Home Homebuyer Programs Reverse Mortgage Refinance About Us Calculators

First-Time & Move-Up
Buyer Programs

Whether you're buying your first home or your next one, the right loan program can save you thousands. Let's find the one that fits your situation.

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FHA Loans

Popular Choice

Government-backed loans designed for buyers who need flexibility on credit scores and down payments. A go-to option for first-time homebuyers.

  • As low as 3.5% down payment
  • Credit scores from 580 accepted
  • Gift funds allowed for down payment
  • Available in FL, TX, and NJ

VA Loans

Zero Down

Exclusive benefit for veterans, active-duty service members, and eligible surviving spouses. No down payment, no PMI, and competitive rates.

  • 0% down payment required
  • No private mortgage insurance (PMI)
  • Lower interest rates than conventional
  • Streamline refinance (IRRRL) available

Conventional Loans

Low Down Payment

Traditional financing with competitive rates and flexible terms. PMI drops off automatically once you reach 20% equity.

  • As low as 3% down for first-time buyers
  • 5% down for repeat buyers
  • PMI cancels at 80% LTV
  • Fixed and adjustable rate options

Florida Hometown Heroes

Up to $35K Assistance

Florida's premier down payment assistance program for community workers, including teachers, nurses, first responders, and other eligible professions.

  • Up to $35,000 in down payment/closing cost help
  • 0% interest, deferred second mortgage
  • Available to all W-2 Florida workers
  • Combinable with FHA, VA, or conventional

USDA Loans

Zero Down

Government-backed loans for buyers in eligible rural and suburban areas. No down payment required with competitive fixed rates.

  • 0% down payment required
  • Lower mortgage insurance than FHA
  • Income limits apply (varies by county)
  • Many suburban areas qualify

Non-QM / Bank Statement

Self-Employed

Designed for self-employed borrowers, 1099 contractors, and business owners who can't document income through traditional tax returns.

  • 12 or 24 months of bank statements
  • No tax returns required
  • 1099, P&L, and asset-based options
  • Loan amounts up to $3M+

How It Works

From first call to closing day, we keep it simple.

1

Schedule a Call

We'll discuss your goals, income, credit, and timeline to identify the best loan programs for your situation.

2

Get Pre-Approved

Know exactly what you qualify for with a full pre-approval letter. Shop for homes with confidence.

3

Close on Your Home

We handle the heavy lifting through underwriting, appraisal, and closing so you can focus on moving in.

Ready to Talk Real Numbers?

Calculators give you a starting point. For personalized rates, real qualification, and creative solutions — let's connect.

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Prefer to call? (561) 337-4721