VanDyk Mortgage
Maria Donizetti Loan Originator
Maria Donizetti | Florida Mortgage Professional for Complex & Non-Traditional Loans
Most people don’t fit into a perfect lending box—and they shouldn’t have to.
With over 30 years of experience, Maria Donizetti helps homebuyers, homeowners, and real estate investors secure financing when traditional lenders fall short. If your income isn’t straightforward, your situation is unique, or you’ve been told “no” before, this is where a different approach begins.
Mortgage Solutions for Florida Homebuyers, Investors & Homeowners
If you’re searching for a trusted mortgage lender in Florida, Maria Donizetti with VanDyk Mortgage Corporation offers a wide range of home loan options designed to meet both traditional and non-traditional borrower needs.
VanDyk Mortgage is a direct lender offering FHA, VA, Conventional, and USDA loans, along with access to national, state, and local down payment assistance programs. These options help first-time homebuyers, repeat buyers, and real estate investors explore flexible paths to homeownership.
Turned Down Before? Start Here.
Getting deals done that other lenders can’t.
Not every borrower fits standard lending guidelines. Maria Donizetti specializes in Non-QM (non-qualified mortgage) and portfolio loan solutions designed for:
- Self-employed borrowers
- Business owners
- Real estate investors
- Borrowers with complex income or credit scenarios
Through VanDyk Mortgage’s in-house and partner portfolio lending platforms, Maria can structure loan solutions using alternative documentation and flexible underwriting guidelines designed to accommodate real-life financial scenarios.
Get a Clear Answer—Fast
If you're not sure what you qualify for, do not guess.
Call, text, or email Maria directly to talk through your situation—even if you have been told no before.
Call or Text: (727) 560-1619
Email: mariad@vandykmortgage.com
Most responses happen quickly, so you are not left waiting or guessing.
Reverse Mortgage Specialist (Age 62+)
Maria also helps eligible homeowners explore reverse mortgage options.
A reverse mortgage allows qualified borrowers aged 62 and older to convert a portion of their home equity into cash without required monthly mortgage payments, as long as loan obligations are met. Funds may be received as a lump sum, line of credit, or monthly payments.
Maria provides clear guidance on reverse mortgage requirements, benefits, and responsibilities so clients can make informed financial decisions.
Non-QM & Alternative Loan Solutions (Built for Real-Life Scenarios)
Not every borrower fits traditional lending guidelines, and that is where Non-QM and alternative loan programs come in.
Maria Donizetti offers a range of flexible financing options designed to help clients qualify using real financial strength, alternative documentation, or property performance.
Loan Options Include:
- Bank Statement Loans – For self-employed borrowers using personal or business bank deposits (typically 12–24 months) to verify income instead of tax returns.
- 1099-Only Loans – For independent contractors or gig workers qualifying with 1099 forms instead of full tax returns.
- Asset Depletion Loans – Uses a borrower’s liquid assets, such as savings, investments, or retirement accounts, to calculate qualifying income without traditional employment.
- Debt Service Coverage Ratio (DSCR) Loans – For real estate investors qualifying based on rental property cash flow, not personal income.
- Interest-Only Loans – Offers lower monthly payments during the interest-only period and may be used by high-net-worth or investment-focused borrowers.
- Recent Credit Event Loans – Designed for borrowers with recent bankruptcies, foreclosures, short sales, or mortgage late payments, subject to program guidelines.
- ITIN Loans – For borrowers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number.
- Foreign National Loans – For non-resident borrowers purchasing U.S. property without U.S. income or credit history.
- No-Ratio Loans – No income or employment documentation required. Qualification is based on credit profile, down payment, and available reserves.
- WVOE (Written Verification of Employment) Only Loans – For wage earners who can qualify using a written verification from their employer without providing pay stubs or tax returns.
- Blanket Loans – Used by real estate investors to finance multiple properties under a single loan, simplifying portfolio management.
- Bridge Loans – Short-term financing that allows a borrower to purchase a new property before selling their current one, often used to avoid contingent offers.
Program availability and qualification requirements vary. All loans are subject to underwriting approval.
Florida Down Payment Assistance Programs
Maria works with eligible buyers to explore programs that may help reduce upfront costs, including:
- Florida Housing Programs
- Hometown Heroes Program (up to 5% assistance, subject to guidelines and availability)
- Deferred and low-interest second mortgage options
Programs may include income limits, purchase price caps, and homebuyer education requirements.
Traditional Mortgage Loan Programs
- FHA Loans
- VA Loans
- Conventional Loans
- USDA Rural Housing Loans
Why Clients Choose Maria Donizetti
- Over 30 years of mortgage experience
- Specialized in Non-QM and alternative financing solutions
- Experience with Florida down payment assistance programs
- Known for solving complex loan scenarios
- Strategic guidance, not just pre-approvals
- Clear, consistent communication throughout the process
Let’s Talk About Your Situation
Whether you are buying, refinancing, investing, or exploring your options, Maria Donizetti can help you take the next step with clarity and confidence.
Call or Text: (727) 560-1619
Email: mariad@vandykmortgage.com