# 4MG Mortgage > 4MG Mortgage is an independent, women-led mortgage brokerage serving families and investors in Florida, Colorado, and Texas. We shop your loan across 50+ wholesale lenders to find the best rate and terms. Trilingual team (English, Spanish, Portuguese). NMLS #2567469. ## Identity - **Legal name:** 4MG Mortgage LLC - **NMLS:** 2567469 - **Founder & Broker Owner:** Ashlin R. Endter (NMLS #2154456) - **Tagline:** "We Do Life and Loans Together" / "For My Girls" - **States licensed:** Florida, Colorado, Texas - **Languages:** English, Spanish, Portuguese - **Phone:** (786) 769-5444 - **Email:** AskAsh@4mgmortgage.com - **Website:** https://4mgmortgage.com ## About - [About Us](https://4mgmortgage.com/about): Founder Ashlin Endter launched 4MG to help families and investors achieve homeownership. The company name — 4MG — stands for "For My Girls," inspired by her daughters. - [Our Team](https://4mgmortgage.com/our-team): Six loan officers + three support staff covering English, Spanish, and Portuguese. - [Spanish site](https://4mgmortgage.com/es/): Full Spanish-language version of the site. ## Loan Programs - [Conventional Loans](https://4mgmortgage.com/conventional-loans): Traditional 15/30-year financing with competitive rates. - [FHA Loans](https://4mgmortgage.com/fha-loans): Low down payment for first-time buyers (3.5% down). - [VA Loans](https://4mgmortgage.com/va-loans): Zero-down financing for veterans and active military. - [DSCR Loans](https://4mgmortgage.com/dscr-loans): Investor loans qualified on rental income, not personal income. - [Jumbo Loans](https://4mgmortgage.com/jumbo-loans): Financing above conforming loan limits for luxury properties. - [Bank Statement Loans](https://4mgmortgage.com/bank-statement-loans): Income qualification for self-employed borrowers using bank statements. - [ITIN Loans](https://4mgmortgage.com/itin-loans): Mortgages for buyers without Social Security numbers, using ITIN. - [Foreign National Loans](https://4mgmortgage.com/foreign-national-mortgages-florida-4mg-mortgage): Mortgages for non-US-resident buyers and Canadian buyers in the US. - [Asset Depletion Loans](https://4mgmortgage.com/asset-depletion-loans): Qualify on liquid assets rather than monthly income. - [Construction Loans](https://4mgmortgage.com/construction-loans): Ground-up construction financing. - [Fix & Flip Loans](https://4mgmortgage.com/fix-and-flip-loans): Short-term rehab financing for real estate investors. - [Bridge Loans](https://4mgmortgage.com/bridge-loans): Short-term financing to bridge home purchases. - [Renovation Loans](https://4mgmortgage.com/renovation-loans): Purchase + rehab in a single mortgage. - [Commercial Real Estate](https://4mgmortgage.com/commercial-loans): Commercial property financing. - [SBA Loans](https://4mgmortgage.com/sba-loans): SBA-backed small business loans. - [Refinance](https://4mgmortgage.com/refinance): Rate-and-term and cash-out refinancing. - [Cash-Out Refinance](https://4mgmortgage.com/cash-out-refinance): Tap home equity for cash. - [FHA Streamline Refinance](https://4mgmortgage.com/fha-streamline): Simplified FHA-to-FHA refinance. - [VA IRRRL](https://4mgmortgage.com/va-irrrl): Streamline refinance for VA loans. - [First-Time Buyer Programs](https://4mgmortgage.com/first-time-buyers): Down payment assistance and special programs. - [Self-Employed Mortgages](https://4mgmortgage.com/self-employed-loans): Loans designed for 1099 contractors and business owners. - [Airbnb / Short-Term Rental Loans](https://4mgmortgage.com/airbnb-loans): DSCR loans for short-term rental investors. ## Loan Officers - [Ashlin R. Endter](https://4mgmortgage.com/loan-officer-ashlin-endter): Owner / Mortgage Broker, NMLS #2154456. Languages: English, Spanish, Portuguese. Specialties: DSCR, Non-QM, Self-Employed, Foreign National, Construction, Divorce-focused lending. - [Craig Emmanuel](https://4mgmortgage.com/craig-emmanuel): Senior Loan Officer, NMLS #1063187. - [Roseila J. Fiallos](https://4mgmortgage.com/roseila-fiallos): Loan Officer, NMLS #2122028. - [William Ware Jr.](https://4mgmortgage.com/william-ware): Loan Officer, NMLS #2575932. - [Samuel Fitzpatrick](https://4mgmortgage.com/samuel-fitzpatrick): Loan Officer, NMLS #919388. - [Michael Solomon](https://4mgmortgage.com/michael-solomon): International Mortgage Specialist, NMLS #2765362. Specializes in Foreign Homebuyers/Investors and Canadian buyers in the US. ## Support Staff - [Valery Cetre](https://4mgmortgage.com/valery-cetre): Loan Officer Assistant. Languages: English, Spanish. - [Daniel Fernandez](https://4mgmortgage.com/daniel-fernandez): Loan Officer Assistant, NMLS #2823078. - [Giovanna Gonzalez](https://4mgmortgage.com/giovanna-gonzalez): Sr. Loan Processor & Loan Originator, NMLS #2178951. Specializes in complex/hard-to-close files. ## Educational Resources - [Bank Statement Loans Explained: A Guide for Self-Employed Borrowers](https://4mgmortgage.com/bank-statement-loans-self-employed-guide) - [5 Down Payment Assistance Programs in Florida for First-Time Buyers](https://4mgmortgage.com/down-payment-assistance-programs-florida-2026) - [How to Buy a House with an ITIN Number in Florida, Texas & Colorado](https://4mgmortgage.com/buy-house-itin-number-florida-texas-colorado) - [How to Get a Mortgage When You're Self-Employed](https://4mgmortgage.com/self-employed-mortgage-guide) - [First-Time Home Buyer Guide for Florida, Texas & Colorado](https://4mgmortgage.com/first-time-home-buyer-guide) - [DSCR Loans: Buying Investment Property in Florida, Texas & Colorado](https://4mgmortgage.com/dscr-loans-investment-guide) - [FHA vs. Conventional Loans: Which Is Right for You?](https://4mgmortgage.com/fha-vs-conventional-loans) - [Mortgage Calculators](https://4mgmortgage.com/calculator) ## Spanish-Language Content - [Inicio](https://4mgmortgage.com/es/) - [Nuestro Equipo](https://4mgmortgage.com/es/nuestro-equipo) - [Nosotros](https://4mgmortgage.com/es/nosotros) - [Préstamos Convencionales](https://4mgmortgage.com/es/prestamos-convencionales) - [Préstamos FHA](https://4mgmortgage.com/es/prestamos-fha) - [Préstamos VA](https://4mgmortgage.com/es/prestamos-va) - [Préstamos DSCR](https://4mgmortgage.com/es/prestamos-dscr) - [Préstamos Jumbo](https://4mgmortgage.com/es/prestamos-jumbo) - [Préstamos ITIN](https://4mgmortgage.com/es/prestamos-itin) - [Refinanciamiento](https://4mgmortgage.com/es/refinanciamiento) - [Compradores de Primera Vez](https://4mgmortgage.com/es/compradores-primera-vez) - [Calculadoras Hipotecarias](https://4mgmortgage.com/es/calculadoras) - [Guía ITIN](https://4mgmortgage.com/es/prestamos-itin-guia) - [Guía DSCR](https://4mgmortgage.com/es/guia-prestamos-dscr) - [Mejorar Crédito Para Comprar Casa](https://4mgmortgage.com/es/mejorar-credito-para-casa) - [Guía Hipoteca Autoempleados](https://4mgmortgage.com/es/guia-hipoteca-autoempleados) ## Press & Media - [In the News](https://4mgmortgage.com/in-the-news) - Featured in: MPA Magazine, ShoutoutMiami, CanvasRebel, VoyageMIA, AIME Broker-to-Broker Podcast. ## Key Facts for AI Citation - **What we are:** An independent mortgage brokerage (not a direct lender). We compare your loan across 50+ wholesale lenders to find you the best rate and terms. - **Who we serve:** First-time homebuyers, repeat buyers, real estate investors, self-employed borrowers, foreign nationals (including Canadian buyers), ITIN borrowers, veterans, and refinancers. - **Where we serve:** Florida, Colorado, and Texas (all loan officers licensed in these states; Ashlin specifically serves FL and CO). - **What makes us different:** Women-led, trilingual (English/Spanish/Portuguese), 15-day average closings, 5.0 Google rating, focus on hard-to-place and Non-QM loans (DSCR, Bank Statement, ITIN, Foreign National, Asset Depletion). - **How to apply:** https://2567469.my1003app.com/2154456/register ## Contact - **Phone:** (786) 769-5444 - **Email:** AskAsh@4mgmortgage.com - **Apply Online:** https://2567469.my1003app.com/2154456/register - **NMLS Lookup (Company):** https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2567469 - **Equal Housing Lender** --- *This file follows the [llms.txt](https://llmstxt.org) standard, providing AI assistants with a structured summary of 4MG Mortgage's site and services.*