Florida home prices and insurance costs can make the purchasing a home out of reach out of reach for many first-time homebuyers. This is especially true in more expensive markets like Miami, Orlando, Tampa, and Jacksonville. If you’re short on cash for the down payment, you’re not alone. That’s exactly why Florida’s most popular programs […]
Florida Mortgage
Florida Hometown Heroes Down Payment Assistance
The Florida Hometown Heroes program has helped many homebuyers in recent years purchase a home with the help of state provided down payment assistance. In order to be approved for the program, buyers must meet certain eligibility and qualifying factors that we will discuss below. Please connect with us 7 days a week if you […]
FHA Loans Ocala Florida
FHA loans are one of the three main mortgage programs that carry a government-guarantee to the lender. These three mortgage programs are those underwritten to standards issued by FHA, VA and the USDA. The VA and USDA loans have certain restrictions, such as who is eligible or where the property might be located. FHA loans […]
USDA Loans Still 100% Financing
USDA Rural home loans are one of two last remaining 100 percent home loans still available in Florida. The other option is a VA loan which requires current or past military duty. As with any mortgage, there are groups of specific requirements that must be met before an applicant is approved. USDA Loan eligibility requirements […]
Conforming Limit Changes 2026
Consumers may have heard the term “secondary market” as it relates to housing, but it’s not very likely. Lenders, however, are very familiar with the term as the secondary market is the lifeblood of the industry. Without it, home loan lending would slow to a crawl resulting in fewer people being able to afford a […]
Conventional Loan Options Florida
By far the mortgage programs with the greatest market share in Florida are conventional loans. Conventional loans are typically underwritten by guidelines established by both Fannie Mae and Freddie Mac, but technically they are loans that do not come with a government-backed guarantee to the lender, including VA, FHA and USDA home loans. With a […]
Tampa FHA 203K Mortgage Loan
The FHA 203k is offered by the Federal Housing Administration, via approved FHA lenders and allows homebuyers in Tampa to purchase a fixer-up property with as little as a 3.5% down payment. This mortgage program is different from the standard FHA 203b loan. The 203K allows home buyers to purchase a home without using their […]
VA Loan Refinance Options St Johns County
Veterans in St. John’s County around St. Augustine, etc have some great VA refinance options available today. Depending on your current needs and equity position, The VA IRRRL Streamline refinance or Cash Out refinance could make sense. It’s no secret VA interest rates are still near all-time low levels. Now be a great time to […]
First Time Buyer Florida FHA Loans
Florida buyers are surprised to learn the FHA loan was introduced back in 1934 and is still the top mortgage program for those purchasing their first home. And while FHA is not reserved only for first-time home buyers there are some reasons why it’s a good deal for those wanting to come to the closing […]
Jacksonville FHA Loan Benefits
The Jacksonville housing market is going strong in 2026 with increased buying activity. Home values have increased yet again in the last year, for a median sales price of $300,000. More first-time homebuyers are now entering the market and looking for mortgage options that offer manageable terms with a low down payment. FHA financing fills […]
Asset Depletion Mortgage Highlights
Asset depletion is a method for calculating monthly income by dividing a borrower’s total assets by a set number of months. The borrower is not required to cash in their assets as they’re only used to demonstrate an ability to make the mortgage and housing payments. This is a great solution for home buyers that have significant assets but difficulty proving […]