Loan programs

There's a loan for every situation.

Conventional, FHA, VA, USDA and jumbo loans, first-time homebuyer and down-payment assistance programs, refinancing, HELOCs, manufactured, renovation and construction financing — plus DSCR investment loans in more than 40 states.

Conventional

Traditional financing for primary homes, second homes and investment properties, with fixed and adjustable options.

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FHA

Government-insured loans with flexible credit guidelines — a common path for first-time buyers.

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VA

For eligible service members, veterans and surviving spouses. As a veteran-owned brokerage, we know this program inside and out.

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USDA

For eligible homes in rural and many suburban areas of Florida.

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Jumbo

Financing above conforming loan limits for higher-priced homes.

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First-time buyer & DPA

First-time homebuyer and down-payment assistance programs that can help make the purchase work.

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Refinance & HELOC

Rate-and-term and cash-out refinancing, plus home equity lines of credit.

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Construction & renovation

Construction financing including one-time-close construction loans, plus renovation loans and manufactured home financing.

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DSCR investor loans

Qualify a rental property primarily on its cash flow rather than your personal income — available in more than 40 states.

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Investing outside Florida?

Our DSCR investment loans are available in AK, AL, AR, CO, CT, DC, DE, FL, GA, HI, IA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NJ, NM, NY, OH, OK, PA, RI, SC, TN, TX, VA, WA, WI and WY. Home loans for owner-occupied properties are offered in Florida.