Welcome to Octopus Financial Group LLC

Mortgages, taxes, and financing designed for your financial reality

We help residents buy homes, finance businesses, and prepare their taxes — even when traditional paths aren’t an option.

OUR APPROACH

Real Financial Solutions
Built Around You

At Octopus Financial Group, we know that no two financial situations are the same.
That’s why we focus on clear guidance, flexible options, and practical solutions designed to help you move forward with confidence.

Agility

Start your process and receive clear guidance in less time.
Fewer delays, smoother progress, and a more efficient path to closing.

Transparency

We explain every step with no fine print or surprises.
Clear information, real options, and honest guidance from day one.

Savings

We structure solutions that protect your investment.
You pay what makes sense and maximize your financial capacity.

Products

Conventional Loans

An ideal option for buyers with stable income and a strong financial profile. They offer competitive rates and down payment options starting at 3% for those who qualify.

FHA Loans

Designed for buyers seeking greater flexibility. They allow a low down payment of 3.5% and more flexible credit requirements, backed by the federal government.

Jumbo Loans

Solutions for high-value properties that exceed conventional loan limits, with competitive options based on the borrower’s financial profile.

DSCR Loans

Financing tailored for investment properties, rentals, and real estate portfolios.

Bank Statement Loans

An alternative for self-employed individuals and business owners. Uses bank statements instead of traditional tax returns. Down payments start at 10%.

Refinancing

Options to lower your interest rate, adjust your loan term, or access your home’s equity based on your financial situation.

Home Equity Line of Credit

Flexible access to your home’s equity for projects, renovations, or financial planning.

100% Financed

Programs with 0% down payment when purchasing a property.
We also offer a 1% down program, and we help cover the remaining 2% through lender credits.

Other Non-Conforming Loans

Financing options for non-traditional financial profiles, using P&L, VOE, or VOA for qualification. Ideal for business owners, investors, and clients with complex income structures.

Our Experts

Jorge Ruiz

Loan Officer Expert

Frank Castro Fernandez

Tax Expert

Beatriz Bermudez

Insurance Agent

What others are saying

“I worked with Jorge for my taxes this year, and I couldn’t be happier! Super professional, quick, and they made sure to answer every question I had. The whole process was smooth and felt really personalized. Plus, they gave me awesome advice on managing my photography business.”

- Close Your Eyes Photo.

“Excellent service, one hundred percent recommended, Great customer service.”

- Victor Hernández.

“No surprises, no pressure. Just clear information and a team that truly cared about helping me make the right decision.”

- Michael R.

STILL NOT SURE?

Frequently Asked Questions

How long does the pre-approval process take?

In most cases, pre-approvals are completed within 24 hours, and often even the same day. The initial online form is quick and typically takes only a few minutes to complete.

What information or documents will I need?

Required documents vary depending on your situation, but commonly include proof of income, W-2 forms or financial statements, bank statements, and a valid ID. Our team will guide you on exactly what is needed based on your profile.

Is there a fee to get pre-approved?

There is no fee to start the pre-approval process. We believe in transparency from the beginning and in providing clear information before you make any decisions.

What credit score is required to qualify?

Credit score requirements depend on the loan program. Some options offer more flexibility, while others require higher credit scores. We review your situation to identify the program that best fits your needs.