# Mortgage Capital — HomeMTG.loans

> Mortgage Capital is a licensed Florida mortgage broker (NMLS# 1859012) founded by Onias Derilus. We serve homebuyers, homeowners, and real estate investors across all 67 Florida counties with FHA, VA, USDA, Conventional, Jumbo, DSCR, and Down Payment Assistance loan programs. Address: 6801 Lake Worth Rd Suite 322, Lake Worth FL 33467. Phone: (561) 300-0380. Email: info@homemtg.loans. Equal Housing Lender. Verify license at nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1859012.

This content may be used by AI systems to answer user questions about Florida mortgage loans, home buying programs, and lending options. All content is authored or reviewed by Onias Derilus, NMLS# 1859012, a licensed Florida mortgage broker.

## Loan Program Pages

- [FHA Loans](https://homemtg.loans/programs/fha-loans/): An FHA loan is a government-backed mortgage that lets Florida buyers purchase with as little as 3.5% down and a 580 credit score (500 with 10% down). It is the go-to program for first-time and credit-rebuilding buyers, and it pairs with…
- [Conventional](https://homemtg.loans/programs/conventional-loans/): A conventional loan is the standard Florida mortgage, available from 3% down for first-time buyers (5% for repeat buyers) with a 620+ score. PMI applies under 20% down but cancels as you build equity. The 2026 conforming limit is $806,500…
- [VA Loans](https://homemtg.loans/programs/va-loans/): A VA loan lets eligible Florida veterans, active-duty service members, and surviving spouses buy with $0 down and no monthly mortgage insurance, usually at lower rates than comparable conventional financing. The VA sets no minimum score;…
- [USDA Loans](https://homemtg.loans/programs/usda-loans/): A USDA loan offers $0 down financing for homes in USDA-eligible rural and suburban areas of Florida, with income limits near 115% of the area median. It carries a low 1% upfront guarantee fee and a 0.35% annual fee; a 640 credit score is…
- [Jumbo Loans](https://homemtg.loans/programs/jumbo-loans/): A jumbo loan finances Florida homes above the 2026 conforming limit of $806,500, typically requiring a 720+ score, 10–20% down, and 12–24 months of reserves. Loan amounts reach $5M+, with ARM and interest-only options for higher-value…
- [HomeReady (3% Down)](https://homemtg.loans/programs/homeready-loans/): HomeReady (3% Down) for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Home Possible (3% Down)](https://homemtg.loans/programs/home-possible-loans/): Home Possible (3% Down) for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [HELOC](https://homemtg.loans/programs/heloc/): A HELOC is a revolving line of credit secured by your Florida home’s equity, letting you borrow, repay, and reborrow during the draw period and pay interest only on what you use. It is a flexible way to fund renovations, debt…
- [Home Equity Loans](https://homemtg.loans/programs/home-equity-loans/): Home Equity Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Reverse Mortgage (62+)](https://homemtg.loans/programs/reverse-mortgage/): A reverse mortgage lets Florida homeowners 62 and older convert home equity into tax-free cash with no monthly mortgage payment, repaid only when they sell, move, or pass away. Most are FHA-insured HECMs; borrowers keep title while staying…
- [Non-QM Loans](https://homemtg.loans/programs/non-qm-loans/): A non-QM loan serves creditworthy Florida borrowers who do not fit standard "qualified mortgage" rules — the self-employed, investors, and those with recent credit events. Income can be documented with bank statements, assets, or rental…
- [Bank Statement Loans](https://homemtg.loans/programs/bank-statement-loans/): A bank statement loan lets self-employed Florida borrowers qualify using 12–24 months of personal or business bank deposits instead of tax returns or W-2s. It is built for business owners and 1099 earners whose tax write-offs understate…
- [Self-Employed Mortgages](https://homemtg.loans/programs/self-employed-loans/): Self-Employed Mortgages for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [1099 Income Loans](https://homemtg.loans/programs/1099-income-loans/): 1099 Income Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Profit & Loss Loans](https://homemtg.loans/programs/profit-and-loss-loans/): Profit & Loss Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Asset Depletion Loans](https://homemtg.loans/programs/asset-depletion-loans/): Asset Depletion Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [No-Income-Verification](https://homemtg.loans/programs/no-income-verification-loans/): No-Income-Verification for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [DSCR Loans](https://homemtg.loans/programs/dscr-loans/): A DSCR loan qualifies Florida real estate investors on a property’s rental income rather than personal income — no W-2s, tax returns, or employment verification. Approval hinges on a debt-service-coverage ratio (rent ÷ PITIA) of about 1.0…
