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Find the Right Home Loan for Your Needs

We offer every major mortgage product — and shop 50+ lenders to make sure you get the best rate on whichever one you choose.

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Conventional FHA VA Jumbo Reverse Commercial Refinance
Most Popular

Conventional Loans

Conventional loans are mortgages not backed by a government agency. They follow Fannie Mae and Freddie Mac guidelines and offer competitive rates for buyers with solid credit.

  • Down payments as low as 3%
  • No upfront mortgage insurance premium
  • PMI cancels automatically at 20% equity
  • Conforming loans up to $766,550 (2024 limit)
  • Fixed and adjustable-rate options
  • Available for primary, second, and investment homes
Apply for a Conventional Loan →

Typical Requirements

Minimum Credit Score620+
Minimum Down Payment3%
Max Loan (Conforming)$766,550
Debt-to-Income RatioUp to 50%
PMI Required Below20% Down

Best for buyers with 620+ credit and steady income looking for the most loan flexibility.

Typical Requirements

Minimum Credit Score580 (3.5% down)
Minimum Down Payment3.5%
Loan Limits (Miami-Dade)$621,000
Upfront MIP1.75% of loan
Down Payment GiftsAllowed

Best for first-time buyers and those with lower credit scores or limited savings for a down payment.

Low Down Payment

FHA Home Loans

FHA loans are backed by the Federal Housing Administration and designed for low-to-moderate income borrowers. They offer more flexible credit requirements than conventional loans.

  • Only 3.5% down with 580+ credit score
  • Down payment can come from gifts or grants
  • More flexible debt-to-income requirements
  • Can use with closing cost assistance programs
  • Streamline refinance option available
Apply for an FHA Loan →
$0 Down for Veterans

VA Loans

VA loans are guaranteed by the U.S. Department of Veterans Affairs and available to active-duty military, veterans, and eligible surviving spouses. They offer unmatched benefits — including zero down payment.

  • $0 down payment required
  • No private mortgage insurance (PMI)
  • Competitive interest rates
  • Flexible credit requirements
  • VA IRRRL refinance option for lower rates
  • No prepayment penalties
Apply for a VA Loan →
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Who Qualifies for a VA Loan?

  • Active duty service members (90+ days)
  • Veterans with honorable discharge
  • National Guard / Reserve members (6+ years)
  • Eligible surviving spouses

A Certificate of Eligibility (COE) is required. We can help you obtain yours.

Typical Requirements

Minimum Credit Score700+
Minimum Down Payment10–20%
Max Loan AmountUp to $3,000,000
Debt-to-Income RatioUp to 43%
Cash Reserves Required6–12 Months
Luxury & High-Value Homes

Jumbo Loans

Jumbo loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac. They're the right choice for high-value properties, luxury homes, and buyers who need more than $766,550 in financing.

  • Financing up to $3,000,000
  • Fixed and adjustable-rate options
  • Primary residences, second homes, and investment properties
  • Competitive rates for qualified borrowers
Apply for a Jumbo Loan →
Ages 62+

Reverse Mortgages

A reverse mortgage lets homeowners 62+ convert their home equity into tax-free income — with no monthly mortgage payments required. You stay in your home and retain ownership.

  • No monthly mortgage payments
  • Funds available as lump sum, monthly payments, or line of credit
  • Tax-free proceeds (consult your tax advisor)
  • You remain on title — it's still your home
  • FHA-insured HECM options available
Learn About Reverse Mortgages →

Reverse Mortgage Requirements

Minimum Age62 years old
Property TypePrimary Residence
Equity RequiredSignificant Equity
Counseling RequiredYes (HUD-approved)
Investors & Business

Commercial Loans

Commercial loans are secured by commercial real estate — office buildings, retail, multifamily, industrial, and more. Whether you're acquiring, refinancing, or developing, we have the right financing structure.

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Property Acquisition

Finance the purchase of office, retail, industrial, or mixed-use commercial properties.

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Refinancing

Lower your rate, reduce payments, or pull equity from existing commercial real estate.

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Construction & Development

Ground-up construction financing for new commercial developments and redevelopment projects.

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Multifamily

5+ unit apartment buildings, small multifamily, and large apartment complex financing.

Not Sure Which Loan is Right for You?

Our licensed advisors will match you with the best loan program in minutes — for free. No credit pull, no obligation.

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