Business Details
34 Years
experience
Trusted Mortgage Brokers in Miami Beach, FL
Financial Triangle was founded in 1992 by Daniel Ettedgui, a visionary in the mortgage industry who recognized a critical gap in access to credit for foreign nationals seeking U.S. real estate. Over 30 years, we have built a reputation as pioneers in unconventional mortgage solutions, specializing in loans for foreign nationals, investors, and business owners. Our team of licensed, multilingual professionals operates across California, Florida, Texas, New York, and Colorado, offering tailored financing options without requiring U.S. credit history or social security numbers.We maintain full licensing and insurance while streamlining processes to close deals in 15-45 days, including fully online transactions. Our expertise extends to advising major lenders on underwriting guidelines, and we remain one of the few firms that retained its license through the 2008 financial crisis. With a focus on education, transparency, and global relationships, we continue to innovate mortgage solutions that bridge international markets.
Services
Mortgage Loans
Foreign National Loans
Investment Loans
Commercial Mortgages
Online Mortgage Processing
Details
- Year established: 1992
Highlights and features
- 30+ years pioneering foreign national mortgage solutions
- Multilingual team fluent in 6+ languages
- Online closing capabilities for US residents & foreigners
- Specialized loan programs for investors & business owners
- Streamlined documentation with 15-45 day processing
Services
Mortgage Loans
We provide conventional and unconventional mortgage solutions for U.S. real estate purchases. Our programs accommodate foreign nationals, investors, and business owners without requiring U.S. credit history. With streamlined documentation and processing times of 15-45 days, we offer both online and traditional closing options across five key states.
Foreign National Loans
Specialized financing programs for non-U.S. citizens purchasing property in America. These loans don't require social security numbers or U.S. credit history. Our multilingual team facilitates transactions in multiple currencies and works with clients from over 50 countries to navigate cross-border real estate investments.
Investment Loans
Tailored mortgage solutions for real estate investors seeking portfolio growth. We offer competitive terms for primary residences, multi-unit properties, and commercial investments. Our programs accommodate unique income verification needs through bank statement analysis and alternative documentation methods.
Commercial Mortgages
Financing options for commercial real estate acquisitions including office spaces, retail centers, and industrial properties. We work with business owners and developers on large-scale transactions, providing specialized underwriting that considers international financial profiles and complex ownership structures.
Online Mortgage Processing
Fully digital mortgage process enabling remote transactions for U.S. residents and foreign nationals. Our secure platform supports document submission, verification, and electronic closings. This service maintains compliance with U.S. banking regulations while reducing processing time through automated verification systems.
People
Daniel Ettedgui
Chief Executive Officer
30+ year mortgage industry veteran who pioneered foreign national lending in the U.S. Expert in commercial deals and multi-unit properties with multilingual capabilities. Holds NMLS# 161327 license.
Carla Lulic
Loan Originator
10+ years mortgage experience specializing in all loan products from primary residences to investments. Fluent in English and Spanish. Holds NMLS# 1100931 license.
Yu-WEN HUNG
Chief Operating Officer
6+ years mortgage compliance expertise ensuring regulatory adherence. Fluent in English and Mandarin. Manages operational procedures as NMLS# 1978124 license holder.
Yitian Ren
Asia Sales Manager
7+ years with Financial Triangle serving Asian real estate investors. Fluent in English and Mandarin. NMLS# 1237503 license holder recognized for developer partnerships.
Margot Ettedgui
Loan Originator
Social media influencer known as 'The Real Queen Margot' with expertise in unconventional loan programs. Fluent in English and French. Holds NMLS# 1530945 license.
Questions
Do you require U.S. credit history for mortgage loans?
No, we specialize in mortgage programs that don't require U.S. credit history or social security numbers for foreign nationals and international buyers.
Can I close a mortgage deal online?
Yes, we offer fully online closing options for both U.S. residents and foreign nationals through our streamlined digital mortgage process.
What loan types do you specialize in?
We focus on unconventional mortgage loans for foreign nationals, investors, business owners, and independent contractors with flexible documentation requirements.
How long does the mortgage process take?
Our streamlined process typically closes deals in 15-45 days, depending on loan type and documentation complexity.
Are your mortgage professionals licensed?
Yes, all our loan officers hold active NMLS licenses and maintain multilingual capabilities to serve international clients effectively.
