Homegrown Capital Group

From Our Roots, You Grow.

SCHEDULE A CALL

— HOME LOANS

Your path to homeownership,
made clear.

We work with buyers across every profile — from first-time FHA buyers to veterans using their VA benefit to self-employed buyers who have been turned away elsewhere. No credit pull. No pressure. Just honest guidance from people who answer the phone.

LOAN PROGRAMS

— PROVEN EXPERIENCE

Capital relationships built across Florida.

$0M

Capital Advised

0+

Lender Relationships

0+

Families Served

48hr

Indicative Terms

— 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 indicative terms in 48 hours — 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

— THE PROCESS

A disciplined process,quietly executed.

Whether you're buying your first home or closing a $100M commercial deal, every engagement starts the same way — a single conversation with someone who actually knows your market, knows the lenders, and picks up the phone.

FOR HOME BUYERS

01

Start the Conversation

No credit pull. No obligation. Just clarity.

Tell us about your situation. No credit pull required. A loan officer responds the same day. We start with a short conversation so we understand your timeline, goals, and what matters most before any paperwork.

02

Review Your Options

Every program explained in plain language.

We walk you through matched programs, rates, and a clear path based on your profile. You'll see your options side by side, with plain-language guidance on what each program means for your monthly payment and closing timeline.

03

Close With Confidence

One advisor, start to finish.

A dedicated South Florida loan officer guides you through every step and answers same day. From documentation to underwriting updates, you have one point of contact who knows your file and picks up the phone.

FOR COMMERCIAL SPONSORS

01

Submit Your Deal

The more context, the faster we move.

Share the outline of your transaction — asset type, deal size, timeline, and business plan. The more context you provide upfront, the faster we can route your deal to the right desk and begin structuring.

02

Receive Indicative Terms

Real numbers from real lenders in 48 hours.

We respond within 48 hours with indicative terms from our network of 200+ active lenders. You'll receive a clear read on leverage, pricing, and next steps — not a generic teaser rate.

03

Structured & Placed

Principal-led execution, no handoffs.

We engineer the right capital stack — senior debt, mezzanine, equity — and take it to the right counterparties. Principal-led execution continues through term sheet, diligence, and closing without handoffs between teams.

Every journey begins with a single conversation.

— OUR STORY

Grown here. Built for here.

Homegrown was conceptualized by two lifelong friends who shared a genuine passion for real estate. Rooted from the investor side of the business, they built deep personal relationships with some of the most trusted lenders in the market — and decided to leverage those connections on behalf of their clients.

We don't just find you a loan. We put our personal relationships to work to guarantee you the best possible terms the market has to offer. On the residential side, we created Homegrown because we lived the frustration ourselves — nobody ever sat down with us and clearly explained the different mortgage options available, the benefits of each, or what we truly qualified for.

So we built the company we wished existed — one that treats every client like a priority, walks you through every option available to you, and goes above and beyond to make sure you reach the best possible outcome. Because at Homegrown, your success is our standard.

We lived the frustration
so you never have to.

From Our Roots, You Grow.

Ruy Rodriguez

— FOUNDING PARTNER

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 arrived in South Florida as a child, his family leaving everything behind in Cuba for the promise of something better. South Florida didn't just become where he lived — it became who he is.

Over the past two decades, Ruy has built one of the most trusted names in South Florida lending, working across residential mortgages, commercial capital, and investment property — from first-time FHA buyers finding their footing to seasoned sponsors structuring eight-figure deals.

NMLS #000000

Residential MortgagesCommercial CapitalInvestment Property

— GET IN TOUCH

Let's discuss
your transaction.

Whether you are buying your first home or closing a $100M commercial deal — every engagement begins with a confidential conversation. We respond same day.

PHONE+1 (954) 372-1400
EMAILhello@homegrowncap.com
OFFICEFort Lauderdale, Florida
MARKETSMiami-Dade · Broward · Palm Beach · Statewide
COMMERCIAL RESPONSEIndicative terms within 48 hours
RESIDENTIAL RESPONSELoan officer contact same day

Built on Relationships.
Rooted in Results.

All inquiries treated with complete confidentiality.