Lending options that fit your everyday banking needs
Personal Lending Services
At Helm Bank USA, we offer competitive rates, a quick approval process and personalized attention.
Here are some advantages of financing your loan with us:
- Mortgage programs for foreign nationals and domestic clients.
- Opportunity for international clients to establish credit history in the U.S. through our lending programs.
- Personalized assistance from our Business Development and Loan Officers to help you select the best financing options.
Mortgages
Purchase or refinancing of primary residences, secondary homes, and investment properties.
Adjustable Rate Mortgages with a fixed rate program of three,five,seven or ten years.
Auto Loans
Finance of new and used vehicles for foreign nationals with no credit history in the U.S.
Fast approval within 1 or 2 business days.
No prepayment penalties.
Opportunity to establish credit history in the U.S.
Learn more about our program
Learn more about our program
Mortgage Loans
For clients who are looking to invest in real estate in Florida or who want to
refinance their mortgage, our loans are a great option:
- Long-term loans with globally competitive rates.
- Opportunity to purchase residential and commercial properties.
- Cash-out refinancing option.
- Non warrantable condos for both foreign nationals and domestic clients.
Who is Eligible to Apply?
- Domestic individuals, residents or foreign nationals interested in diversifying their investment portfolio or in refinancing their current mortgage.
- Business owners in a personal capacity or on behalf of the business.
- Companies.
Residential Lending Financing Options
- Fixed Rate and Adjustable-Rate Mortgage Loans offered.
- Competitive interest rates in the international market.
- No prepayment penalty for par rates.
- Our clients can also rely on us for fixed-rate loans with different payment terms.
Credit approval required
Maximize your assets and grow your estate
Cash Out Refinancing
With our Cash Out Refinancing, we support your continuous growth.
Key Advantages
For more information, contact us at lending@helmbankusa.com.
Notice on Real Estate Ownership Restrictions for Non-US Persons Domiciled in Foreign Countries of Concern
This notification is only for your information and does not constitute legal advice.
On May 8, 2023, Florida Governor Ron DeSantis signed several new laws regarding property ownership
restrictions for (i) persons domiciled in Foreign Countries of Concern and that (ii) are not U.S. citizens or green card holders. These persons are defined under the new laws as “foreign principals”. Under Florida law, a person´s domicile is in the place where such person intends to make a permanent home, and foreign countries of concern include:
restrictions for (i) persons domiciled in Foreign Countries of Concern and that (ii) are not U.S. citizens or green card holders. These persons are defined under the new laws as “foreign principals”. Under Florida law, a person´s domicile is in the place where such person intends to make a permanent home, and foreign countries of concern include:
- People’s Republic of China.
- Republic of Cuba.
- Islamic Republic of Iran.
- Democratic People’s Republic of Korea (North Korea).
- Russian Federation.
- Syrian Arab Republic.
- Venezuela.
If these laws apply to you and you currently own a real estate property acquired before July 1, 2023, you must register with the Florida Department of Economic Opportunity (“DEO”) by December 31, 2023. The registration must include: (1) the name of the owner of the real property, or the owner of the interest in such real property, (2) the address of the real property, the property appraiser’s parcel identification number, and the property’s legal description. Foreign principals, as that term is defined by the new laws, that acquire certain properties on or after July 1, 2023, also must register their properties with the DEO within 30 days of closing.
Currently, the DEO registration system is not available. Therefore, if you need information or advice on how to proceed, we recommend you to consult with legal counsel. Failure to complete this registration on time can lead to fines of $1,000 per day from January 31, 2024. The penalties are harsh, and the State of Florida can even seize property for failure to comply with these laws.
Currently, the DEO registration system is not available. Therefore, if you need information or advice on how to proceed, we recommend you to consult with legal counsel. Failure to complete this registration on time can lead to fines of $1,000 per day from January 31, 2024. The penalties are harsh, and the State of Florida can even seize property for failure to comply with these laws.
One of our Business Development and Loan Officers will personally assist you in selecting the best financing option that fits your needs, whether it is to purchase your first home, your vacation home, investment property, or car.
Mari Blanco
Senior Vice President - Chief Lending Officer:
- NMLS ID: 511048
- Language: English / Spanish
- Email: mari.blanco@helmbankusa.com
- Phone: +1 (786)-626-9872
Jacqueline Soares
Business Development Officer:
- NMLS ID: 928011
- Language: English / Spanish / Portuguese
- Email: jacqueline.soares@helmbankusa.com
- Phone: +1 (786)-626-9729
Lorena Joya
Business Development Officer:
- NMLS ID: 2333663
- Language: English / Spanish
- Email: lorena.joya@helmbankusa.com
- Phone: +1 (786) 919-8274
Melissa Martinez
Business Development Officer:
- NMLS ID: 1232805
- Language: English / Spanish
- Email: melissa.martinez@helmbankusa.com
- Phone: +1 (305) 379-7007
Angélica Chavarria
Vice President - Business Development Officer:
- NMLS ID: 1374094
- Language: English / Spanish
- Email: angelica.chavarria@helmbankusa.com
- Phone: +1 (305)-329-7229
Carlos Peña
Business Development Officer:
- NMLS ID: 432858
- Language: English / Spanish
- Email: carlos.pena@helmbankusa.com
- Phone: +1 (786)-338-1733
Layonel Lopez De Queralta
Assistant Vice President -
Commercial Lending Officer:
Commercial Lending Officer:
- NMLS ID: 1543369
- Language: English / Spanish
- Email: layonel.lopezdequeralta@helmbankusa.com
- Phone:+1 (786) 919-8273
Our auto loans are an excellent option for both domestic and foreign national clients interested in purchasing a vehicle.
We offer competitive rates and flexible terms to suit your needs.
Key Benefits
- Fast Approval: Get approved within 1 or 2 business days, so you can drive your new car sooner.
- No Prepayment Penalties: Pay off your loan early without any additional fees.
- Credit History Opportunity: Establish or build your credit history in the U.S., which can help with future financial endeavors.
Who Can Apply
- Non-Residents and Foreign Nationals: Even if you don’t have a U.S. credit history, you can still apply for our auto loans.
- U.S. Residents with Limited or No Credit History: We welcome applicants who are new to credit or have a limited credit history.
Additional Features
- Flexible Repayment Terms: Choose a repayment plan that fits your budget and financial situation.
- Competitive Interest Rates: Enjoy low interest rates that make your auto loan more affordable.
- Personalized Support: Our team is here to guide you through the application process and answer any questions you may have.
Get in touch with our loan officers for personalized consultation and support
Our Team
One of our Business Development and Loan Officers will personally assist you in selecting the best financing option that fits your needs, whether it is to purchase your first home, your vacation home, investment property, or car.
Gustavo Borges
Vice President - Consumer Loan Manager:
NMLS ID: 2595252
Language: English / Spanish / Portuguese
Phone: +1(305) 379-4356 Ext. 7301