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Loan Programs

Choose your loan wisely

Our mission is to equip you with the knowledge and confidence needed to navigate the mortgage landscape like a pro.

So, whether you're dreaming of your forever home or looking to refinance, join us on this journey to financial empowerment. Let's ensure you choose your home loan wisely and embark on the path to homeownership with confidence and peace of mind.

Conventional Fixed Rate Mortgages (FRM)

The traditional 30- and 15-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper. By locking in a fixed interest rate, borrowers shield themselves from fluctuations in the market, ensuring that their monthly mortgage payments remain affordable and manageable over the duration of the loan term. This stability not only simplifies budgeting but also offers peace of mind, allowing homeowners to focus on enjoying their homes without the worry of rising interest rates.

United States Department of Agriculture (USDA) Loans

The United States Department of Agriculture (USDA) gives out a variety of loans to help low- or moderate-income people buy, repair or renovate a home in a rural area. Some of the popular types of loans are: the single family direct homeownership loan, the single family guaranteed homeownership loan, the rural repair and rehabilitation loan or grant and the mutual self-help loan. This guide will help you figure out what these loans are and whether you qualify. Though the terms and details of these loans differ, all offer very low effective interest rates (some are as low as 1 percent) and don’t require a cash down payment. To qualify, you need to have a decent credit history.

Jumbo Loans

A jumbo loan is a specialized financial product that surpasses the standard conforming loan limits established by government-sponsored enterprises like Fannie Mae and Freddie Mac. These loan limits vary depending on the location and are adjusted annually to reflect changes in the housing market. As of the latest update in 2022, the conforming loan limit for most areas in the United States stands at $647,200. However, certain high-cost areas such as Alaska, Hawaii, Guam, and the U.S. Virgin Islands have higher limits, set at $970,800.

Home Affordable Refinance

The Home Affordable Refinance Program (HARP) stands as a beacon of hope for homeowners facing the challenges of negative equity or near-negative equity in their homes. Established by the Federal Housing Finance Agency (FHFA) in March 2009, amidst the tumultuous aftermath of the housing crisis, HARP was designed as a lifeline for underwater and near-underwater homeowners seeking relief from burdensome mortgage payments.

FHA Mortgage Loans

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments. It was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.

Reverse Mortgage Loans

A reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA) and allow homeowners to convert their home equity into cash with no monthly mortgage payments. With this, seniors have the flexibility to convert a portion of their home's equity into usable funds, which can be received as a lump sum, a line of credit, or fixed monthly payments. Unlike traditional mortgages, where borrowers make regular payments to the lender, a reverse mortgage allows homeowners to defer repayment until they move out of the home, sell the property, or pass away.

VA Mortgage Loans

A VA loan, or Veterans Affairs loan, is a specialized mortgage product available exclusively to current and former members of the United States Armed Forces, as well as their eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs (VA), this loan program offers veterans and their families unique advantages and benefits for purchasing or refinancing a home. Created with the noble intention of providing long-term financing solutions to those who have served their country, VA loans are guaranteed by the VA, mitigating risk for lenders and enabling eligible borrowers to access favorable terms and conditions. These loans can be obtained through qualified lenders, including banks, credit unions, and mortgage companies, who partner with the VA to extend financing to eligible applicants.

Hometown Heroes Loans

"Hometown Heroes Loans" are specialized mortgage programs designed to provide unique benefits and incentives to individuals who serve their communities, such as military service members, law enforcement officers, firefighters, emergency medical technicians (EMTs), teachers, nurses, municipal workers, and non-profit organization employees. These loans typically offer reduced interest rates, down payment assistance, and closing cost assistance, making homeownership more accessible to those who may not have substantial savings or resources. With more flexible eligibility criteria and specialized support throughout the mortgage process, Hometown Heroes Loans aim to recognize and support the valuable contributions of these individuals while helping them achieve their dreams of homeownership.

Contact Info


41040 US Highway 27 Suite 1

Davenport, FL 33837

Call: (407) 605 3111


With over 30 years combined experience in the mortgage and real estate industries

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