Florida mortgage loan programs
Explore the purpose, potential benefits, tradeoffs and qualification questions behind RFG’s conventional, government and specialty mortgage solutions.
Conventional Loans in Florida
Conventional financing can be a strong fit for borrowers who want flexible terms across primary homes, second homes and qualifying investment properties. The best structure depends on far more than the advertised rate—down payment, mortgage insurance, reserves, occupancy and the property itself all matter.
Explore this program →02Government-insured home financingFHA Loans in Florida
FHA loans are mortgages made by approved lenders and insured by the Federal Housing Administration. They can provide an approachable path for qualified buyers, but mortgage insurance, property standards and occupancy requirements should be understood before choosing the program.
Explore this program →03A home loan benefit earned through serviceVA Home Loans in Florida
The VA home loan guaranty can help eligible Veterans, active-duty service members and certain surviving spouses purchase a home through a private lender. VA guarantees a portion of the loan, which may create powerful financing options for qualified borrowers.
Explore this program →04Eligible rural and suburban financingUSDA Home Loans in Florida
USDA’s Single Family Housing Guaranteed Loan Program helps approved lenders provide financing to qualifying low- and moderate-income borrowers purchasing eligible homes in designated rural areas. Many eligible locations are outside dense urban centers and may feel suburban rather than remote.
Explore this program →05Financing beyond conforming limitsJumbo Loans in Florida
A jumbo mortgage generally exceeds the conforming loan limit applicable to the property. Because these loans are not delivered through the standard conforming channel, requirements can vary meaningfully across investors—making comparison and preparation especially important.
Explore this program →06Professional mortgage solutionsDoctor and Medical Professional Loans
Medical professionals can have strong long-term earning potential while also carrying significant student debt, limited savings early in their careers or an employment contract that begins after closing. Specialized professional loan programs may evaluate that profile differently from a standard mortgage.
Explore this program →07Property-cash-flow qualificationDSCR Loans for Florida Real Estate Investors
Debt Service Coverage Ratio loans are business-purpose mortgages generally designed for investment properties. Qualification focuses heavily on the relationship between eligible property income and the proposed housing expense, though credit, assets, experience and property requirements also matter.
Explore this program →08Alternative income documentationBank Statement Loans for Self-Employed Borrowers
Self-employed borrowers sometimes show modest taxable income after legitimate business deductions even when cash flow is strong. A bank statement program may analyze eligible personal or business deposits over a defined period instead of relying only on traditional tax-return income.
Explore this program →09Finance the home and the workRenovation and Construction Loan Options
Renovation and construction loans can combine eligible acquisition or refinance financing with funds for approved improvements. These transactions require more planning than a standard mortgage because the scope, contractor, budget, appraisal and draw process become part of the loan.
Explore this program →10Assistance for Florida’s frontline workforceFlorida Hometown Heroes Program
Hometown Heroes is a Florida Housing Finance Corporation program that pairs a first mortgage with down payment and closing cost assistance for income-qualified, first-time buyers working full time for a Florida-based employer in an eligible occupation. The assistance is a deferred second mortgage that is repaid rather than forgiven, and funding is limited and reserved on a first-come, first-served basis.
Explore this program →11Compare the home and financingNew Construction Home Loans
Newly built homes add contract deposits, builder incentives, extended rate-lock timing, completed-home taxes and final completion requirements to the mortgage decision.
Explore this guide →Program descriptions are educational. Availability, qualifications and terms depend on current lender and investor requirements.