams Winter Park and a licensed Mortgage Broker offering FHA, VA, DSCR, ITIN, Non-QM, and Foreign National loans through Jhenesis Mortgage.
One phone call. One advisor. From pre-approval to keys.
NMLS #1933745
KW Winter Park
24+ Years Experience
Loan Programs Available
Investor Financing
Why Having Your REALTOR® and Mortgage Broker Be the Same Person Changes Everything
I watched the 2008 housing crisis unfold and saw what happened to buyers who didn’t fully understand the financing behind their purchase. That experience shaped why I got my mortgage license — because knowing homes isn’t enough. You need to understand the money behind them too.
When your agent and lender are two separate professionals, things fall through the cracks. Offers are written without checking financing feasibility. Rate locks expire. Communication breaks down at the worst possible moment. When they’re the same person — that’s a different experience entirely.
- Pre-approval and home search start simultaneously — no waiting
- Offer price and loan structure are aligned before you submit
- One phone call answers real estate AND mortgage questions
- Faster closings — no lag between agent, lender, and processor
- Investor financing and residential search coordinated in a single strategy
Financing for Every Buyer Profile
Most banks offer three or four loan products. Through Jhenesis Mortgage, I have access to programs designed for the buyers other lenders turn away — investors, immigrants, entrepreneurs, and first-timers alike.
Conventional Loans
Conforming loans meeting Fannie Mae / Freddie Mac guidelines. Ideal for buyers with strong credit and documented W-2 or salaried income. Down payments from 3–20%.
FHA Loans
FHA-insured loans with as little as 3.5% down. Credit scores as low as 580 may qualify. Great for first-time buyers or those rebuilding after a credit setback.
VA Loans
Zero-down mortgage for eligible veterans, active duty, and surviving spouses. No PMI. Often the lowest rate available. Only ~15% of veterans use this benefit — don’t leave it on the table.
DSCR Loans
Qualify on the rental income of the property — not your tax return. Ideal for self-employed investors and portfolio builders who can’t document income the traditional way.
ITIN Loans
Home purchase and refinance loans for buyers using an Individual Taxpayer Identification Number. You don’t need a Social Security number to own property in Florida.
Foreign National Mortgage
Residential mortgages for non-U.S. citizens purchasing Florida real estate. Available for primary residences, vacation homes, and investment properties.
Non-QM / Bank Statement
12–24 months of bank statements replace tax returns as income documentation. Built for business owners and freelancers whose write-offs hurt their qualifying income on paper.
FL Hometown Heroes
Florida Housing program offering down payment and closing cost assistance for eligible first-time buyers in qualifying professions — educators, healthcare, first responders, and more.
I Specialize in the Buyers
Other Lenders Can’t Help
My 24 years in this market — and my mortgage license — exist because I kept meeting buyers who deserved better options than “sorry, you don’t qualify.”
The Self-Employed Buyer
Your business is thriving but your tax return tells a different story. Bank statement and Non-QM loans use actual cash flow — not what you wrote off.
Non-QM · Bank StatementThe International Buyer
No SSN, no problem. Whether you’re buying with an ITIN or a foreign passport, there’s a financing path to Florida real estate. I’ve helped buyers from Jamaica, Latin America, Europe, and beyond.
ITIN · Foreign NationalThe Real Estate Investor
You’re building a portfolio and your personal DTI doesn’t reflect your actual financial picture. DSCR loans qualify on the property’s income — not yours.
DSCR · InvestmentThe Veteran or Military Family
VA loans are the most powerful mortgage benefit available — zero down, no PMI, competitive rates. Yet most veterans never use it. Let’s change that.
VA LoanThe First-Time Buyer
You might be closer to qualified than you think. FHA, Hometown Heroes, and down payment assistance programs exist exactly for this moment — let’s find what fits.
FHA · Hometown HeroesThe Corporate Relocator
Moving to Central Florida for work and on a deadline? Pre-approval and home search starting the same day from the same advisor is the only way to close on time.
Conventional · Jumbo
Want to Buy a Fixer-Upper? There’s a Loan for That.
Not every great home comes move-in ready. Renovation financing lets you purchase a home and fund the improvements — all in one loan. This strategy often lets buyers access neighborhoods they couldn’t otherwise afford at current resale prices.
- FHA 203(k) Loans — Purchase + renovation costs combined into one FHA-insured loan. Lower down payment, flexible credit requirements.
- ARV Fix-and-Flip Loans — Qualify based on the After Repair Value of the property — not what it’s worth today. Popular with investors targeting distressed properties.
- Home Equity Financing — For current owners looking to renovate without disrupting a low existing mortgage rate.
Most Sellers Are Also Buyers.
This Is Where It Gets Complicated.
If you’re selling your current home and buying a new one simultaneously, the timing and financing have to be synchronized. A bridge loan, a sale contingency strategy, or a new purchase pre-approval while your existing home is listed — these require someone who understands both sides of the transaction.
