Primary Mortgage Loan Options

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Conventional

Perfect for borrowers with strong credit and steady income, conventional loans start with as little as 3% down payment. They offer stable interest rates, reliable approval timelines, and require a minimum credit score of 620, making them a smart choice for both first-time and repeat homebuyers.

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FHA Loan

Ideal for first-time buyers or those with limited savings or lower credit, FHA loans start with just a 3.5% down payment and require a minimum credit score of 580. They offer flexible qualification guidelines and make homeownership more accessible for many buyers.

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VA Loan

If you’ve served, the VA loan is one of the best benefits available to you. With 0% down payment required and a minimum credit score of 620, it offers competitive interest rates and no monthly mortgage insurance. Designed specifically for veterans, active-duty service members, and eligible surviving spouses.

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USDA Loan

USDA loans offer 100% financing with no down payment required for homes in eligible rural and suburban areas. With a minimum credit score of 640, they’re ideal for moderate-income buyers looking for an affordable and accessible path to homeownership.

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Jumbo Loan

A Jumbo Loan is ideal for Florida homebuyers purchasing properties that exceed conventional loan limits. Designed for higher-priced and luxury homes, these loans offer flexible financing options for borrowers with strong credit profiles.
With competitive interest rates and typically no mortgage insurance required, a Jumbo Loan allows you to move forward with confidence when financing your dream home.
Contact us today to learn more about current Jumbo Loan limits and rates.

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Non-QM Programs

Non-QM loans offer flexible financing for borrowers who fall outside traditional loan guidelines. They’re perfect for self-employed buyers, investors, or anyone with unique income streams.
Programs include bank statement loans, DSCR loans for investors, ITIN loans, and foreign national options—making homeownership possible when conventional loans aren’t a fit.

DSCR Investment Loan

DSCR (Debt Service Coverage Ratio) loans are ideal for real estate investors. Approval is based on a property’s rental income rather than personal income, making it easier to qualify and expand your investment portfolio.

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P&L Statement Loan

P&L loans are designed for self-employed borrowers who qualify using their business profit and loss statements instead of tax returns. Ideal for entrepreneurs seeking flexible income verification and competitive financing options.

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Asset-Based Loans

No Traditional Income? That’s Okay.
You may qualify using your assets instead of employment income, such as savings, investments, or retirement funds.
Ideal for retirees, self-funded buyers, high-net-worth clients, and anyone with strong financial reserves but limited monthly income.

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ITIN Loan

An ITIN Loan allows non-U.S. citizens without a Social Security number to purchase a home in Florida.
Borrowers can qualify using an Individual Taxpayer Identification Number (ITIN) along with verifiable income such as W-2s, tax returns, or bank statements.

Foreign Investor Loan

A Foreign Investor Loan is designed for non-U.S. residents seeking to purchase property in Florida for investment or vacation use.
Qualification is based on global income and assets, with no U.S. credit history or Social Security number required. These programs are well-suited for international buyers looking to enter the U.S. real estate market with clarity and structure.
Ask about current Foreign Investor loan options and eligibility requirements.

Bank Statement Loan

Self-Employed? You Have Options.
You can qualify using your most recent 12 to 24 months of personal or business bank statements instead of traditional tax returns.
Ideal for entrepreneurs, freelancers, and 1099 earners who want a flexible, income-smart path to homeownership.

Down Payment Assistance

We partner with over 150 lenders, many offering down payment assistance programs. Our team works to match you with the lender and program that best fits your financial goals.

ONE + DPA

What makes ONE+ different?
Buy a home with as little as 1% down
Get a 2% grant that never has to be repaid
Lower monthly payments with reduced mortgage insurance and better pricing
Available on homes up to $350,000
Minimum credit score 620
Designed for families earning 80% or less of the Area Median Income (AMI), which means many local buyers qualify.

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Boost DPA - Forgivable 2nd

3.5% assistance for down payment and/or closing costs
Forgivable after 60 on-time payments (must request forgiveness)
No interest, no monthly payment on the DPA
FHA & USDA loans only (within conforming limits)
Minimum credit score: 580 (FHA) or 640 (USDA)
Must complete HUD-approved homebuyer education (just 1 borrower)
U.S. citizens, permanent & non-permanent residents
DACA eligible (FHA only)
First-time buyers welcome, but not required.

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National DPA

FHA 100% Down Payment Assistance Program
Min. 600 FICO (Manual Underwrite to 45% DTI with 660 FICO)
100% FHA Down payment Assistance on Purchase only
First Lien is FHA 30-year Fixed up to 96.5% LTV
Standard and High Balance Loan Amounts
Manufactured Home & Condo eligible
2-1 Buydown Options Available

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