Conventional: the everyday default
The most common loan, with fixed or adjustable terms and down payments starting around 3% for qualified buyers. If your credit is solid and you want a straightforward process, this is usually where the conversation starts.
FHA: a smaller down payment, more forgiving credit
Insured by the FHA, with down payments as low as 3.5% and credit rules that are easier to meet. For first-time buyers, this is often the smartest first step.
VA: zero down for those who served
Eligible veterans, active-duty service members, and surviving spouses can buy with 0% down and no private mortgage insurance. It is one of the strongest benefits our veterans can use, and we will tell you straight if you qualify.
USDA: zero down off the beaten path
Zero-down financing on eligible properties in designated rural and suburban areas around Southwest Florida. It is a quiet option many out-of-state buyers never hear about, and it fits more addresses than you might think.
Jumbo and refinance
Jumbo loans cover waterfront, Gulf-side, and luxury homes above conforming loan limits, with underwriting that understands premium properties. For current owners in Florida or Ohio, refinancing covers rate-and-term, cash-out, and streamlined options where they apply.
Pre-approval is the first step, and it is easy
A short intro call about your goals and timeline, a simple document list, and your pre-approval letter in hand, usually within days. The letter typically stays valid for 60 to 90 days and makes your offer stand out to sellers.
One conversation gets you the numbers. No fee to ask, no obligation to continue.
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