Home loans for Florida families.
Buying your first home, moving up, or refinancing the one you have — we make the mortgage part simple. Conventional, FHA, VA and jumbo programs, plus cash-out refinancing and first-time buyer assistance, all with a loan officer who answers the phone.
- ✓Purchase, refinance and cash-out
- ✓Conventional, FHA, VA and jumbo programs
- ✓First-time buyer & down-payment assistance
- ✓Straight answers and same-person service
Programs matched to your property.
Home Purchase
Competitive fixed and adjustable rates for primary homes, second homes and condos.
Refinance
Lower your rate, shorten your term, or drop mortgage insurance as your equity grows.
Cash-Out Refinance
Turn home equity into cash for renovations, debt consolidation or a big expense.
FHA & VA Loans
Low- and zero-down government programs for first-time buyers and veterans.
Jumbo Loans
Financing above conforming limits for higher-value Florida homes.
First-Time Buyer Programs
Florida down-payment assistance and plain-English guidance to your first set of keys.
Answers before you apply.
How much down payment do I need?+
Less than most people expect — FHA starts at 3.5% down, VA is 0% for eligible veterans, and conventional programs start around 3–5% for qualified buyers. Florida assistance can cover part of it.
Should I refinance?+
It depends on your current rate, how long you'll stay, and your goal (lower payment, shorter term, or cash out). We run a free break-even analysis before you commit.
Does getting a quote affect my credit?+
No. Initial quotes use estimates and a soft inquiry with zero impact to your score. A hard pull only happens when you decide to move forward.
How fast can you close?+
Typical purchases close in 21–30 days with a complete file; refinances usually run 30–45 days.