The Right Loan for
Every Situation
From first-time buyers to seasoned investors, we offer a comprehensive suite of mortgage programs — all in one place.
Find My Best ProgramCore Loan Products
Conventional Loans
Most PopularConventional loans are the most common mortgage type, offering competitive rates and flexible terms for borrowers with good credit and stable income.
Qualifications
- Minimum 620 credit score
- Down payment from 3%
- DTI up to 45–50%
- Primary, second home, or investment
Highlights
- Conforming & non-conforming options
- Fixed and adjustable rates
- No PMI with 20% down
- Loan limits up to $806,500 (2025)
FHA Loans
Low Down PaymentFHA loans are government-backed mortgages designed to help buyers with lower credit scores or limited savings achieve homeownership.
Qualifications
- Minimum 580 credit score (3.5% down)
- Down payment as low as 3.5%
- Higher DTI allowances
- Primary residence only
Highlights
- Flexible credit requirements
- Down payment gifts allowed
- Seller concessions up to 6%
- Streamline refinance available
VA Loans
0% DownVA loans offer exclusive benefits to eligible veterans, active-duty service members, and surviving spouses — including zero down payment and no PMI.
Qualifications
- Eligible veterans & active duty
- No minimum credit score (lender overlay)
- No down payment required
- Primary residence only
Highlights
- No down payment required
- No private mortgage insurance
- Competitive interest rates
- VA funding fee may apply
Jumbo Loans
High ValueJumbo loans finance properties above the conforming loan limits — ideal for luxury Florida real estate in markets like Miami, Palm Beach, and Naples.
Qualifications
- Typically 700+ credit score
- 10–20% down payment
- Strong income & assets
- Loan amounts $806,500+
Highlights
- Fixed and ARM options
- Primary, second home, investment
- Competitive rates for qualified buyers
- Florida luxury market specialists
Specialty & Investor Loans
For investors, self-employed borrowers, and situations that don't fit conventional guidelines.
DSCR Investor Loans
InvestorDebt Service Coverage Ratio (DSCR) loans qualify based on the property's rental income — not your personal income. No tax returns or pay stubs required.
Qualifications
- DSCR ratio of 1.0 or higher
- Typically 680+ credit score
- 20–25% down payment
- Investment properties only
Highlights
- No personal income verification
- Short-term rental eligible
- Single-family to multi-unit
- Unlimited property count
Bank Statement Loans
Self-EmployedFor self-employed borrowers who write off significant income. Qualify using 12–24 months of personal or business bank statements instead of tax returns.
Qualifications
- 2+ years self-employed
- 12–24 months bank statements
- Typically 680+ credit score
- Primary, second home, investment
Highlights
- No tax returns required
- Personal or business statements
- Competitive rates
- High loan amounts available
Construction Loans
New BuildOne-time close construction-to-permanent loans for new home builds and major renovations. Finance the construction and permanent mortgage in a single closing.
Qualifications
- Approved builder required
- Typically 680+ credit score
- 20% down payment
- Detailed construction plans required
Highlights
- Single closing — no double costs
- Converts to permanent mortgage
- Renovation & new construction
- Tie into builder financing programs
Non-QM / Specialty Loans
FlexibleNon-qualified mortgage programs for borrowers who don't fit conventional guidelines — including foreign nationals, recent credit events, and unique income situations.
Qualifications
- Flexible credit requirements
- Recent bankruptcy/foreclosure OK
- Foreign national programs
- Asset depletion qualification
Highlights
- Foreign national loans
- ITIN loans available
- Asset-based qualification
- Recent credit event programs
Not Sure Which Program Fits?
Talk to a licensed Florida loan officer. We'll review your situation and recommend the best program — with no pressure and no obligation.