Understand the process
See what happens from goals and application through underwriting and closing.
A confident path to homeownership
Mortgage guidance built around the buyer
Learn the process, compare loan options, estimate the full payment and prepare for a stronger preapproval before the pressure of a contract.
Start here
Your homebuying roadmap
Use these resources in order or jump directly to the question that matters now.
Prepare for preapproval
Know which information may be reviewed and how to protect the approval.
Compare loan programs
Understand conventional, FHA, VA, USDA and specialty paths.
Estimate the payment
Explore principal and interest, DTI and estimated funds using educational tools.
Evaluate the property
Account for insurance, flood, HOA, CDD, condition and occupancy.
Close with confidence
Review final terms, verified funds, timing and post-closing responsibilities.
Explore your options
Mortgage programs for different goals.
No loan label is universally best. Compare the complete cost, qualification method and long-term fit.
01Flexible everyday financing
Conventional Loans
Learn how conventional mortgages work, including down payments, mortgage insurance, property types and qualification considerations for Florida homebuyers.
Learn more →02Government-insured home financingFHA Loans
Understand FHA loans, mortgage insurance, down-payment considerations, property standards and the homebuying process in Florida.
Learn more →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.
Learn more →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.
Learn more →05Financing beyond conforming limitsJumbo Loans
Explore jumbo mortgage considerations for higher-priced Florida homes, including reserves, documentation, property review and loan structure.
Learn more →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.
Learn more →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.
Learn more →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.
Learn more →09Finance the home and the workRenovation and Construction Loan Options
Explore renovation and construction financing for Florida properties, including contractor review, budgets, draws and after-improved value.
Learn more →10Assistance for Florida’s frontline workforceFlorida Hometown Heroes Program
Learn how the Florida Hometown Heroes Housing Program provides down payment and closing-cost assistance to eligible income-qualified homebuyers in approved Florida occupations.
Learn more →