Loan Programs

We have most any situation covered!

We offer a variety of different loan programs, so regardless of what your financial goals are, we have an option that will best fit your needs. 

Fixed Rate Mortgage: If you are more of a “play it safe” kind of borrower, then a fixed rate mortgage might be your best option. With this loan, you will be offered a set interest rate that will not fluctuate throughout your loan term. This means you can plan out your finances since you will know exactly how much you owe every month towards your Tampa home loan

Adjustable Rate Mortgage (ARM): If you are looking for a cheaper initial interest rate then you should look into an ARM. This option is dependent on the economy, which means your monthly payments could rise or fall throughout your amortization period. A benefit though is that you are generally offered a lower interest rate to start with. 

First Time Home Buyer: Available with as little as 1% down, although most put down 3%.  There are several programs available, so contact us to learn more about which program would best fit your individual situation.

FHA: If you have a low credit score, low income, or a low down payment then an FHA loan would be perfect for you. This loan is a government-backed loan and is offered through the Federal Housing Administration. To qualify, you can have a credit score as low as 500 and are only required to pay 3.5% towards your down payment. 

VA: Are you currently employed in the armed forces or have retired from the military? If so, you could qualify for a VA loan administered through the United States Department of Veteran Affairs. If you meet the active duty or reservist qualifications, you could benefit from a home loan that offers affordable housing and has a zero down payment requirement. 

USDA: Administered through the United States Department of Agriculture, a USDA loan is for borrowers located in rural areas and it offers low-interest rates and also has a zero down payment requirement. 

Renovation: If you are looking to renovate your home or a home that you’d like to purchase but do not have the finances to do so, you could qualify for one of our loans to help fund this project. Please contact us at 813-255-2557 for more details. 

Teachers: If you are a teacher, you have the opportunity to become a homeowner with the Florida Educator Mortgage Benefits Program. This gives teachers the opportunity to receive affordable rates on a mortgage. 

Jumbo Loan: If you are wanting to purchase a large piece of property and would like to apply for a loan that exceeds the normal borrowing limits, you can apply for a Jumbo Loan. You will need to have good credit and a stable income in order to qualify.