Loan programs
Loan Programs Designed for Your Journey
Whether you're a first-time homebuyer in Florida, a senior looking to age in place, a veteran, or an investor — we have a loan built for your situation.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are one of the most popular options for first-time homebuyers. With a low down payment requirement and flexible credit guidelines, they make homeownership accessible to more families.
Who is this for?
Ideal for buyers with limited savings or building credit who want to get into a home sooner rather than later.
Key highlights
- Down payments as low as 3.5%
- Minimum credit score of 580
- Competitive interest rates
- Available for primary residences
- Seller can contribute up to 6% toward closing costs
Conventional Loan
Conventional loans are not government-backed, which means they offer more flexibility in terms of property types and loan amounts. With strong credit and stable income, you can access some of the most competitive rates available.
Who is this for?
Best for buyers with solid credit (620+) and stable employment who want flexibility in loan structure and property type.
Key highlights
- Down payments as low as 3%
- No PMI with 20% down payment
- Fixed and adjustable rate options
- Loan amounts up to conforming limits
- Available for primary, secondary, and investment properties
VA Loan
VA loans are a benefit earned by eligible veterans, active-duty service members, and surviving spouses. With no down payment and no private mortgage insurance required, it's one of the most powerful home financing tools available.
Who is this for?
Available to veterans, active-duty military, National Guard members, reservists, and eligible surviving spouses.
Key highlights
- $0 down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit requirements
- Funded by the U.S. Department of Veterans Affairs
Refinancing
Already own a home? Refinancing can help you secure a lower interest rate, reduce your monthly payment, or access your home's equity for renovations, debt consolidation, or other financial goals.
Who is this for?
Homeowners looking to reduce their monthly payment, shorten their loan term, or access equity they've built over time.
Key highlights
- Rate-and-term refinancing to lower your payment
- Cash-out refinancing to access home equity
- FHA Streamline and VA IRRRL options available
- No-cost refinance options available
- Fast closings with our streamlined process
Reverse Mortgage
A reverse mortgage allows eligible homeowners to access a portion of their home's equity while continuing to live in the property. It's a powerful tool for seniors who want to stay in their home and improve their financial flexibility in retirement.
Who is this for?
Designed for senior homeowners who want to age in place, supplement retirement income, or reduce financial stress while staying in the home they love.
Key highlights
- Access your home equity without selling
- No required monthly mortgage payments
- Retain ownership of your home
- Funds available as lump sum, line of credit, or monthly disbursements
- Home Purchase (HECM for Purchase) option available
Non-QM Loans
Non-Qualified Mortgage loans provide financing solutions for borrowers with unique income structures or circumstances that fall outside traditional agency guidelines. If you've been told you don't qualify elsewhere, we may have a solution.
Who is this for?
Entrepreneurs, investors, self-employed borrowers, and individuals with non-traditional financial profiles who need a more flexible approach.
Key highlights
- Flexible income documentation options
- Bank statement qualification for self-employed borrowers
- Alternative qualification methods
- Investor-friendly solutions
- Expanded financing opportunities
HELOC
A Home Equity Line of Credit (HELOC) is a revolving line of credit secured by your home's available equity. Unlike a traditional loan, a HELOC allows qualified borrowers to draw funds as needed during the draw period — similar to a credit card — so you only borrow what you use.
Who is this for?
Homeowners seeking flexibility and access to funds over time rather than receiving a single lump-sum loan amount.
Key highlights
- Access funds when needed
- Only borrow what you use
- Flexible borrowing options
- Useful for ongoing expenses and projects
- Potential alternative to high-interest consumer debt
Fix & Flip Financing
Fix and Flip financing provides fast, short-term funding solutions for real estate investors purchasing properties that will be renovated and resold. Move quickly on opportunities without the delays of traditional lending.
Who is this for?
Real estate investors looking to acquire, renovate, and resell properties quickly with flexible short-term financing.
Key highlights
- Fast financing solutions
- Property acquisition funding
- Renovation funding options
- Designed for investment strategies
- Short-term loan structures
Got questions?
Common Questions
Not Sure Which Loan Is Right for You?
Our loan officers are here to walk you through your options — no pressure, no jargon. Just honest guidance.