Florida Mortgage Loan Programs
Find the right mortgage for your situation. Government-backed, conventional, self-employed, specialty, and refinance options — all available statewide.
Government-Backed Loans
FHA Loans
Low down payment and flexible credit requirements backed by the Federal Housing Administration.
Learn MoreVA Loans
Zero down payment and no PMI for eligible veterans, active-duty service members, and surviving spouses.
Learn MoreUSDA Loans
Zero down payment for eligible rural and suburban properties in designated Florida areas.
Learn MoreConventional Loans
Conventional Loans
Traditional financing with competitive rates. Options for 3% down with strong credit.
Learn MoreJumbo Loans
Financing above Florida conforming limits for luxury homes and high-value properties.
Learn MoreFixed Rate Mortgages
Predictable monthly payments that never change. Available in 15-year and 30-year terms.
Learn MoreAdjustable Rate Mortgages
Lower initial rates with periodic adjustments. Ideal for shorter-term ownership or refinance plans.
Learn MoreSelf-Employed & Business Owner Programs
Denied by a big bank because of your tax returns? You have options. Home Financial Group specializes in borrowers with strong credit and assets but non-traditional income documentation.
Self-Employed Mortgage Hub
Overview of all programs designed for business owners, freelancers, and 1099 contractors.
Learn MoreBank Statement Loans
Use 12 or 24 months of bank statements to prove your real cash flow instead of tax returns.
Learn MoreP&L Only Loans
Qualify with a CPA-prepared profit and loss statement. No bank statements or tax returns required.
Learn MoreAsset Depletion Loans
Convert retirement accounts, brokerage holdings, and savings into qualifying mortgage income.
Learn MoreDSCR Loans
Qualify investment properties based on rental income alone. No personal income verification needed.
Learn MoreNo-Ratio Loans
No debt-to-income calculation required. For high-asset borrowers who want minimal documentation.
Learn MoreSpecialty Programs
Foreign National Mortgages
Financing for non-US citizens purchasing property in Florida. No SSN or US credit history required.
Learn MoreReverse Mortgages
Convert home equity into tax-free income for homeowners age 62 and older. No monthly mortgage payments.
Learn More203k Renovation Loans
Finance both the purchase and renovation of a home with a single FHA-backed loan.
Learn MoreNot Sure Which Loan Is Right for You?
Answer a few questions about your income, credit, and goals — our qualifier tool will show you which programs you may be eligible for.
Try the Loan QualifierReady to Apply? Get Pre-Approved Today.
Talk to a Home Financial Group loan officer about which program fits your situation. Pre-approval typically takes 24 to 48 hours.