Because I handle the listing, the home search, and the financing — I build a coordinated strategy that protects you whether your home sells fast or takes a few extra weeks.
Getting Pre-Approved Is Easier Than You Think
Most buyers wait too long to start the mortgage conversation. Here’s how straightforward the process actually is when you work with someone who does both.
Free Consultation
Call, text, or email Stacy. You’ll talk through your goals, income type, credit range, and timeline — no application required yet.
Choose Your Loan Path
Based on your profile, Stacy identifies the best loan program — conventional, FHA, DSCR, ITIN, or Non-QM — and explains what it means for your purchase.
Submit Application
Complete the secure online application through Jhenesis Mortgage. Stacy tells you exactly which documents you’ll need for your loan type — no guessing.
Receive Pre-Approval
Most standard applicants receive a formal pre-approval letter within 24–48 hours. This letter is your power at the offer table.
Search with Confidence
Pre-approval in hand, Stacy activates your home search immediately — because she’s your REALTOR® too. One conversation does the work of two.
Ready? Let’s Get You Pre-Approved.
Applications take about 15 minutes. Stacy reviews every file personally — no call centers, no automated underwriting surprises.
Already Working with a REALTOR®? I Still Have Loan Programs They Don’t.
Agents regularly refer their clients to Stacy for financing when the client’s profile doesn’t fit traditional lending. DSCR, ITIN, foreign national, bank statement — these are specialties that most lenders don’t offer, and most agents don’t know where to send their clients.
If you have a buyer who needs a non-conventional path to closing, call Stacy. The goal is always the same: get your client to the table.
Frequently Asked Questions About
Getting a Mortgage in Florida
Voice-search ready answers to the questions buyers ask most.
Stacy Ann Stephens is the licensed Mortgage Broker — NMLS #1933745 — operating through Jhenesis Mortgage (NMLS #2532705). She is also a licensed REALTOR® with Keller Williams Realty Winter Park, serving buyers across Central Florida with both home search and financing under one roof.
Conventional, FHA, VA, USDA, DSCR, Non-QM, bank statement, ITIN, foreign national, and renovation loans (FHA 203k / ARV). Stacy also offers access to the Florida Hometown Heroes down payment assistance program for qualifying first-time buyers.
Yes. Through Jhenesis Mortgage, Stacy offers ITIN loan programs for buyers with an Individual Taxpayer Identification Number and foreign national mortgages for non-U.S. citizens — no Social Security number required for either program.
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income of the property you’re purchasing — not your personal income or tax returns. If the property’s projected rent covers the monthly payment at the required ratio, you may qualify. These loans are designed for real estate investors, especially those who are self-employed or have complex tax situations.
For most buyers with standard W-2 documentation, Stacy can issue a formal pre-approval letter within 24–48 hours of receiving a completed application and required documents. Non-QM and bank statement loans may take a bit longer due to additional document review, but Stacy will tell you what to expect upfront.
Yes. Bank statement loans and Non-QM programs are specifically built for self-employed borrowers whose tax returns understate actual income due to business deductions. Using 12–24 months of bank statements, Stacy can qualify borrowers on cash flow rather than taxable income.
Pre-qualification is an informal estimate based on self-reported information. Pre-approval involves a real credit pull and document review — and produces a letter that sellers actually take seriously. In today’s Central Florida market, most sellers will not consider an offer without a pre-approval letter.
For W-2 buyers: 2 years of tax returns and W-2s, 2 recent pay stubs, 2 months of bank statements, and a valid ID. For self-employed: 12–24 months of bank statements. For DSCR investors: a rental income estimate or signed lease for the property. For ITIN applicants: ITIN documentation and 2 years of returns. Stacy will give you a specific checklist based on your loan type.
Florida Hometown Heroes is a down payment and closing cost assistance program through the Florida Housing Finance Corporation, available to eligible first-time buyers in qualifying professions — educators, healthcare workers, law enforcement, first responders, and military. Stacy can confirm eligibility and incorporate the program into your financing strategy at no additional cost.
A hard inquiry for a mortgage pre-approval may temporarily lower your score by a few points. However, multiple mortgage inquiries within a 14–45 day window are typically counted as a single inquiry by FICO models. Stacy advises buyers on credit timing strategy before running credit, especially if you’re close to a qualifying threshold.
One Call. Home Search and Pre-Approval.
Whether you’re buying in 30 days or 6 months, the conversation starts the same way — with a free, no-pressure call where we figure out your path together.
Mortgage brokerage services provided by Stacy Ann Stephens, Mortgage Broker, NMLS #1933745 | Jhenesis Mortgage NMLS #2532705. Real estate services provided under Keller Williams Realty Winter Park · 147 W Lyman Ave, Winter Park FL 32789 · (407) 603-1664. All loans subject to qualification, underwriting approval, and applicable state and federal regulations. This is not a commitment to lend. Equal Housing Lender.