— Residential Lending & Commercial Capital

From Our Roots,
You Grow.

APPLY NOW

— HOME LOANS

Your path to homeownership,
made clear.

From first-time buyers and veterans to self-employed borrowers, we help you understand the options that may fit your situation. No credit pull to start. No pressure—just clear guidance from a loan officer who answers the phone. Eligibility varies by borrower, property, program, and lender.

LOAN PROGRAMS

— RESIDENTIAL EXPERIENCE

As of 2026

$250M+

Mortgage Volume

1,200+

Loans Closed

400+

Families Served

75+

Residential Lenders

— NOT SURE WHERE YOU FIT?

You don't need to choose the right loan before talking to us.

Tell us where you are and what you're trying to accomplish. We'll help you understand the options that may fit—without a credit pull or obligation to start.

Apply Now

305-469-1215 · info@hglending.com

— COMMERCIAL CAPITAL ADVISORY

Institutional access.
Entrepreneurial tempo.

Homegrown Capital Group sources, structures, and closes commercial debt and equity for sponsors across Florida and beyond. With 200+ active lender relationships and no institutional conflicts, Ruy delivers independent counsel and typical indicative terms—often within 48 hours when sufficient transaction details are provided—from ground-up construction to time-sensitive closings.

01CONSTRUCTION & DEVELOPMENT

Condo Construction

For-sale residential construction financing

Land Loans

Acquisition & predevelopment capital

Multifamily Development

Ground-up construction debt & JV equity

02BRIDGE & VALUE-ADD

Investment-Property Bridge

Short-term capital for value-add plays

Multifamily Bridge

Acquisition & recapitalization financing

Time-Sensitive Closings

Bridge & rescue capital when speed is the deal

03STRUCTURED CAPITAL

Office & Workplace

Senior debt for modern office investments

Commercial Real Estate

Debt across all major asset classes

Structured & Custom

Bespoke capital stack solutions

— COMMERCIAL EXPERIENCE

As of 2026

$1B+

Capital Advised

$500M+

Capital Placed

150+

Transactions Closed

200+

Commercial Lenders

— HAVE A DEAL IN MIND?

You don't need a finished package to start.

Share what you know—asset type, capital need, timing, and business plan. We can begin with the outline, help identify the right next step, and tell you what is needed to move forward.

— THE PROCESS

One conversation.A world of options.

Residential or commercial, every engagement begins with a direct conversation, a clear assessment, and an accountable next step.

FOR HOME BUYERS

01

Speak with a Trusted Mortgage Advisor.

No credit pull. No obligation. Just clarity.

Tell us your goals, timeline, and what matters most. A loan officer will help identify the information needed before you begin the application process.

02

Apply

A simple application, on your time.

Once we understand your goals, you'll complete a secure application with the documents your loan officer requests. No guesswork — we tell you exactly what's needed and why, so your file is ready for review from day one.

03

Review Your Options

Every program explained in plain language.

We compare suitable programs side by side and explain how each may affect payment, cash needed, and timing.

04

Close With Confidence

One advisor, start to finish.

Your loan officer stays involved through documentation, underwriting updates, and closing.

FOR COMMERCIAL SPONSORS

01

Submit Your Deal

The more context, the faster we move.

Share the asset, capital need, timeline, and business plan so we can assess the transaction and identify suitable capital sources.

02

Receive Indicative Terms

A clear read on structure and next steps.

We use our lender network to evaluate leverage, pricing, and potential execution paths—not just provide a generic teaser.

03

Structured & Placed

Principal-led execution, no handoffs.

We structure the capital stack, approach suitable counterparties, and stay engaged through diligence and closing.

04

Closed & Engaged

The relationship continues after funding.

Funding isn't the finish line. Ruy stays engaged post-close — for refinances, follow-on capital, or the next deal — so you're working with the same direct line, not starting over with someone new.

— OUR STORY

Grown here. Built for here.

Homegrown Capital Group was founded by lifelong friends and industry leaders Ruy Rodriguez and Robert Rodriguez. With complementary expertise in commercial and residential lending, they established a brokerage designed to deliver strategic, relationship-driven financing solutions.

Ruy's 15+ years as a real estate investor and commercial lending professional provide clients with a unique dual-perspective approach to structuring complex transactions. Robert's decade of mortgage banking experience and national recognition as a top originator ensure clients receive tailored, high-quality residential financing guidance.

Together, they built Homegrown Capital Group to bridge the gap between borrowers and lenders through transparency, expertise, and a commitment to long-term client success.

From Our Roots, You Grow.
Ruy Rodriguez

— FOUNDING PARTNER & MANAGING DIRECTOR, COMMERCIAL LENDING

Ruy Rodriguez

I came here with nothing but the belief that this place could become home. It did. Now I help others plant their roots here too.

Ruy Rodriguez is a Founding Partner and Managing Director of Commercial Lending at Homegrown Capital Group. He was five when his family came from Cuba to South Florida with little more than hope and the belief that hard work could create a better future—a perspective that still shapes how he approaches business and opportunity.

Long before he arranged his first loan, he was a real estate investor. For more than 15 years, he has acquired and repositioned distressed properties across South Florida, learning firsthand how to identify opportunities, secure financing, and create value. That experience now informs how he structures acquisitions, construction, bridge loans, refinances, and other commercial real estate financings for investors, developers, and business owners.

Active investing also built deep relationships across South Florida's real estate and lending community—connections that go well beyond a typical broker-lender dynamic. Having sat on both sides of the table, he understands what borrowers need and what lenders require.

NMLS #2690868

Commercial LendingReal Estate InvestmentBridge & ConstructionSouth Florida Capital
Robert Rodriguez

— FOUNDING PARTNER & MANAGING DIRECTOR, RESIDENTIAL LENDING

Robert Rodriguez

My mission is to make the mortgage process seamless, strategic, and personalized while serving as a trusted financial advisor long after the closing table.

Robert Rodriguez is a Founding Partner and Managing Director of Residential Lending at Homegrown Capital Group. With more than a decade in finance and mortgage banking, he has helped individuals, families, and investors pursue homeownership and wealth-building goals through strategic financing solutions.

Born in Alquízar, Cuba, Robert immigrated with his family in the mid-1990s. After graduating from Hialeah Senior High School, he earned a Bachelor's degree in Business Administration from St. Thomas University and built experience across depository institutions and private mortgage firms before co-founding Homegrown.

He delivers a personalized, consultative approach across conventional, government-backed, jumbo, and non-traditional programs—whether the client is a first-time buyer, move-up borrower, self-employed client, or investor. As a Founding Partner, he has built Homegrown's residential division on integrity, transparency, and exceptional client service—a standard that has earned the trust of homebuyers, Realtors, builders, and referral partners throughout Florida.

NMLS #1093314

Residential LendingScotsman Guide Top Originator (2024–2026)Top 1% Mortgage Brokers (2025–2026)NAHREP Top 250

— CONTACT US

Let's discuss
your transaction.

Every engagement begins with a confidential conversation. Reach us directly, or tell us whether you're exploring a home loan or a commercial deal.

OFFICEFort Lauderdale, Florida