Loan Programs

Each program has it’s own features and guidelines that need to be followed. Let’s explore which mortgage program may be a better fit over another for your specific situation and scenario.

Find Your Perfect Loan Program

Every homebuyer has a unique financial profile. Our expert program analysis helps you match your goals—whether you need low down payment options, specialized funding for investors, or assistance for Florida's essential workers.

Conventional Loan

The Standard & Most Flexible

The ideal choice for borrowers with strong credit and a 5% or more down payment. Features removable mortgage insurance (PMI) and the most favorable long-term costs.

Removable PMI Strong Credit Preferred

FHA Loan

The First-Time Buyer's Choice

Government-insured financing that offers low down payments (3.5%) and highly flexible credit score and Debt-to-Income (DTI) requirements.

3.5% Down Credit Flexible

VA Loan

The Veteran's Exclusive Benefit

The industry's best loan product for eligible veterans and service members. Offers 100% financing and zero monthly mortgage insurance.

100% Financing No Monthly MI

Jumbo Loan

The Solution for High-Value Homes

Financing for loan amounts that exceed the conforming loan limits. Requires strict underwriting, high credit scores, and substantial financial reserves.

High Loan Balances Strict Reserve Rules

DSCR Loan

The Investor's Cash Flow Solution

Non-QM financing for real estate investors. Qualifies the borrower based on the property's cash flow (Debt Service Coverage Ratio), not personal income or DTI.

Investment Only No Personal DTI

Florida Hometown Heroes

Essential Worker Assistance

A state program offering down payment and closing cost assistance to eligible essential workers, including teachers, healthcare professionals, and law enforcement.

FL Exclusive DP/Closing Cost Help

Why Your Program Choice is the Ultimate Financial Strategy

The loan program you choose impacts far more than just your interest rate; it defines the long-term cost of borrowing, the speed of your equity growth, and your monthly financial flexibility. The true cost of a loan is determined by factors like mortgage insurance rules, credit pricing adjustments (LLPAs), and required reserves.

Expert Insight: Selecting the right program is not about finding the cheapest rate today, but finding the structure that minimizes total costs and maximizes financial freedom over the next 5 to 10 years. Our deep-dive pages above illuminate these long-term financial differences.