Mortgage Loan Options
Types of Home Loan Programs
From buying your dream home to accessing home equity, we have the mortgage loans to achieve your goals.
CONVENTIONAL
I have a strong credit score and steady income, and I want a competitive loan option.
- Lower interest rates with good credit
- Reduced or cancelable mortgage insurance
- Flexible loan terms and options
FHA
I want easier credit requirements and more flexible qualification guidelines.
- Lower credit score requirements
- Smaller down payment options
- Flexible income and debt guidelines
VA
I am a Veteran or Active Duty service member and want to use my VA benefits.
- No down payment required
- No monthly mortgage insurance
- Competitive interest rates
JUMBO
I need a larger loan amount than standard county limits allow.
- Higher loan limits for luxury homes
- Competitive rates for well-qualified buyers
- Flexible property options
DSCR
I want to qualify using rental income instead of personal income.
- Qualify using rental income
- No personal income verification
- Ideal for real estate investors
BANK STATEMENT
These loans are designed for Self-Employed individuals and independent contractors.
- Qualify using personal or business bank statements
- No tax returns required
- Ideal for business owners and freelancers
2ND HOME
I want to purchase a vacation home or secondary residence.
- Lower down payment options than investment properties
- Competitive interest rates
- Enjoy a getaway home year-round
INVESTMENT
I want to purchase property to generate rental income or build long-term wealth.
- Build your real estate portfolio
- Potential for rental income
- Various financing options available
RENOVATIONS
I want to buy a fixer-upper or upgrade my current home and finance the repairs.
- Combine purchase and renovation costs in one loan
- Based on the "after-improved" value
- Perfect for fixer-uppers
CONDO
I want to purchase a condominium in South Florida.
- Warrantable and non-warrantable condo options
- Primary, secondary, or investment use
- Expertise in complex HOA guidelines
REFINANCE
I want to improve my current mortgage to better fit my financial goals.
- Lower payments or better terms
- Access home equity if needed
- Simplify or restructure debt
USDA
I want to live in a rural or suburban area and need affordable financing.
- No down payment required
- Low monthly mortgage insurance
- Competitive interest rates
Compare Loan Programs
Select up to 3 loan programs to compare their key features side-by-side.
| Features | Conventional | FHA | VA |
|---|---|---|---|
| Min. Down Payment | As low as 3% | As low as 3.5% | 0% in most cases |
| Min. Credit Score | 620+ | 580+ | Flexible (typically 580+) |
| Mortgage Insurance | Required if < 20% down | Upfront & Annual required | None (One-time funding fee) |
| Eligible Properties | Primary, Second Home, Investment | Primary Residence only (1-4 units) | Primary Residence only |
| Loan Limits | Up to local conforming limits | Varies by county | No set limits for full entitlement |
| Best For | Good credit and moderate down payment | First-time buyers, lower credit scores | Veterans and active military |
