Home Mortgage
We are dedicated to serving our local communities of
Central Florida
Seamless Applicaton Process
Mortgage Loans We Offer
Flexible Options for Every Homebuyer
Your Go-To Home Loan in 2026
Conventional Loan
Why consider a Conventional 30-year fixed loan?
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Primary, Second, Investment Home, or Condo
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Credit score as low as 620
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Minimum down payment as low as 3%¹
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No PMI with 20% Down
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No Upfront Mortgage Insurance
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Debt-to-Income (DTI) ≤ 45%
¹For a conventional loan, the minimum down payment requirement typically ranges from 3% to 20% of the purchase price, depending on factors such as credit score, loan type, and property use. Borrowers with higher credit scores and strong financial profiles may qualify for lower down payment options, while certain loan programs or investor guidelines may require larger deposits. It is important to note that making a down payment of less than 20% may require private mortgage insurance, which can increase your monthly payment. The exact down payment amount will be determined during the loan approval process based on your individual financial situation and the specific requirements of the lender.
The Affordable Loan for Lower-Credit Homebuyers
FHA Loan
Why choose an FHA Loan?
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Great for First-time homebuyers
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Primary Home Only
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Credit score as low as 580¹
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Minimum down payment of 3.5%
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Debt-to-Income (DTI) ≤ 43%
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Closing Costs Rolled Into the Loan²
¹FHA loan eligibility may include borrowers with credit scores as low as 580 FICO with a 3.5% minimum down payment, or borrowers with credit scores between 500 and 579 FICO with a minimum 10% down payment, subject to program guidelines.
Your Go-To Mortgage for High-Value Homes
Jumbo Loan
Why Consider a Jumbo Loan?
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Primary, Second, or Investment Home
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Loan amount greater than $832,750 in most areas¹
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Credit score as low as 680²
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Minimum down payment of 10-20%³
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6-12 months of mortgage payments typically required
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Debt-to-Income (DTI) ≤ 43%
¹Jumbo loans are mortgage amounts that exceed the 2026 FHFA conforming loan limits of $832,750 for a single-family home in most counties, or up to $1,249,125 in designated high-cost areas; limits vary by county and property type and are subject to change.
²Minimum credit score of 680 required; borrowers with credit scores of 720 or higher may qualify for more favorable rates and terms.
³Down payment requirements vary by program and borrower profile, generally ranging from 10% to 20%, and may be higher depending on underwriting guidelines.
The Mortgage for Real Estate Investors
DSCR Loan
Why consider a DSCR Loan?
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Non-owner occupied 1-4 unit residential
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Qualify Using Rental Income Only¹
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Tax Returns, W-2s not required
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Credit score as low as 620
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Minimum down payment of 20-25%
¹For loans using the Debt Service Coverage Ratio (DSCR) qualification, borrowers must have a DSCR of at least 1.00, meaning that the property’s monthly rental income must be equal to or greater than the monthly housing costs, including Principal, Interest, Taxes, and Insurance (PITI). This ensures that the property generates sufficient income to cover its own debt obligations.
The Cost-Saving Loan for Rural Homebuyers
USDA Loan
Why consider a USDA loan?
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No Down Payment Requirement¹
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Competitive Interest Rates
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Lower Income Qualification²
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Home In Approved USDA Area³
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Closing Costs Rolled Into the Loan
¹USDA Loans offer a no down payment requirement, allowing eligible borrowers to finance 100% of the home’s purchase price, making homeownership more accessible without the need for an upfront cash contribution.
²For USDA loans, the household’s adjusted gross income must be less than 115% of the area’s median income, ensuring that the program assists moderate‑ to low‑income borrowers in eligible rural areas.
³To qualify for a USDA Loan, the property must be located within a USDA-designated eligible area, which can be confirmed using the eligibility map at https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do.
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