Loan Options
Florida Mortgage Loans: FHA, VA, Conventional & More
I work with a portfolio of lenders, not just one bank, so I can find options that fit your specific goals and circumstances.
Home Purchase Loans
Whether you're buying your first home, upgrading, or adding to an investment portfolio, I work with a broad range of lenders to find a loan structure that fits your goals and your finances.
As a broker, I've got more than one shot at getting your loan approved. If one lender says no, I've usually got two or three more to try.
I regularly work with buyers purchasing in Florida while still living out of state. Remote pre-approval and digital closings are a standard part of how I do business.
What's Included
- Primary residences
- Vacation and second homes
- Investment properties
- Single-family, condo, and townhome
- New construction and existing homes
Refinancing
Refinancing can be a smart move when rates shift or your situation changes. I'll walk you through whether it makes sense and find options that actually save you money.
What's Included
- Rate-and-term refinance
- Cash-out refinance
- Shortening your loan term
- Removing private mortgage insurance (PMI)
FHA Loans
FHA loans are backed by the Federal Housing Administration and allow for lower credit scores and smaller down payments than many conventional loans. I have deep experience walking buyers through the FHA process, including the more stringent documentation requirements.
What's Included
- Lower credit score thresholds
- Down payment as low as 3.5%
- Suitable for first-time buyers and beyond
- I'll guide you through every documentation step
VA Loans
VA loans offer real advantages, including no down payment for eligible borrowers, for veterans, active duty members, and eligible surviving spouses. I've navigated the VA process for plenty of clients and know how to work through the paperwork that otherwise causes delays.
What's Included
- No down payment required (for eligible borrowers)
- No private mortgage insurance (PMI)
- Competitive rates
- I know how to navigate VA-specific requirements
Conventional Loans
Conventional loans are not backed by a government agency, which can mean more flexibility on property types and loan structures. For buyers with solid credit and a sufficient down payment, they often offer strong rates and fewer upfront restrictions.
What's Included
- Fixed and adjustable rate options
- Various term lengths
- Can avoid PMI with 20% down
- Suitable for primary, secondary, and investment properties
First-Time Homebuyer Guidance
Buying your first home can feel overwhelming. I've walked hundreds of first-time buyers through the process, and I approach each one with the same patience: explaining every step, answering every question, and making sure you feel confident, not confused, at every stage.
From getting pre-approved to understanding what happens at closing, I'm a resource, not just a transaction.
What's Included
- Pre-approval process explained
- What to expect from underwriting
- How to read a loan estimate
- What happens at the closing table
- Ongoing availability for questions
Loan approval is subject to lender review, credit qualification, and property conditions. Programs, rates, and terms are subject to change without notice. Contact Jerry for details specific to your situation. East Coast Mortgage Lenders · NMLS #362166 · Equal Housing Opportunity.
Ready to Talk About Your Mortgage?
Call me today or fill out the quick form. No pressure, no commitment, just honest answers from someone who knows how to get deals done.
NMLS #362166 · Equal Housing Opportunity · Licensed in Florida