Conventional and Government Loan Program

FNMA & Freddie Mac Confirming

A conventional loan is a type of mortgage that is not insured or guaranteed by the federal government. Instead, they adhere to the guidelines set by private entities, particularly Fannie Mae and Freddie Mac.

FHA Loan

FHA is short for Federal Housing Administration. While FHA loans are geared toward first-time buyers, you do not need to be a first-time buyer to take advantage of this loan program. There are several benefits in selecting an FHA loan over other forms of financing. Easier credit qualifying, lower down payments and lower monthly payments all make FHA an excellent choice for first time buyers.

VA Loan

VA loans are backed by the U.S. Department of Veteran Affairs and are available for military personnel, surviving spouses, and veterans. One of the key benefits for this loan is that it offers a zero percent down payment, so service men and women are not required to make a down payment for the loan. These loans can also be up to 100% financed, pending all requirements are met. Usually, these types of home loans are approved fast with minimal red tape. Even if you have less-than-perfect credit, a VA loan might be right for your financing situation. Another benefit of the VA home loan is that it never includes monthly Private Mortgage Insurance (PMI).

Non-QM Loan Program

A Non-QM Loan Program is a type of mortgage loan that allows you to qualify based on alternative methods, instead of the traditional income verification required for most loans. Non-QM programs include the following types of programs:

VOE (Verification of employment) Program

VOE is a type of mortgage program where all of the verification is handled directly by the employer. If you're a salaried worker or a wage earner, this program could work for you as an alternate type of financing.

Please download the document for more details

P&L (Profit and Loss) Program

For self-employed borrowers, this program only requires the Borrower to provide a profit and loss statement from a licensed CPA or EA as an alternative income verification method.

Please download the document for more details

Bank Statement Program

For self-employed individuals with a consistent and stable cash flow, this program is an excellent choice. The loan approval only requires reviewing personal or company bank statements for the past 12 or 24 months to calculate income, without the need for any other income documentation.

Please download the document for more details

DSCR (Debt Service Coverage Ratio) Program

Qualify for a no-income home loan without using your income documents or tax returns with a DSCR Loan. The DSCR is a measure of the cash flow available to pay current debt obligations. DSCR measures if the subject property has enough rent to cover the housing expenses.

Please download the document for more details

Other Loan Programs

Bridge loan Program

A bridge loan is a financing option that serves as a source of funding until you get permanent financing or pay off debt. Also known as swing loans, bridge loans are typically short-term loans, lasting an average of 6 months to 2 years. A bridge loan can be only used for investment programs. The buyer has to be business in the state of Florida.

Foreign National Loan

A foreign national loan program is a type of non-qualified mortgage designed for non-residents in the United States who are looking to purchase a house, whether it be used as an investment property or homebase while visiting.

Commercial Loan

A commercial loan is a type of debt-based financing arrangement that is extended to businesses, corporations, or commercial enterprises. These loans are used to fund various business activities, such as expanding operations, purchasing equipment or inventory, acquiring real estate, or meeting other capital needs. Commercial loans are typically offered by banks, financial institutions, or specialized lending organizations.