Mortgage clarity for every move.
One local team. Multiple wholesale lenders. Straight answers for homebuyers—and a partnership built to help real estate professionals grow.
“Rice Financial was amazing through the process. Victoria and Erik were always there walking us through everything.”Read Client Reviews ↓
More options. Better questions. A clearer decision.
RFG compares eligible solutions, explains the practical tradeoffs and helps clients choose with confidence.
Conventional Loans
Learn how conventional mortgages work, including down payments, mortgage insurance, property types and qualification considerations for Florida homebuyers.
Explore this loan →02Government-insured home financingFHA Loans
Understand FHA loans, mortgage insurance, down-payment considerations, property standards and the homebuying process in Florida.
Explore this loan →03A home loan benefit earned through serviceVA Home Loans
A practical Florida VA loan guide covering eligibility, the Certificate of Eligibility, funding fees, appraisals and zero-down possibilities.
Explore this loan →04Eligible rural and suburban financingUSDA Home Loans
Learn how USDA Guaranteed home loans can provide qualifying Florida buyers with a no-down-payment option in eligible areas.
Explore this loan →05Financing beyond conforming limitsJumbo Loans
Explore jumbo mortgage considerations for higher-priced Florida homes, including reserves, documentation, property review and loan structure.
Explore this loan →06Professional mortgage solutionsDoctor and Medical Professional Loans
Mortgage options designed for eligible physicians and medical professionals, with consideration for student debt, contracts and career-stage income.
Explore this loan →07Property-cash-flow qualificationDSCR Loans for Florida Real Estate Investors
Learn how DSCR investment-property loans evaluate rental income, debt service, reserves and property performance rather than traditional personal income alone.
Explore this loan →08Alternative income documentationBank Statement Loans for Self-Employed Borrowers
Understand how bank statement mortgage programs may evaluate qualifying self-employed income using eligible deposits and business expense factors.
Explore this loan →Know what comes next—before it becomes urgent.
A strong homebuying experience begins with a realistic payment, organized documents and a loan plan built before the offer.
Build Your Buying Plan →- 01
Goals before calculations
Start with timing, comfortable payment, funds, property and future plans.
- 02
A reviewed preapproval
Evaluate credit, qualifying income, assets and loan-program fit.
- 03
Property-level guidance
Update the payment for taxes, insurance, HOA, CDD and the actual offer.
- 04
Proactive closing communication
Keep the client and real estate team aligned through each milestone.
Start with a payment range—not a guess.
Use RFG’s educational calculators to explore principal and interest, debt-to-income ratio and estimated funds. Then request a personalized review.
Open the Calculators →Educational estimate only. Taxes, insurance, mortgage insurance, HOA/CDD and other costs are not included.
ApplicationUnderwritingClosing
A lending partner who helps protect the relationship.
Your client’s mortgage experience reflects on you. RFG combines personal access, multiple lending options and a team process designed to keep buyers educated and responsive.
- Thorough preapproval conversations
- Weekend and after-hours availability
- Property-specific payment scenarios
- Proactive milestone communication
- Long-term buyer education and nurturing
Bring practical mortgage education to your team.
RFG lunch-and-learns help agents recognize financing opportunities, set clearer expectations and build confidence around real client scenarios.
Useful answers for real buying decisions.
Original, reviewed resources help clients and real estate professionals understand the questions that affect approval, payment and closing.
The Mortgage Process, Step by Step
A clear guide to mortgage planning, preapproval, home shopping, appraisal, underwriting, Closing Disclosure and closing.
Read the guide →02A stronger beginningMortgage Preapproval: Prepare Before You Shop
Learn what mortgage preapproval reviews, which documents may be needed and why payment planning matters before making an offer.
Read the guide →03Understand the funds before closingFlorida Mortgage Closing Costs Explained
A practical guide to lender, title, appraisal, insurance, tax, prepaid and escrow costs that can affect a Florida home purchase.
Read the guide →04Prepare without guessworkCredit and Mortgage Readiness
Learn how mortgage lenders review credit reports, scores, payment history, utilization, inquiries and disputed accounts.
Read the guide →05How monthly obligations are evaluatedDebt-to-Income Ratio and Homebuying
Understand how mortgage lenders calculate debt-to-income ratio and why the qualifying ratio is different from a comfortable personal budget.
Read the guide →06A confident first purchaseFlorida First-Time Homebuyer Guide
A step-by-step Florida first-time homebuyer guide covering budget, preapproval, assistance, inspections, insurance and closing.
Read the guide →07Turn business income into a clear planMortgage Planning for Self-Employed Homebuyers
A mortgage guide for Florida business owners covering tax returns, cash flow, bank statements, business funds and documentation.
Read the guide →08Start insurance planning earlyFlorida Homeowners Insurance and Your Mortgage
Learn how homeowners, wind and flood insurance can affect mortgage qualification, cash to close and property selection in Florida.
Read the guide →Mortgage planning shaped around the property.
Local pages connect loan education with the insurance, association, property-type and payment questions common across Tampa Bay and Florida’s Gulf Coast.
Tampa
Tampa buyers can move between historic neighborhoods, established suburbs, condominiums, new construction and investment properties within a relatively small area. That variety makes property-specific payment and financing analysis essential.
Explore Tampa →Florida mortgage guideRiverview
Riverview offers a mix of established neighborhoods and rapidly developed communities. Buyers should compare more than the base price, especially where CDD assessments, HOA dues, insurance and builder incentives affect the full monthly payment.
Explore Riverview →Florida mortgage guideBrandon
Brandon’s central location and wide range of housing types attract first-time buyers, move-up households and investors. A property-level review helps account for taxes, insurance, association obligations and condition before an offer is finalized.
Explore Brandon →Florida mortgage guideApollo Beach
Apollo Beach includes waterfront homes, planned communities, new construction and established properties. Flood coverage, wind insurance, dock or seawall considerations and association costs can make early coordination particularly valuable.
Explore Apollo Beach →Florida mortgage guideWesley Chapel
Wesley Chapel combines major planned communities, new construction, luxury homes and growing employment centers. Comparing CDD assessments, builder incentives, taxes and total cash needs is essential when evaluating seemingly similar homes.
Explore Wesley Chapel →Florida mortgage guideSarasota–Bradenton
The Sarasota–Bradenton market includes coastal condominiums, master-planned communities, second homes, investment properties and year-round residences. Occupancy, association review, insurance and property type can change the appropriate financing strategy.
Explore Sarasota–Bradenton →Questions about working with a mortgage broker
Every mortgage is specific to the borrower, property and current program requirements. These answers are educational starting points.
What does a mortgage broker do?+
A mortgage broker helps a borrower evaluate eligible mortgage options from multiple wholesale lenders, explains the tradeoffs and coordinates the loan through closing.
How early should I speak with a mortgage professional?+
Ideally, before serious home shopping. Early review creates time to understand the payment, prepare documentation and address questions without contract pressure.
Does RFG work with Realtor partners?+
Yes. RFG supports Realtor partners with preapproval, property scenarios, milestone communication, buyer education, co-branded resources and brokerage lunch-and-learns.
Can RFG help self-employed borrowers and investors?+
RFG can evaluate traditional and alternative-documentation possibilities, including bank statement and DSCR programs when eligible.