Every program a Northeast Florida buyer needs.
From first home to investment property, from W-2 employee to self-employed, from VA-eligible veteran to USDA-rural buyer. We run the program that fits the file.
Seven loan products. Nine wholesale lenders. One application.
FHA
Lower down payments and credit-flexible underwriting for first-time and returning buyers.
- ▸3.5% down with 580+ credit
- ▸Low MIP relative to private MI
- ▸Most file types eligible
VA
Zero-down financing for active-duty service members, veterans, and qualifying spouses.
- ▸0% down, no PMI
- ▸Streamline refi (IRRRL) supported
- ▸Funding-fee waivers on disability
Conventional
Fannie Mae and Freddie Mac programs for borrowers who want lowest long-term cost.
- ▸3% down possible
- ▸PMI drops at 80% LTV
- ▸Best rates for 740+ credit
Jumbo
Loan amounts above the conforming limit. Sutton Park, Ortega, and Ponte Vedra files welcome.
- ▸No agency cap
- ▸Investor portfolios available
- ▸Common for $1M+ purchases
USDA
Zero-down rural development loans for income-eligible buyers in qualifying NE Florida zip codes.
- ▸0% down, low MI
- ▸Income limits apply
- ▸Geography-restricted
Bank Statement
Self-employed borrowers and 1099 earners qualify on deposits, not W-2s.
- ▸12 to 24 months bank stmts
- ▸No tax returns required
- ▸Doctors, contractors, agents
Refinance
Rate-and-term, cash-out, FHA streamline, VA IRRRL. We model break-even before you commit.
- ▸Cash-out for renovations
- ▸Drop PMI on conventional
- ▸Streamline programs simplified
Tell us the file. We'll tell you the program.
One conversation gets you a real read on which program is the best fit for your income, credit, and target price.