Welcome to the Sunshine State

Florida Mortgage Loans

Document titled 'DSCR Loans Explained' with a pen on top, placed on a wooden desk alongside a calculator and another calculator or device.

Types of Loans Available

Designed for investors who qualify based on rental income rather than personal income or tax returns. DSCR loans are ideal for rental properties, short-term vacation rentals, and multi-unit investments.

  • Investor Cash Flow Loan

  • Short-Term Rental

  • Portfolio Loan

  • No-Income Verification

  • Bank Statement Loan

VA loan document from the U.S. Department of Veterans Affairs, a stack of 100-dollar bills, a pair of glasses, and a black pen on a wooden surface.

Mortgage program backed by the U.S. Department of Veterans Affairs, designed to help eligible veterans, active-duty service members, and select military spouses buy or refinance a home with no down payment. Competitive rates, no private mortgage insurance.

Wooden house-shaped model with the words 'Construction Loan' engraved on it, surrounded by screws and stacks of paper on a wooden surface.

Help homebuyers and builders finance the process of building a brand-new home from the ground up. One-time-Close or construction-to-permanent loans combine land, construction, and mortgage financing into one simple loan.

Graphic design featuring the words 'Hometown Heroes' in blue, with a stylized cityscape, street, and a figure in a superhero pose in blue and red.

The Florida Hometown Heroes Program provides financial assistance to eligible first-time homebuyers, specifically frontline community workers, to help cover down payment and closing costs when purchasing a home. Participants can receive up to 5% of their total loan amount, with a maximum of $35,000, through a deferred second mortgage with zero interest.

Wooden house cutouts labeled 'CONVENTIONAL MORTGAGE' surrounded by smaller house shapes on a wooden surface.

A conventional mortgage loan is a type of home loan that is not insured or guaranteed by the government, such as FHA or VA loans. These loans typically follow guidelines set by Fannie Mae and Freddie Mac, including requirements for credit score, down payment, and debt-to-income ratio.

Wooden house-shaped cutout with the words "FHA LOAN" on it, placed on a wooden desk with a pen, part of a keyboard, and a blue item nearby.

Government-backed mortgage designed to help low- to moderate-income borrowers qualify for home financing, often with lower credit scores and down payments as low as 3.5%. These loans are insured by the Federal Housing Administration, making lenders more willing to offer loans to those who might not qualify for conventional mortgages.

A stack of US 100 dollar bills with a black card that says 'Hard Money Loan' on it, next to a calculator.

A hard money loan is a short-term, asset-based loan secured by real estate, typically used by real estate investors. These loans often have higher interest rates and are funded by private lenders rather than traditional banks, making them a quicker financing option for projects like property flipping.

Referrals Available Upon Request

  • Realtor

  • Title Company

  • Home Inspector

  • Real Estate Attorney

  • Structural Inspection

  • Roof Inspection

  • Electrical Repair

  • HVAC / AC Repair

  • General Contractor

  • Homeowners Insurance Agent

  • Divorce Attorney

  • DSCR Lender

  • Loan Consultant

  • Credit Repair

  • Wood Destroying Insect Inspection

  • Mold Remediation

  • Asbestos Remediation

Please use the contact form for any listed referrals above or if you want to advertise.
Our team is always available to help.