Purchase Home Loans in Florida

We offer a full range of purchase loan programs to meet the needs of today’s homebuyers, from first-time buyers to high-net-worth clients. With our in-house processing, wholesale pricing, and a wide selection of programs, including our most popular non-QM loan programs, we make it easier to secure the right loan for your Florida home purchase.

Conventional Loan Programs (FNMA / FHLMC)

Program Highlights

  • Financing available up to 97% loan-to-value (LTV)
  • HomeReady® and Home Possible® programs available for qualified buyers
  • Property Inspection Waivers (PIW) available through automated underwriting (DU)
  • Simplified income options, including W-2 only programs
  • Reduced documentation with as few as 1 year of tax returns
  • Flexible debt-to-income ratios per automated underwriting approvals
  • Ability to use non-occupant co-borrowers with blended qualifying ratios
  • Manufactured homes eligible (Fannie Mae guidelines)
  • Transferred appraisals accepted in eligible scenarios
  • Access to programs like RefiNow™ for qualified borrowers
  • Adjustable-Rate Mortgage (ARM) options available

Jumbo Highlights

  • Loan amounts up to $5,000,000 for purchase and refinance
  • Available for purchase, rate-and-term refinance, and cash-out
  • 30-year fixed options, along with alternative non-standard terms
  • No private mortgage insurance (PMI) required
  • For borrowers seeking higher loan limits and customized financing structures

Non-QM Loan Programs

  •  Bank Statement Loans (12 or 24 months for self-employed borrowers)
  •  DSCR Loans for real estate investors (no personal income required)
  •  Asset Utilization Loans (qualify using liquid assets)
  •  P&L Only Programs (CPA-prepared profit & loss statements)
  •  1099 Income Programs
  •  VOE (Verification of Employment Only) Loans
  •  Interest-Only Options Available
  •  Foreign National Programs
  •  ITIN Loans Available
  •  No Tax Return Options for qualified borrowers
  • Flexible credit guidelines with lower FICO options
  • Available for primary residences, second homes, and investment properties

These programs allow you to qualify using alternative documentation and expanded guidelines, making homeownership possible even when conventional options fall short.