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Conventional Loans

A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

FHA Home Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...

Jumbo Loans

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in...

Home Ready First

Helping more first time homebuyers achieve homeownership with HomeReady® First

Eligible Borrowers Receive: 

- $5000 grant 

- Up to $500 toward a 1-year home warranty (if applicable)

- $500 towards appraisal costs

Borrowers current primary residence must be located in an eligible census tract. Click here to see the list of Metropolitan Statistical Area’s (MSAs)

Home Possible

A great alternative to FHA financing for borrowers looking to purchase with a low down payment or refinance with limited equity. Use the Freddie Mac Lookup Tool to see if a subject property meets the county loan limit requirement.

- Up to 97% LTV

- 620+ FICO 

- First time homebuyers, move up borrowers and retirees

- Income up to 80% of the AMI

- Available on single- and multi-wide manufactured homes, co-ops*, condos and PUDs

Florida Hometown Heroes

Starting today, we are accepting applications for these loans in advance of the Florida Housing Finance Corporation’s fund allocation of $100 million on July 1 2024.

Eligible borrowers can receive up to 5% of the total loan amount in down payment and closing cost assistance, between $10,000 and $35,000.

USDA

For lovers of rural living and small suburban communities. The USDA Mortgage Loan is backed by the United States Department of Agriculture. People looking to settle down in an approved area might qualify for some home-grown benefits.

- No down payment required

- No credit score requirements

- No mortgage insurance

Bank Statement Loans

Bank Statement mortgage program is the perfect option for 

self-employed borrowers who need an alternative method to show the true cash flow of their business. Our Bank Statement program provides a loan solution to help underserved credit-worthy self-employed borrowers who otherwise would not qualify for a home loan.

DSCR Investor Loans

Debt Service Coverage Ratio (DSCR) is a loan option that allows borrowers to qualify for their loan using the market rent of their investment property, rather than their current income to qualify for their loan.

- Can close in LLC

- No income required 

- 640+ FICO 

Approved Condos 

Our Approved Condo List makes it even easier by compiling the HOAs and condo projects that have been reviewed and cleared by our team. This helps the loan go smoother and saves you or your buyer the HOA documentation request fee

HELOCs

A Home Equity Line of Credit (HELOC) is a flexible loan option for homeowners, using the equity in their homes as collateral.

- Close in as little as 5 days 

- No appraisal required 

- No Condo Review required 

- Primary, secondary, investment properties are eligible 

- First, second, even third lien options