Mortgage Loan Options for Florida Borrowers
What We Value Most
Conventional Loans
Conventional loans may be suitable for qualified borrowers purchasing or refinancing primary residences, second homes, or investment properties. These programs typically require review of credit, income, assets, debt-to-income ratio, property value, and other underwriting factors.
FHA Loans
FHA-insured loans may provide flexible qualification options for eligible borrowers, including first-time buyers and borrowers who may not fit conventional underwriting. FHA loans are subject to FHA guidelines, lender requirements, property standards, and mortgage insurance.
VA Loans
Image VA loan options may be available to eligible veterans, active-duty service members, certain reservists, National Guard members, and qualifying surviving spouses. Eligibility, entitlement, property requirements, and lender guidelines apply.
USDA Loans
USDA loans may be available for eligible borrowers purchasing eligible properties in approved rural or suburban areas. Borrower income limits, property location, occupancy, and USDA guidelines apply.
Jumbo Loans
Jumbo loans may be available for higher-value residential properties where the loan amount exceeds conforming loan limits. These loans typically require strong credit, income, assets, reserves, and property review.
Non-QM Loans
Non-QM loans may provide alternative financing options for eligible borrowers who do not meet traditional agency underwriting requirements. These programs may be useful for certain self-employed borrowers, investors, borrowers with complex income, or borrowers with unique documentation issues.
Bank Statement Loans
Bank statement loan options may be available for eligible self-employed borrowers where income is evaluated using personal or business bank statements instead of traditional tax-return-based income, subject to lender guidelines.
DSCR Investor Loans
DSCR loans may be available for eligible real estate investors where the lender evaluates the property’s rental income in relation to the proposed debt payment. These loans are commonly used for rental property purchases, refinances, and portfolio growth.
Foreign National Loans
Foreign national loan programs may be available for eligible non-U.S. borrowers purchasing or refinancing Florida real estate. Requirements vary by lender and may include passport, visa status or entry documentation, foreign credit references, U.S. bank accounts, reserves, down payment, and property review.
Construction and Renovation Loans
Construction and renovation financing options may be available for eligible borrowers building a new home, renovating an existing property, or financing certain property improvement projects. Requirements vary significantly by lender, builder, property type, budget, and timeline
Small Commercial Loans
Small commercial loan options may be available for office condos, medical offices, retail plazas, mixed-use buildings, and other eligible commercial properties. Loan structure depends on borrower qualifications, property income, business financials, occupancy, and lender requirements.
First-time Homebuyers
Buying your first home is a milestone! We specialize in helping the first time home buyer in Florida navigate grants, low down payments, and FHA closing costs to make homeownership a reality.
Ready to Get Started?
Address
608 SW Bayshore Blvd, Port St. Lucie, FL 34983
Open Hours
Monday – Friday
8:00AM – 05:00PM