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Our Loan Programs

From your first home to your next investment, we have the right loan program for every stage of your journey.

Find Your Perfect Loan

Compare our loan programs and find the one that best fits your needs and goals.

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FHA Loan

Most Popular

FHA loans are government-backed mortgages ideal for first-time homebuyers. They offer more flexible credit requirements and lower down payments than conventional loans.

Down payment as low as 3.5%
Credit scores from 580+
Competitive interest rates
Seller can pay closing costs
Primary residence only
Apply for FHA Loan
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Conventional Loan

Best Rate

Conventional loans are not government-backed and typically offer the best rates for buyers with strong credit. Available for primary homes, second homes, and investment properties.

Down payment from 3%
No upfront mortgage insurance
PMI removable at 20% equity
Primary, second home & investment
Loan limits up to $766,550
Apply for Conventional Loan
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VA Loan

No Down Payment

VA loans are exclusive to veterans, active-duty service members, and eligible surviving spouses. They offer outstanding benefits including zero down payment and no private mortgage insurance.

0% down payment required
No private mortgage insurance (PMI)
Competitive interest rates
Flexible credit requirements
For veterans & active military
Apply for VA Loan
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Jumbo Loan

High Value

Jumbo loans finance properties that exceed conventional loan limits. Ideal for luxury homes and high-value real estate in South Florida's premium markets.

Loans above $766,550
Competitive jumbo rates
Primary & second homes
Flexible term options
Strong credit required (700+)
Apply for Jumbo Loan
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DSCR Loan

Investor Favorite

Debt Service Coverage Ratio loans allow real estate investors to qualify based on a property's rental income rather than personal income. No W-2s or tax returns needed.

No personal income verification
Qualify on rental income
Single & multi-family properties
Short-term rentals (Airbnb) eligible
Unlimited properties
Apply for DSCR Loan
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Foreign National Loan

International

Tailored loan programs for non-US citizens and non-permanent residents looking to purchase property in Florida. We specialize in making homeownership accessible to international buyers.

No US credit history required
International income accepted
Condos, single-family & investment
Multiple property types eligible
Bilingual team support
Apply for Foreign National Loan

The Loan Process, Simplified

From your first call to closing day, here's what to expect.

1

Free Consultation

Talk to a loan officer, discuss your goals, and explore your options โ€” no obligation.

2

Pre-Approval

Submit your documents and get a pre-approval letter, usually within 24โ€“48 hours.

3

Underwriting

Our team handles the paperwork and coordinates with the lender to get your loan approved.

4

Closing

Sign the final documents and get your keys. We're with you every step of the way.

Not Sure Which Loan Is Right for You?

Our loan officers will review your situation and recommend the best option โ€” for free.