Fast Closings · Private Capital · 20+ Loan Programs

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Closed right.

Atlantic Shores Financial is a Florida mortgage brokerage built on speed, precision, and access to capital that banks can't match.

Licensed Florida Broker Reply Within the Hour 5.0 ★ Google Rating
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Traditional Bank Statement DSCR Commercial Hard Money Foreign Nationa 30-Yr Investor Other
No obligation · Licensed Florida Broker NMLS #1969947
24hr +
Pre-Approval
20 +
Loan Programs
5.0
Google Rating
DSCR Loans Hard Money Foreign National Commercial Residential Investment Property Fix & Flip South Florida Experts 48hr Pre-Approvals NMLS #1969947 DSCR Loans Hard Money Foreign National Commercial Residential Investment Property Fix & Flip South Florida Experts 48hr Pre-Approvals NMLS #1969947

"Marina and her team was a pleasure to work with on the purchase of our second home. She answered our calls, texts and emails with graciousness, always in a timely manner. Highly recommend!"

OB
Oksana Berejnoi
Verified Google Review

"More than one close with Marina. Long time customer. In my 30 years experience, I've never found anybody better. She won't disappoint you ever. The best."

NA
Nicola Antonucci
Verified Google Review

"I couldn't be happier with Marina at Atlantic Shores. She was so helpful in the purchase of my vacation property. She handles so many details with ease and was an absolute pleasure to work with."

AS
Anthony Scibelli
Verified Google Review

"This was a deal-saving loan. Last minute due to a fall through from another lender — buyers had earnest money at risk and Marina stepped up and pulled it through. I greatly appreciate your professionalism."

SB
Samuel Birch
Verified Google Review

"Great services covering all possible elements. The expertise has been very tailored to my particular needs. I would highly recommend the use of their services!"

JW
J Wilcher
Verified Google Review

"They were able to close on a real estate deal for me in 48 hours."

DJ
Dave Johnson
Verified Google Review

"Excellent, professional service."

OH
Odalys Hernandez
Verified Google Review

"Marina and her team at Atlantic Shores Financial are truly exceptional. Professional, responsive, and knowledgeable — I wouldn't go anywhere else."

LG
Len Garcia
Verified Google Review

"Marina and her team was a pleasure to work with on the purchase of our second home. She answered our calls, texts and emails with graciousness, always in a timely manner. Highly recommend!"

OB
Oksana Berejnoi
Verified Google Review

"More than one close with Marina. Long time customer. In my 30 years experience, I've never found anybody better. She won't disappoint you ever. The best."

NA
Nicola Antonucci
Verified Google Review

"I couldn't be happier with Marina at Atlantic Shores. She was so helpful in the purchase of my vacation property. She handles so many details with ease and was an absolute pleasure to work with."

AS
Anthony Scibelli
Verified Google Review

"This was a deal-saving loan. Last minute due to a fall through from another lender — buyers had earnest money at risk and Marina stepped up and pulled it through. I greatly appreciate your professionalism."

SB
Samuel Birch
Verified Google Review

"Great services covering all possible elements. The expertise has been very tailored to my particular needs. I would highly recommend the use of their services!"

JW
J Wilcher
Verified Google Review

"They were able to close on a real estate deal for me in 48 hours."

DJ
Dave Johnson
Verified Google Review

"Excellent, professional service."

OH
Odalys Hernandez
Verified Google Review

"Marina and her team at Atlantic Shores Financial are truly exceptional. Professional, responsive, and knowledgeable — I wouldn't go anywhere else."

LG
Len Garcia
Verified Google Review
Loan Programs

A solution for
every borrower.

From first-time buyers to seasoned investors — if there's a path to close, we find it.

Residential
Designed for primary residences and standard income-qualified borrowers, our traditional loan programs offer competitive rates and flexible terms. Atlantic Shores Financial provides both Conventional and FHA options, guiding clients through a smooth, well-structured approval process from application to closing.
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Investment Property
Ideal for self-employed borrowers who may not show strong income on tax returns. Instead of traditional income documentation, these programs use 12 or 24 months of bank statements to qualify. This solution provides flexibility while maintaining a streamlined path to homeownership or refinancing.
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DSCR Loans
Built specifically for real estate investors, DSCR (Debt Service Coverage Ratio) loans qualify based primarily on property cash flow rather than personal income. These programs are well-suited for rental properties and portfolio growth, offering an efficient and investor-focused financing solution.
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Hard Money
For time-sensitive opportunities that require speed and flexibility (no income verification, no credit check), our hard money and private money programs provide fast access to capital. These solutions are commonly used for acquisitions, bridge scenarios, and fix-and-flip projects where execution and timing are critical.
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Commercial
Atlantic Shores Financial provides tailored financing solutions for a wide range of commercial properties, including mixed-use, multifamily, office, and retail. We work closely with investors and business owners to structure financing aligned with both property performance and long-term investment strategy.
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Foreign National
Designed for non-U.S. residents investing in U.S. real estate, these programs provide flexible documentation options and streamlined qualification. Atlantic Shores Financial helps international buyers navigate the process with clarity and efficiency.
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Traditional
This long-term investor program offers 30-year financing without traditional income verification requirements. Unlike standard DSCR loans, qualification is not dependent on meeting a specific DSCR threshold, providing additional flexibility for investors seeking simplified underwriting and long-term rental financing.
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South Florida

Miami  ·  Fort Lauderdale  ·  Palm Beach  ·  and beyond

Atlantic Shores Financial  ·  NMLS #1969947
$100M+
Total Volume FundedAcross residential, commercial & private lending
24hr+
Pre-Approval TimelineStandard for conventional — same-day for hard money
Multiple
Loan Programs AvailableCovering every borrower profile across Florida
Why Atlantic Shores

Built for borrowers
who can't wait.

We move at the speed of your deal — with the product depth to handle what banks can't.

01
Speed Without Sacrifice
48-hour pre-approvals. Same-week closings on hard money. We move at the speed of your deal, not a committee's calendar.
02
Access to Private Capital
A curated network of lenders, private funds, and capital sources that banks simply don't have access to.
03
South Florida Expertise
Miami, Broward, Palm Beach. International buyers, dense investor markets, complex condo rules — seen it all, closed it all.
04
One Point of Contact
A dedicated loan officer from application to closing. No hand-offs, no confusion — just someone who knows your file cold.
About Us

Ready to get started?

Tell us about your deal. We'll tell you if we can close it — usually within hours, not days.

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