Beyond the ordinary

This is where our journey begins. Get to know our business and what we do, and how we're committed to quality and great service. Join us as we grow and succeed together. We're glad you're here to be a part of our story.

FHA Loan

 

  • Down payment: as low as 3.5%
  • Credit score: from ~580+
  • Best for: first-time buyers or low credit
  • Loan limits (2026): up to ~$654,350 in South Florida (Miami-Dade, Broward, Palm Beach)

  • ✅ Benefits:

    • Easier qualification
    • Allows gift funds or assistance
    • Can combine with down payment programs

 

Conventional Loan

 

  • Down payment: 3%–20%
  • Credit score: usually 620+
  • Best for: buyers with good credit

✅ Benefits:

  • No mortgage insurance with 20% down
  • Higher loan flexibility

 

VA Loan (Veterans)

  • Down payment: $0
  • Credit: flexible
  • Only for: veterans, active military

✅ Benefits:

  • No PMI
  • Competitive interest rates

USDA Loan (Rural Areas)

    • Down payment: $0
    • Location: eligible rural/suburban areas
    • Income limits apply

    ✅ Good for buyers outside major cities

Non-QM (Non-Qualified Mortgage)

      • Credit score: ~580–700+
      • Down payment: 10%–25%+
      • Higher interest rates than conventional
      • More lender-specific rules

      👉 These loans trade flexibility for cost

      Down payment: $0
    • Location: eligible rural/suburban areas
    • Income limits apply

     

Florida State Assistance Programs

These help with down payment & closing costs:

⭐ Florida Hometown Heroes Program

  • Up to $35,000 assistance
  • 0% interest (paid when you sell/refinance)
  • For full-time Florida workers

👉 One of the biggest programs in Florida right now.

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⭐ Florida Assist (FL Assist)

 

  • Up to $10,000
  • No monthly payments
  • Paid back later (when you sell/refinance)

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⭐ HLP Second Mortgage

 

  • Up to 5% of the loan amount
  • Small monthly payment

 

 

⭐ Local City & County Programs

Miami, Tampa, Orlando, etc. offer:

  • Up to $30K–$50K assistance
  • Some are forgivable grants

"I can't say enough about the outstanding service I received from your company. Their team went above and beyond to meet our needs and exceeded our expectations."

Oliver Hartman