NMLS #2629561 • Florida Loan Catalog
Florida Loan Programs
Explore tailored financing options for buyers, primary homeowners, and real estate investors with our bi-lingual team.
Homebuyer Loan Programs
Primary & Secondary HomesFHA Loans
Ideal for first-time buyers with flexible credit and low down payments.
- Credit scores down to 500 eligible
- Down payment as low as 3.5%
- Flexible debt-to-income limits
- Primary residence Florida homes
Conventional Loans
Standard loan program for buyers with solid credit and established savings.
- Credit scores starting at 620
- Down payment as low as 3% for 1st-time buyers
- 15, 20, and 30-year fixed terms
- No PMI once reaching 20% equity
VA Home Loans
Exclusive zero-down home financing for military veterans and active spouses.
- $0 down payment required
- No monthly private mortgage insurance (PMI)
- Competitive interest rates
- Funding fee waiver for qualifying disabled veterans
USDA Rural Loans
100% financing options for homes purchased in eligible suburban & rural areas.
- $0 down payment required
- Low monthly guarantee fees
- Available in qualifying Florida counties
- Income limits apply by household
Investor & Creative Financing
Non-QM & Private CapitalDSCR Investor Loans
Qualify based on property rental income rather than personal tax returns.
- No personal tax returns required
- Up to 80% LTV on purchases
- Short-term & long-term rentals
- Foreign nationals eligible
Fix & Flip Financing
Short-term capital for real estate investors purchasing and rehabbing Florida homes.
- Up to 90% Purchase & 100% Rehab funding
- Up to 75% After-Repair Value (ARLTV)
- Up to 4-unit residential properties
- Fast closings
Ground-Up Construction
Capital for builders and developers erecting single-family or multi-family units.
- Purchase lot & construction financing
- Non-owner occupied business purpose
- Flexible draw schedules
- Steel-frame & traditional builds