My Florida

Loan Programs

Government Loans

  • FHA–The FHA Home Loan Program is a guaranteed Government Insured mortgage. These loans are a great option for first time homebuyers with a lower credit score. Minimum credit score 500 with a 10% down payment; 580 and above with a 3.5% down payment.

  • USDA — This program is for low to moderate income families looking to purchase in rural areas in the United States. Allows 100% financing with no down payment and a 640 minimum credit score.

  • VA–A VA loan is a mortgage loan in the United States guaranteed by the Department of Veterans Affairs (VA). The program is for American veterans, military members currently serving in the U.S. military, reservists, and can be used to purchase single-family homes, condominiums, multi-unit properties, manufactured homes, and new construction

Contact us for more information and requirements. Hablamos Español.

VA loans offer several benefits to eligible borrowers:

  • No down payment requirement
  • No private mortgage insurance (PMI)
  • Limited closing costs

The Team Partner You Can Trust