Florida Mortgage Programs — Find the Right Fit
From zero-down VA loans to first-time buyer programs, we'll match you with the loan that saves you the most money and fits your situation.
Conventional Loans
The most popular loan type for buyers with solid credit and some savings. Flexible terms, competitive rates, and PMI drops off at 20% equity.
- As low as 3% down
- Fixed or adjustable rate options
- PMI removable at 80% LTV
- Available for primary, vacation, and investment
FHA Loans
Government-backed loans designed for first-time buyers and those with lower credit scores. Lower down payment requirements and more flexible qualifying guidelines.
- 3.5% down with 580+ credit
- Lower credit score requirements
- Gift funds accepted for down payment
- Available for 1-4 unit properties
VA Loans
The gold standard of mortgage benefits for those who served. Zero down, no PMI, and some of the best rates on the market — you earned it.
- $0 down payment
- No monthly PMI
- Competitive interest rates
- Flexible credit guidelines
- Reusable benefit
USDA Loans
Zero-down loans for homes in eligible rural and suburban areas. Many parts of Florida qualify — and most buyers have no idea.
- $0 down payment
- Low mortgage insurance
- Below-market interest rates
- Income limits apply
Renovation Loans
Finance the home and the repairs in a single loan. Perfect for fixer-uppers — one closing, one payment, one plan.
- FHA 203(k) and HomeStyle options
- Finance purchase + renovation costs
- Single loan, single closing
- Borrow based on after-repair value
Refinance
Already own a home? Refinancing can lower your rate, shorten your term, or unlock your equity. We'll run the numbers to see if it makes sense.
- Rate-and-term refinance
- Cash-out refinance
- VA streamline (IRRRL)
- FHA streamline available
Down Payment Assistance
Florida offers multiple DPA programs most buyers don't know about — grants, forgivable loans, and bond programs that can cover your down payment and closing costs.
- Florida HFA programs
- Grants and forgivable loans
- Bond programs
- Stackable with FHA/conventional
Investment / Fix-and-Flip
Building a real estate portfolio? From DSCR loans to bridge financing, we'll structure the right deal for your investment strategy.
- DSCR loans (no income verification)
- Bridge / fix-and-flip financing
- Rental property loans
- Portfolio building strategies
Quick Comparison
| Program | Min Down | Min Credit | PMI | Best For |
|---|---|---|---|---|
| Conventional Loans | 3% | 620 | Yes | Buyers with good credit and stable income |
| FHA Loans | 3.5% | 580 | Yes | First-time buyers or flexible credit needs |
| VA Loans | 0% | Flexible | No | Veterans, active duty, and eligible spouses |
| USDA Loans | 0% | 640 | Yes | Buyers in rural/suburban eligible areas |
| Renovation Loans | 3.5% | 580-620 | Yes | Fixer-upper buyers who want one simple loan |
| Refinance | N/A | Varies | No | Homeowners looking to improve their loan terms |
| Down Payment Assistance | 0% with DPA | 640 | Yes | First-time buyers needing down payment help |
| Investment / Fix-and-Flip | 15-25% | 680 | No | Real estate investors and portfolio builders |
Not Sure Which Loan Is Right?
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