Credit guidance that builds confidence
Understand what is affecting your profile and what could make the biggest difference before your next review.
Florida home loans, with a plan
Homeownership should feel possible.
No jargon. No judgment. Just clear mortgage guidance for where you are today and where you want to go.
Themis Mortgage LLC • NMLS #2564143
01 Purchase loans02 Refinance guidance03 Credit & DTI support04 Realtor partnership
A clear next step
Even if the answer was no.
- 01
Tell us what happened
Bring the questions, the timing, and whatever has made the process feel hard.
- 02
See the full picture
We look beyond one number to help you understand credit, debt-to-income, and loan options.
- 03
Build your path forward
Leave with a practical next move, whether you are ready to apply now or preparing for later.
Support that meets you where you are
Clear guidance for the parts that make people pause.
Mortgage decisions are personal. The work starts with a conversation, not a push.
A plan for debt-to-income challenges
Get a clearer picture of the obligations and income that shape a mortgage decision.
Support that stays with you
Whether the next move is today or later, you deserve a process that stays clear and respectful.
For homeowners
See what your home equity could mean for your next move.
Use the report below to explore your current home equity. Considering a new mortgage? Explore Florida refinance guidance.
For real estate partners
A lending partner who feels like a partner.
Clear communication, practical guidance, and care for the client relationship you have worked hard to earn.
Explore agent partnershipClient feedback
What working with us feels like.
Feedback shared on the Themis Mortgage website.
“Themis explained everything in a way that finally made sense.”
H. Ortiz
“Buying a home never felt possible until we met the team at Themis.”
M. Gainey
“I never felt judged — only supported.”
J. Flores
Themis Mortgage in the news
Community support worth sharing.
Independent coverage of our work with students and schools in Jamaica.
Jamaica Information Service · March 2026
Brampton Primary receives furniture and footballs.
Themis Mortgage donated classroom furniture and sports equipment to support students and teaching staff at Brampton Primary School in Trelawny.
Read the articleJamaica Observer · July 2026
Adelphi Primary’s top achievers receive awards.
Themis Mortgage helped recognise two outstanding Primary Exit Profile students at Adelphi Primary School in St James.
Read the articleMore than mortgages
Every closing can reach beyond the closing table.
Themis Mortgage believes business can be a force for good. Our purpose is to promote fairness and equality throughout the homeownership journey.
See our impactFrequently asked questions
Start with the questions that are on your mind.
Yes. Themis starts with a conversation about your goals, timing, and concerns so you can understand your next step before beginning an application.
A previous denial does not automatically decide what comes next. Themis can help you review the full picture and build a realistic plan around the factors affecting your file.
Yes. Themis works with real estate partners who want clear communication and respectful support for their clients throughout the mortgage process.
Themis Mortgage publishes guidance for borrowers and real estate partners across Florida, including Miami-Dade, Broward, Palm Beach, Orange, and Osceola Counties.
Ready to take the next step?
Talk through your goals with no pressure, no jargon, and no judgment.