Florida loan programs.
An independent broker compares dozens of wholesale lenders to identify the program that genuinely fits your situation. Here's an overview of every loan type Debbie originates.
Reverse Mortgage
Convert home equity into tax-free funds without monthly mortgage payments. FHA-insured HECM and proprietary options.
Learn more → First HomeFirst-Time Buyer Loans
Florida-specific down payment assistance (Hometown Heroes, Florida Bond), reduced PMI options, and step-by-step guidance.
Learn more → Most CommonConventional Loans
Traditional fixed and adjustable financing for borrowers with strong credit. As little as 3% down for first-time buyers.
Learn more → Flexible QualifyingFHA Loans
Government-insured loans with lower credit thresholds and 3.5% down. Ideal for first-time buyers and credit-rebuilding borrowers.
Learn more → Veterans & Active DutyVA Loans
$0 down, no PMI, competitive rates for eligible veterans, active-duty service members, and surviving spouses.
Learn more → Lower Your PaymentRefinance & HELOC
Lower your rate, shorten your term, or access equity through cash-out refinancing or a home equity line of credit.
Learn more →Not sure which is right?
Take 2 minutes — call Debbie at 727-688-2851. There's no fee for the conversation, no application required, and no high-pressure pitch. Often the right program becomes obvious within the first few questions.
Government-backed vs. conventional — the first fork in the road.
FHA, VA & USDA
Insured or guaranteed by federal agencies — the government doesn't lend the money, it backs the loan against default. That guarantee lets approved lenders extend more flexible terms.
- Lower credit thresholds (FHA from 580, VA flexible)
- Smaller down payments (FHA 3.5%, VA $0, USDA $0)
- Gift funds widely allowed
- Shorter waiting periods after past credit events
Fannie Mae & Freddie Mac
Conforms to underwriting guidelines set by the two government-sponsored enterprises that buy mortgages on the secondary market. Not government-insured.
- Strongest pricing for credit scores 700+
- 3% down available via HomeReady / Home Possible
- PMI is removable once you reach 20% equity
- Wider property types (second homes, investments)
What dozens of wholesale lenders means for you.
Banks and direct lenders sell their own products. As an independent broker, Debbie has access to dozens of wholesale lenders — and shops the program, rate, and structure that genuinely fit your situation.
That means if Conventional is cheaper for you long-term, you get Conventional. If FHA + Florida Hometown Heroes nets you the lowest cash-to-close, you get that. Same person, same conversation, more options on the table.
Run a quick payment estimate.
Get a ballpark monthly principal & interest in under 30 seconds, then drill down into refinance break-even on the dedicated calculator.