Residential Lending Tailored for You
Discover the vision, values, and stories that make IFB your trusted partner in the financial world.
Flexible Solutions for Homebuyers and Homeowners
ARM Loans & Home Equity Solutions
Why Choose an ARM?
- Lower your monthly payments in the early years
- Build equity faster with more affordable upfront payments
- Free up cash for renovations, savings, or investments
- Take advantage of rate caps and adjustment limits
ARMs are a smart option if you plan to sell, refinance, or pay down your mortgage before the fixed-rate period ends.
Home Purchase
Finance your primary residence, second home, or investment property with flexible ARM solutions and personalized, concierge-level service.
Home Refinance
Take advantage by lowering your current mortgage rate, tapping into your equity, or adjusting your loan term to fit your goals. Flexible options available for rate/term and cash-out refinances.
Construction to Permanent Financing
Domestic borrowers only
- Single-family residences, planned unit developments (PUDs), and warrantable condominiums.
- No investment properties allowed.
- Variable rate tied to the Wall Street Journal Prime + margin.
- HELOC not available for international clients.
- Closing costs will apply.*
Helping Our Community Achieve Homeownership
Lending Solutions We Offer
Home Purchase
Finance your primary residence, second home, or investment property with flexible ARM solutions and personalized, concierge-level service.
Home Refinance
Take advantage by lowering your current mortgage rate, tapping into your equity, or adjusting your loan term to fit your goals. Flexible options available for rate/term and cash-out refinances.
Home Equity Line of Credit (HELOC) – Florida Only
Access your home’s equity with a flexible line of credit ideal for home improvements or major expenses.
- Single-family residences, planned unit developments (PUDs), and warrantable condominiums.
- No investment properties allowed.
- Variable rate tied to the Wall Street Journal Prime + margin.
- HELOC not available for international clients.
- Closing costs will apply.*
Construction to Permanent Financing
Domestic borrowers only
- 3/1, 5/1 & 7/1 ARMs available.
- Maximum Debt-to-Income 43%.
- 24-Month Construction/Draw period (With interest-only payments during the construction/draw period; amortized based on the remaining term.).
- Primary and second homes only.
Helping Our Community Achieve Homeownership
Lending Solutions We Offer
Home Equity Line of Credit (HELOC) – Florida Only
Access your home’s equity with a flexible line of credit ideal for home improvements or major expenses.
- Single-family residences, planned unit developments (PUDs), and warrantable condominiums.
- No investment properties allowed.
- Variable rate tied to the Wall Street Journal Prime + margin.
- HELOC not available for international clients.
- Closing costs will apply.*
Professionals Program
Exclusive Home Financing for Top-Tier Professionals
Exclusively for high-achieving professionals purchasing or refinancing (rate and term only) a primary residence.
Eligible Professionals
Exclusively for high-achieving professionals purchasing or refinancing (rate and term only) a primary residence.
Licensed Attorneys
CPAs
Medical Doctors
(including Dentists, Oral Surgeons, Veterinarians)
C-Level Executives
- Professionals Program Disclaimer: Max Debt-to-Income Ratio: 43%. No cash-out refinances.
Licensed Attorneys
CPAs
Medical Doctors
(including Dentists, Oral Surgeons, Veterinarians)
C-Level Executives
High-Value Loans, Flexible Terms, and Personalized Service
Why Borrow with Us?
Can borrow up to $10 million.
3/1, 5/1 and 7/1 ARM options.
Online Banking Access for loan payments.
Trusted, reliable customer service.
Personalized attention to meet your financial needs.
Hold Title in the name of a Trust or Limited Liability Corporation.
We are currently lending in the state of Florida and NY Metropolitan area
Disclosures
- Residential mortgage loans are subject to credit review and approval. Additional conditions and restrictions may apply.
- This is not a commitment to lend. Standard credit criteria apply.
- HELOC program only for Domestic Borrowers (U.S. Citizens and U.S. Residents) with properties located in the State of Florida.
- HELOC rate pricing is based on the WSJP, as published daily in The Wall Street Journal Eastern Edition Money Rates Table plus margin, subject to change at Bank’s discretion.
- Annual Percentage Rate (APR) may vary. Maximum HELOC APR is 18% and will never be lower than 5%.
- Primary residence – Single Family, PUDs, and warrantable condominiums only.
- Closing costs will apply.
- Speak with your tax advisor regarding the deductibility of interest.
- Estimated third party costs and fees may range between $850-$10,000. Other fees may apply.
- Bank will apply a credit in the amount of up to $1,000 toward the closing costs to be reflected in the closing statement. For all HELOCS paid off and closed within 24 months of opening date, the borrower will be required to reimburse the bank for the closing costs that were paid on their behalf. Other conditions may apply.
- Acceptable confirmation of hazard and windstorm insurance, and flood insurance may be required.
- Applicants must establish an International Finance Bank personal deposit relationship prior to closing.
Chris Cabrera
Miami Residential Loan Officer
ccabrera@ifbbank.com
(305) 224-3287
NMLS #387890
Chris Stuckey
NY Residential Loan Officer
cstuckey@ifbbank.com
(718) 551-8653
NMLS #127423
We Solve your Doubts
Frequently Asked Questions
What is an Adjustable-Rate Mortgage (ARM)?
An ARM is a home loan with an interest rate that is fixed for an initial period (3, 5, or 7 years) and then adjusts periodically based on market conditions. This usually means lower initial payments compared to a traditional fixed-rate loan, making it a great option if you plan to sell, refinance, or pay off your loan before the fixed-rate period ends.
Who can qualify for your residential lending products?
We offer residential lending solutions to U.S. citizens, residents, and non-resident alien (NRA) clients for primary residences, second homes, and investment properties in Florida and the NY metropolitan area. Certain restrictions apply to HELOCs and the professionals program.
What types of properties are eligible?
• Single-family homes.
• Warrantable condominiums.
• 2–4 unit residences (case by case).
• Planned Unit Development (PUDs).
• Co-ops (in NY Metropolitan areas only).
Note: HELOCs are not available for investment properties or foreign clients.
Can I refinance my current mortgage with you?
Yes. We offer rate/term refinances to adjust your interest rate or loan term, as well as cash-out refinances (except in the Professionals Program).
What is a HELOC and who can apply?
A Home Equity Line of Credit (HELOC) allows you to borrow against your home’s equity through a revolving line of credit.
- Available only in Florida.
- Variable rate tied to Wall Street Journal Prime + margin. Rates are subject to change based on the Wall Street Journal Prime.
- For single-family homes, Planned Unit Developments (PUDs), and warrantable condos only.
- Not available for investment properties or foreign clients.
What is the Professionals Program?
Our Professionals Program is designed for high-achieving professionals (attorneys, CPAs, medical doctors including dentists and veterinarians, oral surgeons, and C-level executives) purchasing or refinancing their primary residence in Florida and NY Metropolitan area. Benefits include:
• Up to 89.4% Loan-to-Value (LTV).
• No PMI (Private Mortgage Insurance).
• Loan amounts up to $2 million.
Rate/term refinances only (no cash-out)
