Loan is a homebuyer’s loan that is not offered or secured by a government entity but sold in the secondary market. They can be used for primary, vacation, and investment properties.

• 620+ FICO
• Primary, second and investment
• Loan amounts up to county loan limit
• Eligible on purchase, rate/term and cash-out refinances
• LTV's as high as 97% on purchase and rate/term refinances
• LTV's as high as 80% on primary home and 75% on second home and investment cash-out refinances
• Available on single- and multi-wide, co-ops*, condos and PUDs
• High Balance available for loan amounts over the county loan limit
• 3-2-1, 2-1 and 1-0 Temporary rate buydowns available for primary and second home purchases.

With VA loans, veterans, service members, and their surviving spouses can purchase homes with little to no down payment and no private mortgage insurance and generally get a competitive interest rate. Can only be used for Primary properties.

• Loans up to $4M
• 550+ FICO Up to 100% LTV
• Fixed term only
• Single family primary residence, 2-4 units with one being owner occupied
• Purchase & cash-out refinance
• Available on single- and multi-wide, condos and PUDs
• Escrow waivers up to 100% LTV
• 2-1 and 1-0 Temporary Rate Buydowns available for primary purchases

Is a government-backed mortgage insured by the Federal Housing Administration (FHA). FHA home loans require lower minimum credit scores and down payments than many conventional loans, which makes them especially popular with first-time homebuyers. Can only be used for Primary properties.

• 500+ FICO (10% down payment) 580+ FICO (3.5% down payment)
• All fixed term mortgages
• Single family primary residences, single- and multi-wide, condos and PUDs
• 3-2-1, 2-1 and 1-0 Temporary Rate Buydowns available for primary purchases
• Must be primary residence
• Loan limits for Central Florida Counties $498,257 - 1 unit, higher for 2-4 units

• 30-year fixed rate
• No down payment required
• No cash reserves needed
• Closing costs may be financed on some transactions
• Seller contributions allowed
• 620+ FICO and Elite pricing starting at 640+ FICO
• Available on single- and multi-wide (must be built after 2006), condos and PUDs

FHA 203(k), HomeStyle and Choice renovation mortgages let you buy and renovate a fixer-upper home with one loan. Repairs begin immediately after closing. The loans may pay for structural repairs, cosmetic renovations and in-between improvements. Can be used for primary, vacation, and investment properties.

• Enables borrowers to purchase or refinance home and cost of rehab
• 15 & 30 year term
• For purchases can use with Temporary Rate Buydown
• As low as 3% down for first time homebuyers, 3.5% for FHA and 0% down for USDA
• Can be used for primary, vacation and investment properties
• Ability to add a pool or ADU after closing
• Eligible properties include single family, townhomes, condos, multi-unit up to 4 (Primary only), manufactured/modular homes
• Borrower cannot be related or have a business affiliation with contractor

Is a type of financing that exceeds the limits set by the Federal Housing Finance Agency (FHFA) and cannot be purchased, guaranteed, or securitized by Fannie Mae or Freddie Mac. Homeowners must undergo more rigorous credit requirements than those applying for a conventional loan and approval requires a good credit score and a very low debt-to-income (DTI) ratio.  Can be used for primary homes, second or vacation homes or investment properties

• 30-Year Fixed or 5/1 ARM with 10-Year Interest-Only with 40-Year Term options
• 12- and 24-Month Bank Statement programs with P&L statements NOT require
• Up to $1,000,000 cash out – Cash out may be used as reserves
• Loan amounts up to $3M
• 680+ FICO and up to 45% DTI
• Up to 89.99% LTV
• Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
• Two appraisals from two different appraisers required for loans over $2M

Finances the construction of a house, then converts to a mortgage on completion with only one closing. Can be used for primary, vacation, and investment properties.

• Can include cost of acquiring land, construction of the home
• Get to choose design and customization
• New construction has lower maintenance costs
• Energy efficient
• Latest smart home technology
• Can be used with conventional, FHA, VA, USDA, Investor Loans
• Converts to permanent mortgage after construction completed.
• Down payment as low as 3% and zero down payment for VA/USDA
• Credit score from 620+

Is a line of credit that uses the equity you have in your home as collateral. The amount of credit available to you is dependent on the equity in your home, your credit score, and your debt-to-income (DTI) ratio. Because HELOCs are secured by an asset, they tend to have higher credit limits and much better interest rates than credit cards or personal loans. Can be used for primary, vacation, and investment properties.

• Property ownership includes primary, secondary, and investors
• Quick way to convert equity to cash
• Speed to Close - Process from application to closing, in as few as 5 days
• Opportunity to help pay for home improvements, consolidate high interest credit cards, cover medical expenses, purchase a second home or investment property
• Loan amounts up to $500k

Acts as a “bridge” between selling your current home and buying a new one. It is a short-term mortgage secured by a portion of the equity in your current home, even if it’s for sale, to use toward the down payment on a new home. Can be used for primary, vacation, and investment properties.

• Program pays off the existing lien while providing the cash out needed for down payment on the new home. No monthly payments on the bridge financing
• Balloon payment due in 12 months with NO MONTHLY PAYMENTS REQUIRED
• Bridge Financing only available in conjunction with financing on the new purchase home