loan programs
Conventional & Traditional Mortgage Options
Fixed Rate Mortgages (FRM)
A fixed-rate mortgage offers predictable monthly payments with an interest rate that stays the same for the life of the loan. A great option for buyers who want long-term stability and peace of mind.
Adjustable Rate Mortgages (ARM)
An adjustable-rate mortgage may offer a lower initial interest rate that adjusts over time based on market conditions. ARMs can be a great fit for buyers who plan to move, refinance, or want lower initial payments.
Hybrid ARMs (3/1, 5/1, 7/1, 10/1 ARM)
Hybrid ARMs combine the benefits of a fixed rate and an adjustable rate by offering an initial fixed period before the rate adjusts.
Jumbo Loans
Designed for higher-priced properties that exceed conventional loan limits, jumbo loans provide financing options for luxury homes and larger loan amounts.
Interest-Only Mortgages
Interest-only options allow borrowers to make payments toward interest for a set period, which can help manage cash flow for certain financial strategies.
Government Loan Programs
FHA Loans
FHA loans offer flexible qualification guidelines and lower down payment options, making them a popular choice for first-time buyers and those looking for affordable financing solutions.
VA Loans
VA loans provide eligible veterans, active-duty military members, and qualified spouses with valuable home financing benefits, including competitive rates and flexible terms.
Florida Bond Programs
State-supported programs designed to help eligible Florida homebuyers with affordable financing options and potential down payment assistance.
Hometown Heroes
Special financing opportunities designed to help qualifying Florida community workers achieve homeownership.
Manual Underwriting for Government Loans
Alternative underwriting options that evaluate the complete financial picture when traditional automated approvals may not tell the full story.
Alternative Income & Non-Traditional Financing
Bank Statement Loans
A flexible financing option for self-employed borrowers who may use bank statements instead of traditional income documentation.
1099 Only Loans
Designed for independent contractors and self-employed professionals who earn income through 1099 compensation.
ITIN Programs
Mortgage options available for qualified borrowers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number.
Foreign National Loans
Financing solutions designed for qualified international buyers purchasing property in the United States.
Alternative Income Documentation
Loan solutions that consider different ways to verify income beyond traditional pay stubs and W-2 documentation.
100% Doctor Loans
Mortgage programs created specifically for qualified medical professionals, often with flexible down payment and income considerations.
Construction & Land Financing
One-Time Close Construction Loans
A streamlined construction financing option that combines construction and permanent financing into one loan.
Jumbo Construction Loans
Construction financing designed for higher-value custom homes requiring larger loan amounts.
Spec Home Building Loans
Financing options for builders constructing homes without a committed buyer.
Land Loans
Also known as lot loans, these programs help finance the purchase of undeveloped land before construction begins.
Farm Loans
Financing solutions for agricultural properties, farmland, and qualifying rural properties.
Mobile Home Set & Land Purchase
Financing options for purchasing a manufactured home together with the land it sits on.
Home Equity & Refinance Options
Cash-Out Refinance Options
Access equity in your home by refinancing your existing mortgage and receiving cash for qualified purposes.
1st Mortgage HELOCs
A home equity line of credit option that allows homeowners to access funds while using their home as collateral.
2nd Mortgages
Additional financing secured by your home's equity, often used for renovations, debt consolidation, or major expenses.
2nd Mortgage HELOCs
Flexible revolving credit lines that allow homeowners to borrow against available home equity.
Unique Borrower & Special Situation Programs
Chapter 13 Buyouts
Financing options for qualified borrowers looking to complete or transition out of a Chapter 13 bankruptcy repayment plan.
One Year Out of Bankruptcy
Mortgage solutions for borrowers who may qualify after a shorter waiting period following bankruptcy.
Graduated Payment Mortgages
Payment structures that begin lower and gradually increase over time based on the loan program.
Balloon Mortgages
Loans that may feature smaller initial payments followed by a larger remaining balance due at the end of the term.
Multiple Properties on One Parcel
Financing solutions for unique properties with multiple structures or residences on one parcel.