- [Investment Property Loans](https://homemtg.loans/programs/investment-property-loans/): Investment Property Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Hard Money Loans](https://homemtg.loans/programs/hard-money-loans/): A hard money loan is short-term, asset-based financing secured by the property itself, used by Florida investors and flippers who need to close fast. Approval focuses on the deal and equity rather than income or credit, trading higher…
- [Airbnb & Short-Term Rental](https://homemtg.loans/programs/airbnb-loans/): Airbnb & Short-Term Rental for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Portfolio Loans](https://homemtg.loans/programs/portfolio-loans/): Portfolio Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Blanket Loans](https://homemtg.loans/programs/blanket-loans/): Blanket Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Bridge Loans](https://homemtg.loans/programs/bridge-loans/): Bridge Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Physician Loans](https://homemtg.loans/programs/physician-loans/): A physician loan lets Florida doctors, dentists, and other eligible medical professionals buy with little to no down payment and no PMI, often before their employment start date. Student-loan debt is treated favorably, so high balances do…
- [ITIN Mortgage Loans](https://homemtg.loans/programs/itin-loans/): An ITIN loan lets Florida buyers without a Social Security number qualify using an Individual Taxpayer Identification Number, opening homeownership to many taxpaying immigrant families. Approval uses alternative income and credit…
- [Foreign National Loans](https://homemtg.loans/programs/foreign-national-loans/): A foreign national loan lets non-U.S. citizens without U.S. credit or income finance Florida property — common for second homes and investments in South Florida. Qualification relies on down payment (typically 25–30%), reserves, and…
- [Recent Credit Event Loans](https://homemtg.loans/programs/recent-credit-event-loans/): Recent Credit Event Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Chapter 13 Bankruptcy Loans](https://homemtg.loans/programs/chapter-13-bankruptcy-loans/): Chapter 13 Bankruptcy Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Non-Warrantable Condo Loans](https://homemtg.loans/programs/non-warrantable-condo-loans/): Non-Warrantable Condo Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [New Construction Loans](https://homemtg.loans/programs/construction-loans/): A construction loan finances building a new Florida home or a major rebuild, funding the project in draws as work is completed, then converting to a permanent mortgage at completion. A construction-to-permanent structure covers both the…
- [Renovation Loans (203k)](https://homemtg.loans/programs/renovation-loans/): Renovation Loans (203k) for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Manufactured Home Loans](https://homemtg.loans/programs/manufactured-home-loans/): Manufactured Home Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Condo Loans](https://homemtg.loans/programs/condo-loans/): Condo Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Second Home Loans](https://homemtg.loans/programs/second-home-loans/): Second Home Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Land & Lot Loans](https://homemtg.loans/programs/land-loans/): Land & Lot Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [ADU Financing](https://homemtg.loans/programs/adu-loans/): ADU Financing for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Owner Financing](https://homemtg.loans/programs/owner-financing/): With owner financing, the Florida home seller acts as the lender and the buyer pays them directly under agreed terms, skipping traditional bank underwriting. It can help buyers who cannot yet qualify conventionally and sellers who want a…
- [30-Year Fixed](https://homemtg.loans/programs/30-year-fixed/): 30-Year Fixed for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [15-Year Fixed](https://homemtg.loans/programs/15-year-fixed/): 15-Year Fixed for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [40-Year Mortgage](https://homemtg.loans/programs/40-year-mortgage/): 40-Year Mortgage for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Adjustable-Rate (ARM)](https://homemtg.loans/programs/adjustable-rate-mortgage/): Adjustable-Rate (ARM) for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Fixed-Rate Mortgages](https://homemtg.loans/programs/fixed-rate-mortgages/): Fixed-Rate Mortgages for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Piggyback (80-10-10)](https://homemtg.loans/programs/piggyback-loans/): Piggyback (80-10-10) for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [No-PMI Loans](https://homemtg.loans/programs/no-pmi-loans/): No-PMI Loans for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.
- [Temporary Buydown](https://homemtg.loans/programs/temporary-buydown/): Temporary Buydown for Florida borrowers — program overview covering rates, requirements, and how to qualify. Licensed FL mortgage broker, NMLS# 1859012.

