Loan Programs
The Right Loan for Every Borrower
As an independent mortgage broker, we're not limited to one lender's products. We match you with the loan program that fits your goals, credit profile, and budget.
Loan Programs
Conventional
Most PopularBuyers with good credit, stable income, and a down payment of 3–20%.
Min Down
3%
Credit Score
620+
Conventional loans are the most common mortgage type. They're not backed by the government, which means competitive rates for borrowers with solid credit. Available in fixed and adjustable-rate terms.
Loan limit: Up to $766,550
FHA
Low Down PaymentFirst-time buyers, those with credit scores in the 580–640 range, or limited savings.
Min Down
3.5%
Credit Score
580+
FHA loans are insured by the Federal Housing Administration, making them accessible to buyers with lower credit scores or smaller down payments. A popular choice for first-time homebuyers.
Loan limit: Up to $498,257
VA
No Down PaymentVeterans, active-duty military, National Guard members, and eligible surviving spouses.
Min Down
0%
Credit Score
580+
VA loans are a powerful benefit for eligible veterans, active-duty service members, and surviving spouses. They offer zero down payment, no PMI, and competitive rates backed by the U.S. Department of Veterans Affairs.
Loan limit: No limit for eligible veterans
USDA
Rural & SuburbanBuyers purchasing in eligible rural or suburban areas with moderate income.
Min Down
0%
Credit Score
640+
USDA loans are backed by the U.S. Department of Agriculture and offer 100% financing for eligible properties in rural and suburban areas. Many parts of Central Florida qualify.
Loan limit: Based on income limits
Jumbo
High-Value HomesBuyers purchasing higher-priced Florida properties above conventional loan limits.
Min Down
10%
Credit Score
700+
Jumbo loans finance properties that exceed conventional loan limits. They require stronger credit and larger down payments but offer competitive rates for well-qualified borrowers.
Loan limit: Above $766,550
Investment Property
Real Estate InvestorsReal estate investors purchasing rental properties or expanding their portfolio.
Min Down
15%
Credit Score
680+
Financing for non-owner-occupied residential properties including single-family rentals, duplexes, and small multi-family. We work with investors at all stages of their portfolio.
Loan limit: Varies by program
Not Sure Which Loan Is Right for You?
We'll review your situation and recommend the best program for your goals. No obligation, no pressure.