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Home Loan Types & Strategies
There is no single “best” mortgage. The right loan depends on your
credit, down payment, income, military status, and price range.
Use this page as a simple, visual menu of options. Click any tile to see
more detail, pros and cons, and what those loans look like in Central Florida.
Explore Loan Options
Conventional Loans
Standard conforming loans backed by Fannie Mae and Freddie Mac.
Often used by buyers with solid credit and at least a small down payment.
- As little as 3–5% down for qualifying buyers
- More flexible property types than many programs
- Great for primary homes, second homes and some rentals
View Conventional Details
FHA Loans
Designed for buyers who need more flexibility with credit history or
higher debt-to-income ratios, with low minimum down payments.
- Low down payment options
- More forgiving on past credit challenges
- Great for many first-time buyers
View FHA Details
VA Loans (Eligible Veterans)
Powerful benefit for eligible Veterans, active duty, and some surviving spouses.
Often allows no down payment and very competitive terms.
- Zero-down options for eligible borrowers
- No monthly mortgage insurance on most VA loans
- Can work well even at higher price points
View VA Options
USDA Rural / Suburban
Zero-down financing in eligible areas for qualifying income ranges.
Often a strong fit outside the core metro areas of Central Florida.
- Zero down for eligible areas and incomes
- Must meet location and income limits
- Great for buyers open to more suburban / rural locations
USDA Overview
Jumbo Loans
Financing for homes above the standard conforming loan limits. Designed
for stronger buyers purchasing in higher price ranges.
- For price ranges above conforming limits
- Stronger income, credit and reserves usually required
- Often used for move-up and executive homes
Jumbo Loan Guide
Refinance & Strategy
Already own a home? Explore options to lower payments, shorten the term,
consolidate debt or tap equity for improvements and investment.
- Rate-and-term refinance plans
- Cash-out equity for projects or debt pay-off
- Strategies for higher-rate loans from previous years
Request Refi / Strategy Review
Which Loan Type Might Fit You?
If you want the lowest possible down payment
- FHA and some Conventional programs can start as low as 3–3.5% down
- VA and USDA may offer zero-down for eligible buyers
- Down payment assistance may layer on top in certain cases
If you had past credit challenges
- FHA and some specialty programs may be more flexible
- We review your credit history and timelines together
- We can also create a plan to raise scores before you buy
If you are a Veteran or active duty
- VA is often the first place we look
- We compare VA to Conventional and Jumbo (when needed)
- Goal: lowest total cost and strongest long-term fit
Use this page to explore, then use the calculators and a quick conversation with me to narrow it down.
Next Steps – Turn Options into a Plan
2. Quick Strategy Call
We match your credit, down payment and timeline with the loan types that actually make sense – including
what your total payment might look like in the real world.
3. Pre-Approval & Home Search
Once we pick a loan lane, we can get you pre-approved and tie the financing to real homes in the MLS –
looking at taxes, insurance and HOA fees so there are no surprises.
Start Your Loan Strategy