Who this is for
Primary residence buyers and homeowners looking to purchase or refinance using traditional income documentation. Ideal for W-2 employees, salaried professionals, and anyone who qualifies with standard guidelines.
Loan highlights
- Conventional loans up to conforming and high-balance limits
- FHA loans with as little as 3.5% down
- Jumbo financing for higher-value Florida properties
- Fixed and adjustable rate options (15-yr, 20-yr, 30-yr)
- Rate/term and cash-out refinance available
- Down payment assistance programs for qualified buyers
- Primary and second home financing
General parameters
Min. Down Payment
3.5% (FHA) / 5% (Conventional)
Loan Terms
15, 20, 25, or 30 years
Min. Credit Score
580+ (FHA) / 620+ (Conventional)
Max DTI
Up to 50% (program dependent)
Property Types
SFR, Condo, Townhouse, 2–4 unit
Loan Amounts
Up to $2M+ (jumbo)
All terms are subject to credit approval, appraisal, and lender guidelines. Rates vary based on market conditions and borrower profile.
Our process
- Submit your scenario — no credit pull required to start
- We review and match you with the best lender for your profile
- Pre-approval issued, typically within 24–48 hours
- Smooth path from contract to closing