Loan Programs That Fit Your Life
Whether you're buying your first home, refinancing, or investing, I'll match you with the right program. Not the most profitable one.
Home Purchase Loans
FHA Loans
FHA loans are built for first-time buyers. Lower down payment, more flexible credit requirements, and backed by the federal government. If you've been told you don't qualify, FHA might change that. I'll walk you through whether it fits your situation.
See if FHA works for you →
Conventional Loans
Conventional loans offer competitive rates and flexibility for buyers with stronger credit. Some programs allow as little as 3% down. No government backing means fewer restrictions on property types. We'll look at your profile and see if conventional is the better deal.
Check your conventional options →
VA Loans
If you're an eligible veteran or active-duty service member, VA loans offer zero down payment, no monthly mortgage insurance, and some of the best rates available. I'll help you understand your eligibility and walk you through the VA process.
Check your VA eligibility →
USDA Loans
USDA loans are designed for rural and suburban homebuyers with zero down payment. Many areas across Florida qualify, even if they don't feel rural. I'll check if your desired location is eligible.
See if your area qualifies →Need Help With Your Down Payment?
Grants, forgivable loans, and other programs are available depending on your income and location. Not everyone needs them, but they're worth knowing about.
Explore DPA ProgramsRefinance and Equity
Refinance
Lower your rate, shorten your term, or pull cash from your equity. I'll run the numbers and tell you if it makes sense. Not every refinance saves money. I'll be honest about whether yours does.
Get a refinance analysis →Home Equity / HELOC
Already own a home? Borrow against the value you've built for renovations, debt consolidation, or major expenses. We'll look at your equity and whether this option makes financial sense.
Explore equity options →Self-Employed? Investor? There's a Loan for That.
Traditional lenders say no when your income doesn't fit their box. I say let's find the program that does. No W2s, no tax returns, no problem.
DSCR Loans
DSCR loans qualify you based on the property's rental income, not your personal income. No W2s, no tax returns, no pay stubs. If the property cash flows, you can get financing. Perfect for building a rental portfolio without the paperwork headache.
Talk to me about DSCR →Bank Statement Loans
If you're self-employed, 1099, or own a business, your tax returns might not show your real income. Bank statement loans use 12-24 months of deposits instead. You keep more write-offs and still qualify for a mortgage.
See if you qualify →Asset-Based / Non-QM
High net worth but non-traditional income? Asset depletion loans, foreign national programs, and other non-QM options exist for situations that don't fit the standard mold. If you've been turned down elsewhere, let's talk.
Let's find your option →Loan Program Comparison
A quick reference. We'll go into detail in your strategy session.
| Program | Min. Down | Credit | Who It's For |
|---|---|---|---|
| FHA | 3.5% | 580+ | First-time buyers, lower credit |
| Conventional | 3-5% | 620+ | Strong credit, flexible terms |
| VA | 0% | Varies | Veterans and active military |
| USDA | 0% | 640+ | Rural/suburban, income limits |
| DSCR | 15-25% | 620+ | Rental property investors |
| Bank Statement | 10-20% | 660+ | Self-employed, 1099, business owners |
| Non-QM | 20-30% | 680+ | Non-traditional income, high net worth |
Rates and terms subject to change. Eligibility depends on credit, income, and program guidelines.
Not sure which loan fits?