01 / HOME PURCHASES
Make the move with confidence.
From your first home to your next one, I'll help you make sense of financing choices, down payments, and the path from preapproval to closing.
Let's discuss your purchase FLORIDA MORTGAGE GUIDANCE, MADE PERSONAL
A better way to feel at home.
Buying, refinancing, or just exploring what's possible? I'm Schaine Harris, and I'm here to help you navigate your mortgage with clarity, confidence, and a plan that makes sense for you.
Schaine Harris
Sr. Mortgage Loan Advisor · NMLS #1124936
PROUDLY WITH
WHAT I CAN HELP WITH
Different goals. One clear path forward.
There's no one-size-fits-all mortgage. Let's find the option that fits your next move.
02 / REFINANCING
See what's possible with your home.
Considering a refinance? We'll look at your goals and the numbers together to understand whether a new loan could make sense for your situation.
Explore the calculator03 / PROGRAM OPTIONS
More options than you might expect.
We'll review what's available and what you may qualify for, including:
- First-time homebuyer programs
- Down payment assistance
- FHA, VA & USDA loans
- Conventional loans
- Bank statement & self-employed options
- Investor financing
Availability and eligibility vary by program and borrower.
Ask about your options
Since 2004Mortgage experience
A LITTLE ABOUT ME
Your home journey deserves a real person in your corner.
I've worked in the mortgage business since 2004, helping Florida homebuyers and homeowners understand their options and move forward with confidence.
I especially enjoy helping first-time buyers, and I'm comfortable working through less straightforward scenarios—self-employed income, unique properties, credit challenges, and tight timelines. Every situation is different, so I focus on practical next steps and communication you can count on.
Have a question? Reach out. I'm typically available seven days a week by phone, text, or email.
Get in touchPLAN WITH CLARITY
Mortgage payment calculator.
Adjust the numbers to explore an estimated monthly payment. No account needed.
YOUR ESTIMATED MONTHLY PAYMENT
$0
Includes principal, interest, and any entered expenses.
Principal & interest$0
Property taxes$0
Home insurance$0
HOA$0
Estimated PMI$0
Illustration only—not a rate quote, loan offer, or approval. Actual taxes, insurance, PMI, and program requirements will vary. Some loan types have additional fees not calculated here.
Ready for the next step? Apply onlineLET'S CONNECT
Big plans start with a conversation.
Not sure where to start? That's exactly what I'm here for. Reach out by phone, text, or email, and let's talk about your goals.
Call or text meGet in touch
PHONE / TEXT(863) 640-3932 EMAILsimpleloanguy@gmail.comLENDINGHOUSE OFFICE777 Brickell Ave, Suite 500Miami, FL 33131
Company NMLS #1929318