Loan Programs

Mortgage programs for every buyer, explained simply

The right loan program can save you thousands and open doors you thought were closed. Explore your options below --- then let Loni match the right program to your life.

All loan programs are subject to qualification, underwriting approval, and program availability.

Conventional Loans

Flexible, competitive financing for well-qualified buyers

Explore Conventional

FHA Loans

Low down payment and flexible credit guidelines

Explore FHA

VA Loans

Earned benefits for Florida's veterans and service members

Explore VA

USDA Loans

Zero-down financing for eligible rural and suburban areas

Explore USDA

Jumbo Loans

Financing for luxury homes and equestrian estates

Explore Jumbo

First-Time Homebuyer Loans

A clear, guided path to your very first set of keys

Explore First-Time Buyer

Down Payment Assistance Programs

Florida programs that bring homeownership within reach

Explore Down Payment Assistance

Investment Property Loans

Financing for rentals in one of Florida's strongest markets

Explore Investment Property

DSCR Loans

Qualify on the property's income --- not yours

Explore DSCR

Bank Statement Loans

Qualify with your deposits, not your tax returns

Explore Bank Statement

Self-Employed Borrower Loans

Mortgage solutions built for business owners

Explore Self-Employed

Non-QM Loans

Flexible financing for borrowers outside the traditional box

Explore Non-QM

Foreign National Loans

Florida home financing for international buyers

Explore Foreign National

ITIN Loans

Home financing for buyers with an ITIN

Explore ITIN

Construction Loans

Build your dream home on your own piece of Florida

Explore Construction

Renovation Loans

Buy it, fix it, love it --- all with one loan

Explore Renovation

Bridge Loans

Buy your next home before you sell your current one

Explore Bridge

Reverse Mortgages

Retirement flexibility for homeowners 62 and better

Explore Reverse Mortgage

Second-Home Loans

Your Central Florida getaway, financed wisely

Explore Second Home

Vacation-Home Loans

Financing for Florida's best escape --- yours

Explore Vacation Home

Manufactured-Home Financing

Real financing for real homes --- including manufactured

Explore Manufactured Homes

Condo & Townhome Financing

Low-maintenance living, expertly financed

Explore Condos & Townhomes

Not sure which program fits? That's Loni's job.

One conversation and you'll know exactly which programs you qualify for --- and which one serves you best.

Apply Now Schedule a Call with Loni Call or Text Loni Calculate My Payment