EZ Funding Group, Inc.

EZ Funding Group, Inc. Call us today to learn more! EZ Funding Group, Inc. Florida’s trusted mortgage advisor, helping families make confident financial moves.

(NMLS #349022 | Jaime Charouf NMLS #348964) has been helping families and investors achieve their homeownership dreams since 2000. Founded by Jaime Charouf, President & CEO, our mission is simple: to provide Floridians with personalized mortgage solutions, honest guidance, and a smooth path to closing. We specialize in a full range of loan programs to fit your needs, including:
✅ Conventional, FHA

, VA, USDA, Jumbo Loans
✅ First-Time Homebuyer Programs & Florida Hometown Heroes
✅ Foreign National & Non-QM Loans
✅ Reverse Mortgages & Cash-Out Refinances
✅ Commercial & SBA Financing

From first-time buyers to luxury homeowners and seasoned investors, we tailor each mortgage strategy to match your goals. Our team is proud to serve clients across the entire state of Florida, including Miami-Dade, Broward, Palm Beach, Orlando, Tampa, Jacksonville, and beyond.

📞 Call us today at (954) 318-1100 or visit https://www.ezfundingonline.com/
to explore your options with a mortgage team that always puts your best interests first.

Three percent down sounds simple until the savings account actually has to produce it, and still leave something for clo...
06/08/2026

Three percent down sounds simple until the savings account actually has to produce it, and still leave something for closing costs, prepaids, and the first month of ownership. HomeReady and Home Possible were built around that exact tension: keeping the upfront number low without giving up the long-term flexibility of conventional financing.

For eligible buyers in Miramar, Pembroke Pines, and Broward County, the real question is rarely whether 3% down is appealing. It is whether household income falls at or below the 80% AMI cap for the property, and whether the rest of the file lines up.

HomeReady and Home Possible loans may give eligible Florida buyers a low down payment conventional option to compare. They are not shortcuts, and they are not automatic approvals. But they can be worth understanding if the down payment is the piece making homeownership feel farther away.

This blog explains what these programs are, what buyers should check first, and why the full cash-to-close picture still matters.

Tap the link in the comments for the full breakdown of HomeReady and Home Possible loans in Florida before deciding which low-down-payment path to compare first.



EZ Funding Group, Inc. NMLS #349022 | Jaime Charouf NMLS #348964 | Equal Housing Lender

A lot of buyers feel calm until the contract is signed and hurricane season becomes part of the timeline.The home may st...
06/07/2026

A lot of buyers feel calm until the contract is signed and hurricane season becomes part of the timeline.

The home may still be right. The numbers may still work. But then new questions show up fast. Will insurance take longer? Can inspections be completed on time? What happens if weather affects the closing schedule?

These are real concerns, and they do not mean a deal is falling apart. They usually mean the process needs earlier planning and clearer communication.

This post breaks down how to prepare without turning the process into panic. If you have ever bought, sold, or advised during hurricane season, what part of the timeline feels most stressful to you?



EZ Funding Group, Inc. NMLS #349022 | Jaime Charouf NMLS #348964 | Equal Housing Lender

Here is the FHA detail most Pembroke Pines buyers don't catch until closing week:Your annual MIP duration is locked at t...
06/06/2026

Here is the FHA detail most Pembroke Pines buyers don't catch until closing week:

Your annual MIP duration is locked at the original loan-to-value. Greater than 90% LTV on a 30-year FHA loan? MIP stays for the life of the loan. At or below 90%? It ends after 11 years.

That single number on closing day quietly decides what your monthly payment looks like a decade from now and whether you'll need to refinance later just to remove the insurance line.

There is also a 1.75% upfront MIP, a 2023 reduction to the annual rate, and a different rulebook from conventional PMI. None of it is hidden. It just doesn't get explained until the loan estimate is already in front of you.

The full post lays the MIP numbers out clearly, so the line item in your loan estimate isn't a surprise.

Link in the first comment; open it before your call with the lender.



EZ Funding Group, Inc. NMLS #349022 | Jaime Charouf NMLS #348964 | Equal Housing Lender

210 days. Six on-time payments. A "combined rate" drop of at least 0.5%.Those are three of the FHA Streamline Refinance ...
06/05/2026

210 days. Six on-time payments. A "combined rate" drop of at least 0.5%.

Those are three of the FHA Streamline Refinance rules most homeowners hear about only after they've already started calling around, and they decide whether the option is even on the table for you yet.

A Streamline isn't automatic. It's a specific FHA-to-FHA path with seasoning rules, a payment history test, a Net Tangible Benefit calculation, and a $500 cash limit at closing.

When it fits, it can be lighter on documentation than a full refinance. When it doesn't, knowing why protects you from chasing a quote that was never going to apply.

The full guide walks through who actually qualifies, what the MIP refund window looks like, and the questions to ask before paying any application fee.

Tap the comment for the full breakdown. It'll take three minutes.



EZ Funding Group, Inc. NMLS #349022 | Jaime Charouf NMLS #348964 | Equal Housing Lender

What happens if the home doesn't appraise?It is the quiet question that hangs over the week between offer and closing, a...
06/04/2026

What happens if the home doesn't appraise?

It is the quiet question that hangs over the week between offer and closing, and most buyers don't get a straight answer until they're already inside it.

