Loan Products
Every Loan Type. One Trusted Partner.
From first-time home buyers to borrower looking to relocate throughout Florida. We offer the full spectrum of mortgage products — with statewide reach and residential home expertise.
The benchmark for investment financing.
Conventional Loans
Conventional loans offer competitive rates and flexible terms for residential properties to fit your financial needs and requirement..
Key Features
- Loan amounts up to conforming and jumbo limits
- Fixed and adjustable rate options
- Strong credit profiles rewarded with best rates
- Available for single-family, multi-unit, and condos
Ideal For
Individuals with strong credit (680+) seeking long-term, stable financing for their primary residence..
Government-backed. Investor-accessible.
FHA Loans
FHA loans are insured by the Federal Housing Administration, allowing for lower down payments and more flexible credit requirements for residential purchases and refinancing.
Key Features
- Down payments as low as 3.5%
- Credit scores from 580 considered
- Available for 1–4 unit properties
- Competitive interest rates
Ideal For
First-time home buyers or those with moderate credit looking to purchase their new home.
Earned benefits. Maximum leverage.
VA Loans
VA loans are an exclusive benefit for veterans, active-duty service members, and eligible surviving spouses. They offer some of the most favorable terms available — including zero down payment and no private mortgage insurance requirement.
Key Features
- Zero down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- No prepayment penalties
Ideal For
Veterans and active-duty service members looking to maximize their purchasing power with no down payment.
Built for portfolio growth.
Investment Property
Specialized financing designed for non-owner-occupied investment properties — rental homes, fix-and-flip projects, and multi-unit acquisitions. These loans are structured around the income potential of the property, not just your personal finances.
Key Features
- Single-family, multi-unit, and mixed-use eligible
- Fix-and-flip and BRRRR strategy friendly
- DSCR (Debt Service Coverage Ratio) options available
- Portfolio and blanket loan structures
Ideal For
Active investors acquiring rental properties, flipping homes, or building a multi-property portfolio.
Optimize what you already own.
Refinancing
Refinancing lets you restructure existing mortgage debt to lower your rate, reduce monthly payments, or pull equity from appreciated properties. A powerful tool for portfolio optimization at any stage of your investment journey.
Key Features
- Rate-and-term refinancing to lower costs
- Cash-out refinancing to access equity
- Streamline refinance options for FHA and VA loans
- Investment property and primary residence eligible
Ideal For
Individuals looking to access equity from their primary residence or restructure personal debt.
Turn equity into income. No monthly payments.
Reverse Mortgage
A reverse mortgage allows homeowners 62 and older to convert a portion of their home equity into tax-free funds — with no monthly mortgage payments required. The loan is repaid when the home is sold, the borrower moves out, or the estate settles.
Key Features
- Available to homeowners 62 and older special programs 55+
- No monthly mortgage payments required
- Funds can be received as lump sum, line of credit, or monthly payments
- FHA-insured HECM options available
Ideal For
Homeowners 62+ seeking to supplement retirement income, cover healthcare costs, or improve cash flow without selling their home. Also, we have programs for individuals that are 55+.
Not Sure Which Loan Is Right for You?
Our team will walk you through your options and help you find the best fit for your goals.