Home Loan Programs
You May Qualify for One or More of the Many Great Programs Below.
Conventional
Conventional financing is a great option for those with a good credit score and money for a down payment. While you can still qualify with a lower score, there may be higher costs associated with your mortgage.
See if you qualify below!
- Low Down Payment
- Lower mortgage insurance costs than an FHA mortgage
- Available in Fixed Rate or Adjustable Rate (ARMs) options
- Mortgage insurance can be removed
- Variety of loan term options available
- Use for primary residence, second homes or investment properties
First-Time Home Buyer
As a first-time home buyer, you have a wide variety of programs to choose from. Depending on your financial scenario the following might be an awesome route for you! For further assistance take our Home Purchase Qualifier and our Preferred Lenders can help you with your options.
- Mortgage Insurance is half the cost of conventional mortgage insurance
- Great for borrowers who don’t have a credit score because of a lack of credit history
- Minimum Down Payments
- You can accept Gift Funds as Down Payments
- Can’t exceed income of:
- $62,400 in Hillsborough*
- $41,758 in Pinellas*
(but if you do exceed, FHA is also a great option)
FHA Loans
This program is perfect for those interested in a low down payment and flexible qualifying conditions.
Click below to get started!
- Minimal Down Payment
- Gift Funds Available
- Flexible qualifying criteria with lower credit score requirements
- Ability to choose between a fixed rate or an adjustable-rate mortgage
VA Loans
VA loan is a mortgage loan that was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
To qualify for a VA loan, you must have sufficient credit and income and a valid Certificate of Eligibility (COE).
Be sure to check with our Preferred Lender to see if you qualify!
- Often requires no down payment and has lower closing costs
- No monthly private mortgage insurance
- Flexible qualifying criteria with lower credit score requirement
Jumbo Loans
Get more buying power with a Jumbo Loan!
A Jumbo loan is a loan that exceeds the conforming loan limits set by Freddie Mac & Fannie Mae. As of 2021 the limit is $548,250 for Florida.
We are here to make the jumbo home loan process easier, with tools and knowledge that will help guide you along the way, starting with our Jumbo Loan Qualifier below!
- Purchase price is greater than $548,250
- Allows you to borrow the full amount of money that you need rather than breaking it into two different loans
- Ability to choose between a fixed rate or an adjustable-rate mortgage
*Terms and Conditions Apply. Not all applicants will qualify. Subject to formal underwriting, credit, acceptable income, assets, and property appraisal. Guidelines, rates and fees are subject to change without notice. Income limitations may apply to some loan products. Equal Housing Lender.