30+ loan programs across all 67 counties. Hablamos Español.
Loan Programs
Florida Counties
Calculators
Bilingual
Every Mortgage Option Available
Government-backed, conventional, jumbo, and non-QM — find the right fit.
FHA Loans
3.5% down · Credit scores from 580. The most popular choice for first-time Florida buyers.
GovernmentVA Loans
$0 down · No PMI for eligible veterans and active military.
GovernmentUSDA Loans
$0 down for rural and suburban Florida areas. More areas qualify than you’d think.
ConventionalConventional Loans
3–20% down · PMI cancels at 80% LTV. Flexible terms for strong-credit borrowers.
Non-QMDSCR Loans
Qualify based on rental income, not personal income. Built for Florida investors.
Non-QMBank Statement Loans
12–24 months of deposits instead of tax returns. For self-employed borrowers.
Down Payment & Assistance Programs
Florida offers some of the best homebuyer assistance in the country.
Hometown Heroes
Up to 5% of loan amount for 50+ eligible professions — teachers, nurses, first responders.
FL Assist
$10,000 second mortgage at 0% interest. No monthly payments — deferred until sale or refinance.
HFA Preferred
Below-market interest rates plus down payment and closing cost assistance.
SHIP Programs
County-administered housing funds. Available in all 67 Florida counties.
Mortgage Credit Certificate
Federal tax credit — save up to $2,000/year on your income taxes.
County DPA
13 county-specific programs — Miami-Dade, Broward, Palm Beach, Orange, and more.
Mortgage Calculators
Estimate your payment, check affordability, compare options.
Quick Payment Estimate
Rates shown are for illustrative purposes only. Actual rates, terms, and payments will vary based on creditworthiness, property type, and loan program.
Ready to Find Your Best Rate?
Get pre-qualified in minutes. No obligation, no credit impact.
Get a Free Quote