Florida home loans,
built with resilience.
Resilience International Lending is a Miami-based mortgage broker crafting tailored financing for buyers, investors, and foreign nationals across the Sunshine State — with clarity, speed, and relentless advocacy.
60-second check
What can you afford?
Answer 3 quick questions and Nicholas will send you a personalized plan.
Step 1 of 4
What's your goal?
Loan Programs
Financing for every chapter of Florida life
One broker, dozens of lenders. We shop the wholesale market to match you with the right program — not the easy one.
Home Purchase
Conventional, FHA, VA, and USDA loans with competitive rates and a fast, clean path to closing.
Refinance
Lower your rate, shorten your term, or tap equity with a cash-out refinance tailored to your goals.
Investment Properties
Financing for 1–4 unit investment homes and portfolio builds, with DSCR and bank-statement options.
Foreign National
Specialized programs for non-US residents buying Florida property — no SSN or US credit required.
Jumbo Loans
High-balance financing for luxury and waterfront homes across South Florida and beyond.
Bank Statement & ITIN
Self-employed and non-traditional income verified through bank statements and ITIN programs.
Payment preview
See your monthly payment in seconds
Drag the sliders to explore. When a number feels right, lock in a personalized quote.
Estimated monthly payment
$3,819
- Principal & interest
- $2,694
- Taxes & insurance (est.)
- $1,125
- Loan amount
- $405,000
- Rate used
- 7.00% · 30-yr
Illustration only, based on a market-average rate. Not a loan offer.
Why Resilience
The advantage of a broker who shops the whole market
Big banks offer you one shelf. We walk you through the entire warehouse — and negotiate on your behalf.
Broker, not banker
We work for you, not one lender. That means unbiased access to 50+ wholesale channels and the best fit for your file.
Speed that wins deals
Organized files, direct underwriter relationships, and 48-hour pre-approvals — so your offer stays competitive.
Rate intelligence
We watch the market and structure loans for long-term value, not just a quick closing and a commission.
Straight talk
Clear costs, real timelines, no surprises at the closing table. You always know where your loan stands.
From the Keys to the Panhandle.
Licensed to lend across the entire state of Florida.
Meet Your Broker
Nicholas Pereira
Founder & Principal Mortgage Broker
Nicholas founded Resilience International Lending after more than 5 years in the mortgage industry, with a simple conviction: every Florida buyer deserves a broker who treats their loan like it's their own. Based in Miami and licensed statewide, the practice blends sharp wholesale-market knowledge with the personal attention a neighborhood broker is known for.
From first-time buyers in Orlando to foreign-national investors in Brickell, the focus never changes — structure the right loan, communicate clearly, and close on time. That discipline has built a referral-driven business across the Sunshine State.
How It Works
Four steps from first call to front door
Intro conversation
A quick call to understand your goals, timeline, and the property you have in mind. No pressure, no obligation.
Get pre-approved
We assemble your file and shop 50+ lenders to lock the right program and rate — typically within 48 hours.
Make a winning offer
Your solid pre-approval letter strengthens your offer. We coordinate with your agent and stay on call.
Close with confidence
Clear costs, on-time closing, and a broker who handles the details from application to keys.
Coverage Area
Lending across all 67 Florida counties
Headquartered in Miami, Resilience International Lending serves buyers, investors, and refinancers from the Keys to the Panhandle. Wherever your Florida property is, we can fund it.
Client Stories
Florida homeowners who got to the closing table
“Closed on our Brickell condo in 21 days — as foreign buyers with no US credit. The process felt impossible until we found Resilience.”
“They refinanced our Tampa rental portfolio and cut our rate by a full point. Clear numbers the whole way through.”
“First-time buyers and nervous. Our broker explained everything, got us pre-approved fast, and we won the offer over cash.”
Testimonials are illustrative placeholders — replace with real client reviews before publishing.
FAQ
Questions, answered straight
Get Started
Let's find your loan.
Tell us a little about your goals and we'll reach out within one business day. No obligation — just a straight conversation about what's possible.