The right loan
for
every dream
Six programs, and the right one usually needs far less money down than people expect.
Here's what each does, in plain language.
Six programs. One that fits you.
Filter by what sounds like you. Nothing here is a quote — a licensed loan officer will confirm what you actually qualify for.
3.5%
Down from
A perfect loan for first-time home buyers, or anyone who needs a low down payment option.
3%
Down from
A fixed-rate loan with low down payment options, and mortgage insurance that cancels once you reach 20% equity.
0%
Down from
Zero down in eligible areas — and the map covers far more of Florida than most buyers expect.
0%
Down from
Exclusive home loan benefits for those who served — no down payment and no monthly mortgage insurance.
10%
Down from
For a mortgage above the conforming loan limit, where guidelines and pricing vary most between lenders.
62+
Minimum age
Seniors can turn home equity into cash with no payment due while they remain in the home.
See what you actually
qualify for
The programs above are the theory. This is where you find out which ones apply to you, what the payment would really be, and how much you'd need at closing.
Apply onlineThanks — that's everything we need
Bill or a member of the team will call you back, usually the same business day, with the programs that actually fit. Need us sooner? Call (561) 389-1582.
Unsurpassed service.
Apply online.
Start your application from your phone and finish it at your desk. Whether you're buying, refinancing or just exploring, we're here to help.
FrequentlyAsked Questions
No — and it's the single most common reason people delay buying. Conventional starts at 3% down, FHA at 3.5%, and VA and USDA can require nothing at all. The trade-off is mortgage insurance and a higher payment, which is worth weighing against several more years of saving.
It usually comes down to credit. FHA is more forgiving of past credit events and starts at 3.5% down, but its insurance typically stays for the life of the loan. Conventional needs stronger credit, starts at 3%, and its PMI cancels at 20% equity — which can be worth thousands over time.
USDA uses its own eligibility map and the boundaries surprise people — plenty of areas that feel suburban still qualify. There are also household income limits by county. Send us an address and we'll check both in a couple of minutes.
Often, yes. You'll use one loan program, but it can frequently be paired with assistance run by your state or county. These are consistently underused because buyers don't know they exist — ask us which ones you'd qualify for.
For the right situation it's a genuine option; for the wrong one it's expensive. The balance grows rather than shrinks, and it affects what's left to heirs. HUD counselling is required for good reason. We're glad to walk through it with your family present, and to compare it against downsizing or a HELOC first.