Loan programs, explained like a person would.
Eight ways to finance a Central Florida home. Compare the basics here, then open any program for qualifying factors, process and sample numbers.
Find your program.
Every program page includes who it fits, what I handle for you, and the factors that move your approval and pricing.
Compare all programs
ConventionalAs little as 3% down for first-time buyers, mortgage insurance that falls off, and terms from 10 to 30 years.
FHA3.5% down with a 580 score, higher debt-to-income flexibility and gift-friendly down payment rules.
VANo down payment, no monthly mortgage insurance and funding fee exemptions for disabled veterans.
USDA100% financing in eligible suburban and rural areas, with income limits and low guarantee fees.
JumboLoan amounts above conforming limits with 10% down options and reserves-based underwriting.
Bank statement12 or 24 months of personal or business bank statements replace tax returns for self-employed buyers.
DSCR investorQualify with the property's rent instead of personal income. LLC vesting and short-term rentals allowed.
RefinanceRate-and-term, cash-out, FHA streamline and VA IRRRL options, with a break-even analysis every time.
At a glance.
Sample guideline figures for comparison only. Your approval depends on full underwriting.
| Program | Key guidelines at a glance (sample figures) | |||
|---|---|---|---|---|
| Conventional | Minimum down3% (sample) | Typical credit620+ | Mortgage insuranceRemovable PMI | Terms10 to 30 years |
| FHA | Minimum down3.5% with 580+ | Credit floor580 (sample) | Mortgage insuranceUpfront + monthly MIP | Max DTIUp to 56.9% (AUS) |
| VA | Minimum down$0 | Typical credit600+ (lender overlay) | Mortgage insuranceNone | Funding fee2.15% first use, waivable |
| USDA | Minimum down$0 | Typical credit640 for automated approval | Guarantee fee1% upfront, 0.35% annual | Income limit$119,850 for 1 to 4 people (sample) |
| Jumbo | Loan amountAbove $806,500 (sample) | Minimum down10% (sample) | Typical credit700+ | Reserves6 to 12 months |
| Bank statement | Minimum down10% (sample) | Typical credit660+ | Income docs12 or 24 months statements | Self-employed history2 years |
| DSCR investor | Minimum down20% to 25% (sample) | Typical credit680+ | DSCR target1.0 or higher | VestingPersonal or LLC |
| Refinance | TypesRate/term, cash-out, streamline | Cash-out max80% of value (sample) | Typical credit620+ | Timeline21 to 30 days |
Swipe the table to see every column.
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