THE SHAWN K MILLER TEAM

Shawn K. Miller, Branch Manager and Non-QM Portfolio Loan Specialist, helps borrowers who don’t fit traditional mortgage guidelines. Whether you’re self-employed, an investor, or rebuilding credit, Shawn offers flexible mortgage programs that may not be available through standard banks. Using VanDyk’s in-house portfolio lending platform, he creates custom loan solutions tailored to real-world situations, often keeping loans on VanDyk’s balance sheet for maximum flexibility.

Shawn has been ranked in the Top 1% of mortgage originators nationwide since 2011, and in 2018 became the first member of his branch to earn VanDyk’s President’s Club honor. He and his team are committed to fast, professional service and guiding every client toward successful homeownership.

Specialized Mortgage Programs in Tampa, FL:

• Bank Statement Loans Tampa – Qualify using 12–24 months of business or personal bank deposits instead of tax returns.
• 1099-Only Mortgage Loans – For contractors and gig workers who receive 1099 forms.
• Asset Depletion Loans – Convert savings, investments, or retirement funds into qualifying income.
• DSCR Investor Loans (Debt Service Coverage Ratio) – Qualify based on rental property cash flow, not personal income.
• Interest-Only Mortgage Loans – Lower monthly payments during the interest-only period.
• Recent Credit Event Loans – Options for borrowers with a bankruptcy, foreclosure, short sale, or mortgage late payments.
• ITIN Mortgage Loans – For borrowers who use an Individual Taxpayer Identification Number.
• Foreign National Loans – Purchase U.S. property without U.S. income or credit history.
• No-Ratio Loans – No income or employment documentation required—approval based on credit, assets, and down payment.
• WVOE-Only Loans (Written Verification of Employment) – Qualify with employer verification only, no pay stubs or tax returns.
• Blanket Loans & Bridge Loans – Finance multiple properties, buy before you sell, or simplify portfolio management.
• Physician Loans (Doctor Loans) – Designed for medical professionals, these programs may offer up to 100% financing with no private mortgage insurance (PMI) required in certain cases, along with flexible underwriting for student loan debt and early-career income.

Florida Housing Down Payment Assistance Programs:

• Florida Housing Programs – State-backed options that may help eligible buyers with down payment and closing costs.
• Hometown Heroes Program – Offers up to 5% of the loan amount in assistance for eligible Florida workforce professionals (subject to program guidelines and funding availability).
• Flexible Assistance Options – Includes deferred and low-interest second mortgage programs designed to reduce out-of-pocket costs.
• Designed for Florida Buyers – Available to eligible first-time and repeat buyers, with income limits and homebuyer education requirements.

Why Work with Shawn Miller at VanDyk Mortgage Corporation?

• Local Tampa Expertise, Proven Results – Serving Tampa Bay with over a decade of experience, consistently recognized among the top 1% of mortgage originators nationwide.
• Bring the Deals Others Can’t Get Done – Specializing in Non-QM, portfolio lending, and flexible solutions for self-employed borrowers, investors, and complex financing scenarios.
• Florida Housing Approved Lender – Experienced in Florida Housing and Hometown Heroes programs, helping eligible buyers navigate down payment assistance opportunities.
• Strategic Guidance, Not Just Pre-Approvals – Helping clients structure stronger offers, improve credit positioning, and prepare for successful homeownership.
• Responsive, Relationship-Driven Service – Known for clear communication, efficient turn times, and a smooth path to closing.

Ready to Explore Your Loan Options?
Based in Tampa, Florida, Shawn Miller serves homebuyers, investors, and clients with complex financing needs both locally and across multiple states. Whether you’re purchasing your first home, expanding your real estate portfolio, or exploring Non-QM solutions, Shawn and the VanDyk Mortgage Corporation team are here to help. Connect with us to review your options, build the right strategy, and take the next step with confidence.