Loan Programs · Florida
Florida home loan programs
Plain-language guides to the loans I help buyers and homeowners explore.
Not sure where to start? Pick the guide closest to your situation, or just call me and we’ll figure it out together.
- Florida-licensed
- NMLS #2664300
- Smart Home Loans NMLS #1734077
Pick a guide
VA loans
For veterans, service members and eligible surviving spouses. Low credit scores welcome.
First-time buyers & down payment assistance
Florida Hometown Heroes, FL Assist, FL HLP and county programs.
FHA loans
Low down payment and flexible credit, with gift funds welcome.
Conventional, low down payment
Low down payment options for eligible buyers, removable mortgage insurance.
Seller concessions & rate buydowns
How much a seller may contribute by loan type.
Buying in a 55+ community
Assets for income: your assets, not a paycheck, may qualify you.
Foreign national home loans
We may be able to help, in the US or not. For non-US residents buying a Florida second home or investment property.
Bank statement loans
Tax returns that don’t show your real income? Bank statements may help.
New to the USA home loans
For new arrivals, and the attorneys and planners who guide them.
Refinance, cash-out & HELOC
Honest advice: sometimes a loan isn’t the best option.
Self-employed & bank statement
Tax return, bank statement, 1099 and asset-based options.
Foreign assets & overseas buyers
Wealth overseas, home in Florida. I make foreign assets count.
For financial planners
Mortgage second opinions that fit your client’s plan.
Programs, guidelines and eligibility change and vary by lender and program. This page is general information, not a commitment to lend or a guarantee of approval. All loans are subject to credit approval, underwriting and property approval. Not legal or tax advice.
Let’s talk it through
No pressure, just clear answers about what may fit you. Call, text or email me.
Ready to apply? Start at smarthomeloans.net.