A low appraisal is not the end of the deal, but it does open a small set of choices: renegotiate the price, bring more cash, ask for seller credits, file a Reconsideration of Value, or walk away if the contract allows. Each one runs on a tight timeline.

In a Fort Lauderdale market where comparable sales can vary block by block, knowing the options before they're needed is the difference between calm and panic.

The full guide covers how appraisals actually work in Florida, how they differ from inspections, and what to do if the number comes in low.

Send this to whoever you're buying with before the appraisal report lands.



EZ Funding Group, Inc. NMLS #349022 | Jaime Charouf NMLS #348964 | Equal Housing Lender

$654,350. That is the 2026 FHA loan limit for a one-unit home in Broward County.It sounds like a green light. It isn't.T...
06/03/2026

$654,350. That is the 2026 FHA loan limit for a one-unit home in Broward County.

It sounds like a green light. It isn't.

The county limit caps the FHA-insured loan amount, but it does not decide what a specific buyer actually qualifies to borrow. Income, debts, credit, down payment, property taxes, homeowners insurance, and HOA dues all sit underneath that headline number.

In Broward, the insurance and tax lines can quietly shrink the affordable price range by a lot.

A buyer who anchors on the limit and skips the rest can end up house-hunting in the wrong price band for weeks. A buyer who runs the full math first walks into showings with a real number, not a wishful one.

The full breakdown, including how the limit shifts for duplexes, triplexes, and fourplexes, is in the comments.

Read it before you write the offer.



EZ Funding Group, Inc. NMLS #349022 | Jaime Charouf NMLS #348964 | Equal Housing Lender

Most buyers see a dated kitchen, a worn roof, or flooring that scares them and they cross the home off the list before a...
06/02/2026

Most buyers see a dated kitchen, a worn roof, or flooring that scares them and they cross the home off the list before asking one question.

Could the repairs be financed into the mortgage itself?

That is the lane an FHA 203(k) renovation loan sits in. For South Florida buyers, it can change what a "starter home" or an "as-is" listing actually means, but only if the property, the repair scope, the contractor, and the cash needed all line up.

The rules are specific: there is a repair budget cap on the Limited version, a different process for Standard, a six-month renovation window, and a list of things the funds will not cover.

The full post walks through what 203(k) can and cannot do, plus what to confirm before you make an offer on a fixer-upper.

Save this before your next showing: the wrong "as-is" home can cost more than the right one.



EZ Funding Group, Inc. NMLS #349022 | Jaime Charouf NMLS #348964 | Equal Housing Lender

A buyer in Miramar lined up the loan, found the condo, signed the offer, and was 10 days from closing when the lender fl...
06/01/2026

A buyer in Miramar lined up the loan, found the condo, signed the offer, and was 10 days from closing when the lender flagged the building.

The buyer was approved. The unit wasn't.

FHA does not automatically approve every condo. The project has to clear specific HUD checks: 50% owner-occupancy, a 10% single-investor cap, a 15% delinquency limit on HOA dues, and a renewal cycle that runs about every three years.

A condo can look perfect on Zillow and still fail on paper.

There is also a Single-Unit Approval path that can save a deal in some buildings and clear alternatives when neither one works.

The full guide walks through how to check the list, what to ask for from the association, and what to do if the project doesn't qualify.

The full post is pinned in the comments; open it before you write the offer.



EZ Funding Group, Inc. NMLS #349022 | Jaime Charouf NMLS #348964 | Equal Housing Lender

A duplex can sound simple at first: live in one side, rent the other, and make the numbers feel easier.Then the real que...
05/31/2026

A duplex can sound simple at first: live in one side, rent the other, and make the numbers feel easier.

Then the real questions start.

Can FHA be used?

Do you have to live there?

Will rental income count?

What happens if the property needs repairs?

And does the plan still make sense in Broward County, Miramar, or Pembroke Pines?

For some Florida buyers, a duplex can be a thoughtful path into homeownership and long-term planning. But it is not just about finding a two-unit property. The loan, occupancy rules, cash needed, and property condition all need to line up.

This blog breaks down how an FHA loan for duplex in Florida may work, without making the process feel more complicated than it needs to be.

Full guide in the comments.



EZ Funding Group, Inc. NMLS #349022 | Jaime Charouf NMLS #348964 | Equal Housing Lender

People think I just process loan applications.Here's what a real Wednesday looked like last week:7:30 AM: Called a buyer...
05/31/2026

People think I just process loan applications.

Here's what a real Wednesday looked like last week:

7:30 AM: Called a buyer back before my first meeting after a late-night credit panic.

9:15 AM: Helped a first-time buyer understand student loans wouldn't disqualify them.

11:00 AM: Reworked a self-employed file three different ways to find the best payment.

1:30 PM: Fixed a deed typo with title before it delayed closing.

3:45 PM: Helped a buyer through a low appraisal and kept the deal alive.

6:20 PM: Sent a pre-approval to a couple who thought homeownership wasn't possible.

This job isn't just paperwork. It's problem-solving, steady communication, and helping people stay calm through one of the biggest decisions of their lives.

If any of that sounds familiar, DM me to see your options. I'll give you a straight answer.



EZ Funding Group, Inc. NMLS #349022 | Jaime Charouf NMLS #348964 | Equal Housing Lender

Address

Miramar, FL

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 12pm

Telephone

+19543181100

Website

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