Conventional Loan
The go-to for buyers with steady income and solid credit — down payments as low as 3%, no upfront mortgage insurance, and PMI that drops off at 20% equity. Example: a Lakewood Ranch buyer with a 740 score puts 5% down and skips FHA's lifetime mortgage insurance.

FHA Loan

Government-backed and forgiving on credit — down payments as low as 3.5% and flexible qualifying. Example: a first-time Bradenton buyer with a 620 score and limited savings gets approved when a conventional loan won't work.

 

VA Loan
For active-duty service members, veterans, and eligible spouses — 0% down, no PMI, and competitive rates. Example: a Sarasota veteran buys with no down payment and rolls the funding fee into the loan.
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USDA Loan
0% down financing for eligible homes in qualifying rural and suburban areas of Southwest Florida. Example: a buyer in an outlying Manatee County community finances 100% of the purchase price.
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Jumbo Loan
Financing above the conforming loan limit for higher-priced Sarasota and Lakewood Ranch homes. Example: a buyer purchasing a $1.2M waterfront property finances it in a single loan.
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Bank Statement / Non-QM Loan
Our specialty for the self-employed — qualify on 12–24 months of bank deposits instead of tax returns. Example: an owner whose tax returns show low net income qualifies on their real monthly deposits.
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DSCR Investor Loan
Qualify an investment property on its own rental income, not your personal income — most require no income docs. Example: an investor buys a Venice rental that cash-flows and qualifies on the rent alone.
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Renovation Loan
Roll the purchase price and renovation costs into a single loan. Example: a buyer finances a dated home plus a $60k kitchen and bath remodel in one mortgage.
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Construction Loan
Build from the ground up, with one-time-close options that convert to a permanent mortgage. Example: a family builds a custom home on a Lakewood Ranch lot with a single closing.
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HELOC / Home Equity
Tap your existing equity with a revolving line of credit for renovations, debt consolidation, or investment. Example: a homeowner draws against their equity to fund a remodel without touching their low first-mortgage rate.
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Down Payment Assistance
State- and county-sponsored programs that help cover your down payment and closing costs. Example: an eligible first-time buyer pairs an FHA loan with a Florida assistance program to lower the cash needed at closing.

Not sure which fits?

As independent brokers, we shop 20+ lenders to match your exact situation including the self-employed and investor options most banks don't offer.

 

Call or text (941) 315-2112 for a free, no-pressure conversation.​