Send my situationA short note is enoughStart my application
New BuyersFind My Loan quizHome buying guideFirst time buyer benefitsPrequalification vs preapprovalFHA loansVA loansUSDA loansHomeReady and Home PossibleFlorida down payment helpTrue cost of a mortgageCash to closeFlorida homestead exemptionFHA readiness quizConventional or FHA quiz
InvestorsInvestor loans overviewDSCR loansVacation rental loansConventional investment loansHow to calculate DSCRAll calculatorsRental property calculatorDSCR calculatorAirbnb break even calculatorRunning the numbers on a rentalDSCR and alternative financingReal estate investing guidesConstruction loansSelf employed borrowersNon QM loans
Loan ProgramsAll loan programsConventional loansFHA loansVA loansUSDA loansJumbo loansVA vs FHA vs USDAFHA vs conventionalMortgage insurance and feesGift fundsBank statement and alternative incomeVA funding feeVA IRRRL refinanceVA loan denied?Refinance and HELOCCash out refinance requirements
FloridaFlorida guidesCentral Florida marketsFlorida homesteadFHA loan limits by countyUSDA eligible areasCondo financingHome insurance and inspectionsProperty researchTitle and ownershipVeteran property tax benefitsFlorida short term rental rulesVacation rental loansRental taxes and CDD feesRental insurance requirements
LearnHow underwriting worksAutomated underwritingLender overlaysUnderwriting conditionsQualifying for a mortgageRates and pricingDown payment and cashPreapproval to closingOwning your mortgageHome equityQuestions answeredAll guidesCalculators and toolsAbout DaneContact
About DaneA to Z index
Send my situationStart my application
About Dane

Mortgage guidance from someone who invests too.

Real estate investor since 2011. Mortgage broker today. Still buying, building and running the numbers.

I'm Dane Foxworthy, a mortgage broker with Mpire Financial in Orlando. I'm a strong believer in homeownership, and not just because I lend on it. I've lived it. Even today, with higher prices and tighter budgets, I believe owning real estate is still the best path to building wealth and real financial freedom.

I bought my first fourplex in 2011, when the market was still recovering from the crash and loans were hard to get. Easy money wasn't an option, so I learned to grow one property at a time: buy it, fix it up, rent it out, refinance, and do it again. Back then, it was simply the only way forward.

Over the years, that grew into a little bit of everything: single family rentals, multifamily, heavy renovations, construction projects, flips and land. I'm still actively investing today. So when you bring me a deal, I run the numbers the same way I would on my own.

As a broker, I can shop programs from many lenders instead of being tied to one. But the real difference is that I've sat on your side of the closing table more times than most people will in a lifetime. I know what's at stake when you're stretching for a property and need a lender who can actually close.

When I'm not working, you'll find me outdoors with my wife and our two kids, hiking a trail or spending the day at the beach or one of Florida's springs.

If you're thinking about your first home or your next investment, let's talk. Call me or get prequalified, and I'll walk you through your options.

Talk it through with Dane.

You do not need to be ready to apply. Send the property, the question or the plan, and I will tell you what I see.