As a mortgage broker, we compare options from multiple wholesale lenders. Here are the loan types we can help you explore. Program availability depends on lender guidelines, property type and borrower qualifications.
Whether it's your first home, your next home or a second home, we'll help you find a loan that fits and get a pre-approval you can shop with.
Refinancing replaces your current mortgage with a new one. Depending on your goals and eligibility, it can help you change your term, remove mortgage insurance or use your equity.
Loans not insured by a government agency, typically following Fannie Mae or Freddie Mac guidelines. A good fit for many buyers with established credit, and some programs allow lower down payments.
Your interest rate, and your principal and interest payment, stay the same for the life of the loan. Shorter terms build equity faster; longer terms spread payments out.
An ARM has an initial fixed period, after which the rate can adjust at set intervals based on a market index. It can make sense if you expect to move or refinance before the adjustment period, but your payment can rise.
For loan amounts above the conforming loan limits set for your county. Jumbo guidelines vary by lender, which is where shopping multiple lenders helps.
Including streamline refinance options for existing FHA and VA loans.
Insured by the Federal Housing Administration, FHA loans offer more flexible credit guidelines and lower down payment options. FHA mortgage insurance applies.
A simplified refinance for homeowners who already have an FHA loan. Documentation requirements are often reduced, and a net tangible benefit is required.
Backed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members and qualifying surviving spouses. VA loans offer flexible down payment options and no monthly mortgage insurance. A VA funding fee may apply unless you're exempt.
The VA Interest Rate Reduction Refinance Loan is a streamlined refinance for homeowners who already have a VA loan. It typically requires less documentation than a full refinance. A VA funding fee may apply unless you're exempt.
Backed by the U.S. Department of Agriculture, USDA loans help eligible buyers purchase homes in qualifying rural and suburban areas, including many communities across Florida. Income limits and property location rules apply.
Program availability, eligibility and terms vary.
Florida Housing Finance Corporation and local programs may offer down payment and closing cost assistance for eligible buyers. Availability, income limits and eligibility vary by program and county.
Self-employed or have income that's hard to document? Bank statement and other non-QM programs verify income differently. Terms differ from conventional loans, and approval depends on lender guidelines.
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property’s rental income rather than their personal income. They’re for investment properties only, not a home you’ll live in. Eligibility, credit, reserve and down payment requirements vary by lender.
Financing to build a new home. We'll help you understand how draws, inspections and the switch to permanent financing work for your project.
That's what we're here for. Tell us about your goals, budget and timeline, and we'll lay out the options side by side, including the trade-offs. Rates and terms depend on your credit, loan amount, down payment, property and loan type, and change daily. You'll get a personalized Loan Estimate after you apply.
Talk to a licensed Florida loan officer, 24 hours a day, 7 days a week, wherever you’re buying in the state. No obligation, and no credit check just to talk.