Conventional Loans
Good credit. Stable income. Ready to move.
A conventional loan isn't backed by the government, it's held to standards set by Fannie Mae and Freddie Mac, which means lenders look closely at your credit score, debt-to-income ratio, and down payment. But for buyers who qualify, it's one of the most flexible and cost-effective options on the market.
You can put down as little as 3% and once you hit 20% equity, private mortgage insurance (PMI) drops off automatically. That matters long-term. Conventional loans also work for primary residences, second homes, and investment properties, making them the go-to choice for buyers who are building a real estate portfolio in Florida.
What most buyers don't realize: conventional loans come in two types. Conforming loans stay within Fannie Mae and Freddie Mac loan limits. Jumbo loans go above those limits — which matters a lot in South Florida's market where property values run high. We work with both.
FHA Loans
Don't let a smaller down payment stop you.
FHA loans are insured by the Federal Housing Administration, which means lenders can offer more flexible terms to buyers who are still building their financial foundation. You can qualify with a credit score as low as 580 and a down payment of just 3.5%. If your score is between 500–579, you may still qualify with 10% down.
Here's what buyers often overlook: FHA loans require mortgage insurance for the life of the loan unless you refinance into a conventional loan once you've built enough equity. That's not a dealbreaker, it's just something we'll factor into your long-term strategy from day one so there are no surprises.
FHA loans are also assumable, meaning a future buyer could take over your loan at your current rate, a major selling point in a high-rate environment.
USDA Loans
Zero down payment. Most buyers don't even know this exists.
The USDA loan program is one of the most underutilized tools in Florida real estate and one of the most powerful. If you're purchasing in a USDA-eligible area, you can finance 100% of the purchase price with no down payment required and no private mortgage insurance.
Eligible areas aren't just rural farmland. Many suburban communities throughout Florida, including parts of Central Florida, the Treasure Coast, and areas surrounding major metros — qualify. We run eligibility checks regularly and know exactly which zip codes open the door to this program.
Income limits apply, but they're more generous than most buyers expect. A household of four can often earn well into the six figures and still qualify. The USDA loan also offers some of the lowest mortgage insurance costs of any loan program available today.
VA Loans
You served. You earned this.
The VA loan is the single most powerful home financing benefit available to eligible veterans, active-duty service members, and surviving spouses. No down payment. No private mortgage insurance. Competitive interest rates. And no loan limit for buyers who have full VA entitlement.
What sets the VA loan apart isn't just the financial benefits — it's the protections built into the program. VA loans include an appraisal process designed to protect buyers from overpaying, limits on closing costs lenders can charge, and no prepayment penalties if you want to pay your loan off early.
One thing many veterans don't know: your VA benefit can be used more than once. If you've used it before and paid off that loan, your full entitlement is restored. And in some cases, you can have two VA loans active at the same time.
