Financial servicing for Florida property transactions.
Money Wave Corp is a licensed financial institution — a money services business regulated by the Florida Office of Financial Regulation, licence FT230000438. We take the financial side of the purchase: receiving and converting funds, documenting their origin, settlement with escrow and title, and financing — including mortgages for buyers who are not U.S. residents.
Deals rarely fail on price. They fail on the money side.
Having the money and being able to move it into a U.S. closing are two different things. Funds arriving from abroad, a bank asking where they came from, escrow waiting on paperwork nobody prepared — this is where large purchases lose weeks or fall apart. It is also the one part of the deal that neither the realtor nor the attorney is responsible for.
“The money is there, so the deal will go through.”
Funds have to reach escrow through a regulated channel, their origin has to be documented before the transfer, and the bank, the title company and the seller have to be working to one schedule. That is a financial process with its own rules — and someone has to be accountable for it.
“The realtor finds the property. The attorney checks the contract. The financial side of the transaction is ours.”
The financial side of the transaction, carried by one licensed institution.
Money Wave Corp is not a brokerage and not an intermediary making introductions. We are a licensed financial company that takes responsibility for the money in your transaction — working alongside your realtor, your attorney, and our vetted title, escrow and mortgage partners.
Receiving, transferring and converting funds
Funds are received and converted under Florida licence FT230000438 and reach escrow from a regulated institution — not from an account no one at the closing table can identify.
Source-of-funds documentation
We prepare the full file — where the money came from, how it was earned, the tax position, ownership — for your bank, the title company and escrow. Ready before the transfer, so the deal never waits on paperwork.
Settlement with escrow and title
We align the payment schedule with the escrow agent, the title company and the seller's side: deposit, balance, closing date. One financial timeline everyone works to.
Financing and mortgages
Where the purchase is financed, the loan is arranged by our licensed mortgage-broker partners — including programmes for buyers without U.S. residency.
Timing and tax, with your own advisers
When funds move relative to the closing date — and whether a loan secured against assets you would rather keep beats selling them. Planned together with your CPA and attorney, never in place of them.
A regulated institution. On the money side there is no other way.
Money Wave Corp is a money services business licensed by the Florida Office of Financial Regulation (Part II, licence FT230000438), operating under Chapter 560, Florida Statutes, and a financial institution for the purposes of the Bank Secrecy Act. Since 2026, the FinCEN Residential Real Estate rule also requires reporting on non-financed transfers to entities and trusts. Carrying all of that properly is the service.
Licensed money transmitter
Licence FT230000438, issued by the Florida Office of Financial Regulation in 2023 — verifiable on the state register at flofr.gov.
A complete file, prepared in advance
Your bank, the title company and the escrow agent all need to see where the funds came from. We prepare that file before the transfer, so the answer is ready before the question is asked.
FinCEN reporting built in
Non-financed transfers to entities and trusts are reportable. We structure the financial side so the reporting is straightforward from day one.
A Florida-licensed financial institution.
Money Wave Corp is licensed by the State of Florida to receive, transmit and convert client funds. The financial side of the transaction stays in-house, under our own licence — you are not sent elsewhere to arrange it.
- License type
- Money Services Business · Part II
- License number
- FT230000438
- Regulator
- Florida Office of Financial Regulation
- Status
- Active · licensed since 2023
If the source of funds cannot be documented, we decline.
That is standing policy, not a judgement call. A licensed institution works only with capital of lawful, documented origin — and we would rather say no on the first call than at the closing table.
Built for large transactions where the money side is the hard part.
Our clients are buying homes and investment property in South Florida, often with funds arriving from abroad or from a recent sale of a business or a portfolio. They already have a realtor and an attorney. What they don't have is anyone accountable for the money.
The investor diversifying
Investors, founders and business owners, typically 30–55, moving part of a portfolio into a hard asset — and wanting the transfers and the paperwork run by a licensed institution.
The international buyer
Buyers from Latin America, Europe and Russian-speaking markets. Here the documentation and the foreign-national mortgage decide whether the purchase happens at all.
The realtor's client
Realtors bring us the transactions where the funding side is complicated. The agent keeps the client and the commission — we take the financial part off their desk.
Four steps on the financial side.
Consultation and review
What is being bought, on what timeline, and where the funds come from — plus a check that their origin can be documented.
Funding and financing plan
How and when the money reaches escrow, and whether a mortgage — including a foreign-national loan — belongs in the structure.
Documentation
The source-of-funds file and the reporting side of the transaction, prepared before any money moves.
Settlement and closing
Funds transfer on schedule, escrow and title complete the deal, and the property is registered in your name.
What clients ask us first.
No. Money Wave Corp is a licensed financial institution. We carry the financial side of the transaction and work alongside your own realtor and attorney — or introduce you to licensed partners if you don't have them yet.
Yes. Money Wave Corp is a money services business licensed by the Florida Office of Financial Regulation (licence FT230000438). We meet FinCEN reporting requirements, satisfy bank and escrow due diligence, and decline funds whose origin cannot be documented.
Yes — it is one of the things we arrange most often. You put down part of the price and a mortgage covers the balance, including foreign-national loan programmes placed through our licensed mortgage-broker partners.
Often, yes. Where it fits, we arrange a loan secured against assets you would rather keep, so the purchase completes without liquidating a position. We plan that together with your own advisers.
We coordinate the timing of every movement of funds with your closing date and work alongside your CPA and attorney. MoneyWave carries the transfers and the documentation; it does not replace your own advisers.
Your personal and financial details are used only for the transaction and for the checks the law requires. We do not share them with third parties or use them for marketing. Where a disclosure is required by law, it is made.
South Florida — Aventura, Sunny Isles, Bal Harbour and greater Miami — including new-build condos and premium properties.
Tell us about the transaction.
Send the outline — what is being bought and how it will be funded. We'll reply with whether we can take it on and how the financial side would run.