Signature Capital Mortgage · empowered by Loan Factory, Inc.
Jumbo · Physician · DSCR / Investor · Bank Statement · Commercial
In the mortgage business since 2000 · hundreds of wholesale lenders · based in Wellington, serving all of Florida
Banks work for shareholders. I work for you. Here's the difference.
Access to hundreds of wholesale lenders means I can shop a large part of the market for you — not just one bank's products. If a program exists, there is a good chance I can place it.
As a broker, I price your loan through wholesale lenders instead of one bank's retail rate sheet. Wholesale pricing is often — not always — more competitive, and you'll see the real numbers on a Loan Estimate before you commit to anything.
You'll work directly with me — not a call center. I'm your advocate from application to closing, available when you need me.
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Calculator figures are estimates only and are not a quote or a commitment to lend.
Jason's focus areas first — jumbo, physician, investor and self-employed financing — plus the core programs.
Loan amounts above the 2026 conforming limit ($832,750 in most Florida counties) for Wellington equestrian estates, waterfront and luxury homes.
Learn More →Programs built for MDs, DOs, dentists, residents and fellows: low down payments, flexible student-loan treatment, qualify on a signed contract.
Learn More →Qualify based on rental income, not personal income. No tax returns. Built for investors.
Learn More →12–24 months of bank statements instead of tax returns for self-employed borrowers; 1099, P&L-only, asset-depletion and foreign-national options.
Learn More →Traditional financing with as little as 3% down. Great rates for strong credit profiles.
Learn More →Government-backed with 3.5% down and flexible credit requirements. Perfect for first-time buyers.
Learn More →Based in Wellington, serving Palm Beach County and all of Florida — by video meeting or in person at your location.
Wellington's equestrian estates, Palm Beach Gardens, Jupiter, Boca Raton and the coastal corridor routinely price above the conforming limit. I compare jumbo pricing, reserve requirements and documentation options across many lenders, including asset-based and bank-statement jumbo programs for business owners. Jumbo loans →
Residents, fellows and attendings relocating to South Florida's hospital systems can often close on a signed employment contract with a low down payment and no monthly mortgage insurance. Doctor loans →
DSCR loans qualify on the property's rent instead of your tax returns, close in an LLC, and work for long-term and short-term rentals across Florida. DSCR loans → · Investor financing →
Bank-statement, 1099, P&L-only and asset-depletion programs for borrowers whose tax returns understate real income. Bank statement & non-QM →
Mixed-use, multifamily, owner-occupied and investor commercial real estate. Recent Google reviews describe commercial purchases that closed on tight deadlines. Ask about your scenario →
HOA and equestrian-community considerations, condo questionnaires, windstorm and flood insurance budgeting, and homestead planning all affect what you can borrow. Wellington mortgage guide →
"Always going the extra mile for your smile"
With over 25 years in the mortgage industry, I've helped thousands of families achieve their homeownership dreams. I started in the business in 2000 and by 2003, I opened my own mortgage company with 85+ employees.
Today I originate under the Signature Capital Mortgage brand as a Senior Loan Originator with Loan Factory, Inc. (NMLS #320841), with access to hundreds of wholesale lenders — meaning I can shop for the rate and program that fit your situation. I chose Loan Factory because my clients deserve choices, not a one-size-fits-all approach.
Verbatim excerpts from public Google reviews
"Two other brokers nearly cost me my commercial deal and I was running out of time and hope until a colleague recommended Jason Walters. He stepped in and immediately took control of the situation with confidence, experience, and precision. His expertise quite literally saved my business transaction."
"Jason Walters was absolutely outstanding. He helped us save a lot of time and money with a very smart and efficient strategy, and guided us through the entire process with clarity and confidence. Everything was handled faster than we expected, and the structure of the loan made perfect sense for our situation."
"Jason is phenomenal. I highly recommend him. He streamlined and simplified a complicated process and made my re-fi/HELOC easy to navigate. Most importantly, he accomplished for me what I was unable to do on my own."
"My husband and I bought our new home through Jason and the process was straightforward and easy. Jason is professional and knowledgeable in his field of work which made our purchase a success. We are grateful for your assistance and will definitely use your services again."
Quotes are verbatim excerpts from public Google reviews of "Loan Factory: Jason Neil Walters" (5.0 average, 23 reviews as of October 2026). Read all Google reviews →
Let's talk about your goals. No pressure, no obligation — just straight answers from someone who's been doing this since 2000. Already have a Loan Estimate from another lender? Bring it to the call and I'll compare it line by line.