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Florida Loan Programs

Every borrower is different. I offer a full suite of mortgage products to match your unique situation โ€” whether you're buying, refinancing, or tapping your equity.

Conventional

Conventional Loan

The most popular loan type for buyers with good credit and stable income. Not government-backed, offering flexibility in property types and loan amounts.

  • โœ“ As low as 3% down payment
  • โœ“ Credit score 620+ recommended
  • โœ“ Fixed or adjustable rate options
  • โœ“ No upfront mortgage insurance premium
  • โœ“ PMI drops off at 20% equity
Get a Conventional Loan Quote
FHA

FHA Loan

Government-backed by the Federal Housing Administration. Ideal for first-time buyers or those with lower credit scores who need a more accessible path to homeownership.

  • โœ“ 3.5% down with 580+ credit score
  • โœ“ 10% down with 500โ€“579 score
  • โœ“ Flexible debt-to-income ratios
  • โœ“ Great for first-time buyers
  • โœ“ FHA Streamline Refinance available
Check My FHA Eligibility
VA

VA Loan

Exclusively for eligible U.S. veterans, active-duty military, and surviving spouses. One of the most powerful mortgage benefits available โ€” and you've earned it.

  • โœ“ Zero down payment required
  • โœ“ No private mortgage insurance (PMI)
  • โœ“ Competitive interest rates
  • โœ“ Flexible credit requirements
  • โœ“ VA IRRRL streamline refinance
Check My VA Eligibility
Jumbo

Jumbo Loan

For high-value properties that exceed conforming loan limits. Common in Miami, Naples, Sarasota, and other premium Florida markets where home prices run higher.

  • โœ“ Loan amounts above $766,550
  • โœ“ Competitive rates for qualified buyers
  • โœ“ Fixed and adjustable options
  • โœ“ Primary, second homes & investment
  • โœ“ Strong credit & reserves required
Inquire About Jumbo Loans
Refinance

Mortgage Refinance

Lower your monthly payment, shorten your loan term, eliminate mortgage insurance, or pull cash from your equity. A refinance can save you thousands over the life of your loan.

  • โœ“ Rate & term refinance
  • โœ“ Cash-out refinance
  • โœ“ FHA Streamline Refinance
  • โœ“ VA IRRRL Refinance
  • โœ“ Remove PMI from existing loan
See If I Should Refinance
HELOC

HELOC

A Home Equity Line of Credit lets you borrow against the equity you've built in your home โ€” like a credit card secured by your property, with lower rates than personal loans.

  • โœ“ Flexible draw period
  • โœ“ Lower rates than credit cards
  • โœ“ Great for home improvements
  • โœ“ Debt consolidation option
  • โœ“ Only pay interest on what you use
Explore My HELOC Options

๐Ÿ“Š Want to estimate your monthly payment?

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Not Sure Which Loan Is Right for You?

Tell Josh about your situation and he'll recommend the best product for your goals โ€” free, no obligation.

Get a Free ConsultationApply Now