Every mortgage program available to Florida homebuyers and homeowners — government-backed, conventional, jumbo, non-QM, and specialty loans. Find the right fit for your situation.
Government-Backed Loans
- FHA Loans — 3.5% down, credit scores from 580. The most popular choice for first-time Florida buyers
- VA Loans — $0 down, no PMI for eligible veterans and active military
- USDA Loans — $0 down for rural and suburban Florida areas
Conventional Loans
- Conventional Loans — 3-20% down, PMI cancels at 80% LTV
- Jumbo Loans — Above $766,550 for Florida high-value properties
- ARM Loans — Lower initial rate, adjusts after 5, 7, or 10 years
- 3% Down Conventional — HomeReady and Home Possible programs
Non-QM & Alternative Loans
- Non-QM Loans — Alternative documentation for non-traditional borrowers
- Bank Statement Loans — 12-24 months of deposits instead of tax returns
- DSCR Loans — Qualify based on rental income, not personal income
- ITIN Loans — For borrowers with an Individual Taxpayer ID Number
- Foreign National Loans — For non-US citizens buying Florida property
Specialty & Refinance
- First-Time Homebuyer — Programs and grants for your first Florida home
- Reverse Mortgage — Access home equity for seniors 62+
- Refinance — Lower your rate, cash out equity, or change your term
- Construction Loans — Build your Florida home from the ground up
- Investment Property — Financing for Florida rental and investment properties