FHA
A government-backed loan with a low down payment and flexible credit guidelines, a favorite for first-time buyers.
Best for
First-time buyers and anyone rebuilding credit
Loan Programs
From your first home to your next investment, these are some of the loan programs available. Not sure which one fits? We'll figure it out together on a free call.
Purchase, refinance & equity
The classic programs, with low down payment options for first-time buyers, financing for higher-priced homes, and ways to tap the equity you've built.
A government-backed loan with a low down payment and flexible credit guidelines, a favorite for first-time buyers.
Best for
First-time buyers and anyone rebuilding credit
The most common mortgage, with down payments as low as 3% for eligible buyers and PMI that can come off as you build equity.
Best for
Buyers with steady income and solid credit
A benefit earned through service, with no down payment and no monthly mortgage insurance for those who qualify.
Best for
Veterans, active duty, and eligible surviving spouses
Financing for loan amounts above the conforming limit, built for higher-priced homes in markets like Miami.
Best for
Luxury and high-balance purchases
A line of credit secured by your home's equity, so you can borrow what you need, when you need it, without touching your first mortgage.
Best for
Homeowners funding renovations, investments, or big expenses
Down payment help
Programs that can cover part of your down payment and closing costs, so you can buy sooner.
Grants and second loans from state, county, and local programs that help cover your down payment and closing costs.
Best for
First-time buyers who have the income but need help with upfront cash
A Florida-only program that helps first-time buyers in eligible occupations with down payment and closing costs, plus a reduced interest rate, while funding lasts.
Best for
Teachers, law enforcement, firefighters, healthcare workers, military, and other eligible Florida workers
Non-QM loans
If your tax returns don't tell your whole story, these programs qualify you on how you actually earn and save.
Qualify using the deposits on 12 or 24 months of personal or business bank statements instead of tax returns.
Best for
Business owners and self-employed borrowers with big write-offs
Qualify using your 1099 forms from one or two years instead of full tax returns, so your gross earnings count without the write-offs.
Best for
Independent contractors, gig workers, and commission earners
Qualify with a profit and loss statement covering one or two years, typically prepared by your CPA or tax preparer.
Best for
Self-employed borrowers with strong business numbers
Traditional paperwork like tax returns and W-2s, with more flexible guidelines than agency loans and one or two years of history.
Best for
Borrowers who just miss conventional guidelines
Qualify on your liquid assets instead of a paycheck, turning savings, investments, or retirement funds into qualifying income.
Best for
Retirees and buyers with significant savings
A path to homeownership for borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security number.
Best for
Hard-working buyers without a Social Security number
Investor & international loans
Grow a rental portfolio, flip or build, buy from abroad, or finance income-producing property.
Qualify on the property's rental income instead of your personal income, with no tax returns or employment verification.
Best for
Real estate investors growing a rental portfolio
Financing for buyers who live outside the U.S. and want to own property in Florida, no U.S. credit history needed.
Best for
International investors and second-home buyers
Financing for multifamily, mixed-use, retail, office, and other income-producing properties.
Best for
Investors and business owners buying commercial real estate
Short-term financing to buy a property and fund the renovation, so you can improve it and sell for a profit.
Best for
Investors renovating properties to resell
Fast, asset-based loans that focus on the property's value, so you can close quickly when a deal can't wait.
Best for
Investors who need speed or a short-term bridge
Financing to build from the ground up, covering the lot and construction costs, whether it's your own home or an investment.
Best for
Buyers and builders creating a property from scratch
Tell me about your goals and I'll walk you through the programs you qualify for, with real numbers.
Book a free callAll loans are subject to credit approval, underwriting guidelines, and program eligibility. Terms and availability may change.