Purchase Loans
Your Path to Homeownership Starts Here
Whether you're buying your first home or your fifth, Loantrust Mortgage shops dozens of lenders to find the right loan at the right rate for you.
The Process
How the Home Buying Process Works
We guide you from pre-approval to closing — every step of the way.
Get Pre-Approved
We review your income, assets, and credit to issue a strong pre-approval letter that sellers take seriously.
Shop with Confidence
With your pre-approval in hand, work with your real estate agent to find the right home within your budget.
We Shop the Lenders
Once you're under contract, we compare rates and terms across our network of wholesale lenders to find your best option.
Underwriting & Approval
We manage the file, coordinate with the underwriter, and keep you informed at every milestone.
Close & Get Your Keys
We target on-time closings and walk you through your final numbers before you sign.
Loan Options
Loan Options for Every Buyer
Conventional
Ideal for buyers with good credit and a down payment of 3–20%. Competitive rates with flexible terms.
FHA
Government-backed loans with down payments as low as 3.5% — great for first-time buyers or those rebuilding credit.
VA
Zero down payment loans for eligible veterans, active-duty service members, and surviving spouses.
USDA
100% financing for eligible rural and suburban properties. No down payment required.
Jumbo
Financing above conventional loan limits for higher-priced Florida properties.
First-Time Buyers
First-Time Homebuyer Resources
Buying your first home can feel overwhelming — but it doesn't have to be. We specialize in walking first-time buyers through every step, explaining your options in plain language, and making sure you feel confident at the closing table.
- Down payment assistance programs available in Florida
- Credit counseling referrals if needed
- Plain-language explanations of every loan document
- No pressure — we work at your pace
Ready to Get Pre-Approved?
It takes just a few minutes to start the process. Our team will reach out to discuss your goals and walk you through your options.