Every Loan Program,
Explained Simply.
Whether you're a first-time buyer, veteran, investor, or self-employed borrower — there's a loan program built for your situation. Explore them all below.
FHA Loans
Low down payment. Flexible credit.
Government-backed loans with as little as 3.5% down and more flexible credit guidelines — a great option for first-time buyers.
Conventional Loans
Flexible terms. No upfront MI.
The most widely used mortgage type. Options from 3% down with no upfront mortgage insurance and flexible loan structures.
VA Loans
Zero down. No PMI. Earned.
Exclusively for Veterans, active-duty service members, and eligible surviving spouses. No down payment, no PMI, and competitive rates.
USDA Loans
Zero down in eligible areas.
100% financing for homes in USDA-designated rural and suburban areas. Competitive rates and reduced mortgage insurance.
DSCR Loans
Qualify on rental income.
Debt Service Coverage Ratio loans for real estate investors. Qualify based on property cash flow — no personal income required.
Bank Statement Loans
Self-employed? Use your deposits.
Qualify using 12–24 months of bank statements instead of tax returns. Designed for self-employed borrowers and business owners.
1099 Loans
For contractors and gig workers.
Use 1099 income to qualify — no tax returns required. Ideal for independent contractors, freelancers, and commission-based earners.
Asset Depletion
Qualify on assets, not income.
Convert liquid assets into qualifying income. Perfect for retirees or high-net-worth borrowers with significant savings but limited income documentation.
Down Payment Assistance
Florida DPA programs.
Explore every down payment assistance program available in Florida — statewide bond programs, county grants, and local initiatives.
Not Sure Which Program Is Right For You?
Every borrower's situation is different. Alberto reviews your income, credit, assets, and goals to identify the best program — at no cost and no obligation.
Book a Free Strategy Call