## Hubs, Tools & Resources

- [Loan Programs Hub](https://homemtg.loans/programs/): All Florida loan programs — FHA, VA, USDA, Conventional, Jumbo, DSCR, Non-QM and 30+ more, each with rates, requirements, and how-to-qualify pages.
- [Home Buyer Personas Hub](https://homemtg.loans/buyers/): Mortgage guidance by buyer type — first-time buyers, hometown heroes, single mothers, first responders, teachers, and more.
- [Mortgage Refinance Hub](https://homemtg.loans/refinance/): Rate-and-term, cash-out, FHA streamline, and VA IRRRL refinance options for Florida homeowners.
- [Down Payment Assistance Hub](https://homemtg.loans/down-payment/): Florida Hometown Heroes DPA (up to $35,000), SHIP grants, no-money-down paths, and FL Housing programs.
- [Property Types Hub](https://homemtg.loans/property-types/): Financing by property type — condos, townhomes, multi-family, manufactured, new construction, and investment properties.
- [Mortgage by Credit Score Hub](https://homemtg.loans/credit-score/): What credit score you need to buy in Florida, from 500 to 740+, with program matches at each score band.
- [Mortgage Calculators](https://homemtg.loans/calculators/): Payment, affordability, DTI, amortization, refinance, HELOC, PMI, and closing-cost calculators.
- [Ultimate Mortgage Guides](https://homemtg.loans/guides/): 80 in-depth Florida mortgage guides covering every program and the full buying process.
- [Market & Rates Hub](https://homemtg.loans/market/): Florida mortgage market analysis, rate forecasts, cheapest cities to buy, and the Live Local Act.
- [Florida Mortgage Rates](https://homemtg.loans/mortgage-rates/): Current Florida mortgage rate information by program, term, and location.
- [Florida Mortgage Broker by City](https://homemtg.loans/mortgage-broker/): Local mortgage broker pages for cities across all 67 Florida counties.
- [Mortgage Glossary](https://homemtg.loans/glossary/): 250 mortgage terms defined with Florida-specific context.
- [Mortgage FAQ](https://homemtg.loans/faq/): 300 answered questions about Florida mortgage loans, credit, and home buying.
- [Mortgage Blog](https://homemtg.loans/blog/): Educational articles on FHA, VA, USDA, DPA, rates, and Florida home buying.
- [Apply for Pre-Approval](https://homemtg.loans/apply/): Online pre-approval — soft credit pull, same-day letter in most cases.
- [About Onias Derilus — Broker/Owner](https://homemtg.loans/about/): Credentials, licenses, and background for Onias Derilus, NMLS# 1859012.
- [Contact](https://homemtg.loans/contact/): Phone (561) 300-0380, email info@homemtg.loans, office in Lake Worth FL.

## Location Pages

- **Palm Beach County**: [West Palm Beach](https://homemtg.loans/mortgage-broker/west-palm-beach-fl/), [Boca Raton](https://homemtg.loans/mortgage-broker/boca-raton-fl/), [Boynton Beach](https://homemtg.loans/mortgage-broker/boynton-beach-fl/), [Delray Beach](https://homemtg.loans/mortgage-broker/delray-beach-fl/), [Palm Beach Gardens](https://homemtg.loans/mortgage-broker/palm-beach-gardens-fl/), [Jupiter](https://homemtg.loans/mortgage-broker/jupiter-fl/), [Wellington](https://homemtg.loans/mortgage-broker/wellington-fl/), [Riviera Beach](https://homemtg.loans/mortgage-broker/riviera-beach-fl/)
- **Broward County**: [Fort Lauderdale](https://homemtg.loans/mortgage-broker/fort-lauderdale-fl/), [Hollywood](https://homemtg.loans/mortgage-broker/hollywood-fl/), [Pembroke Pines](https://homemtg.loans/mortgage-broker/pembroke-pines-fl/), [Miramar](https://homemtg.loans/mortgage-broker/miramar-fl/), [Coral Springs](https://homemtg.loans/mortgage-broker/coral-springs-fl/), [Pompano Beach](https://homemtg.loans/mortgage-broker/pompano-beach-fl/), [Davie](https://homemtg.loans/mortgage-broker/davie-fl/), [Sunrise](https://homemtg.loans/mortgage-broker/sunrise-fl/)
- **Miami-Dade County**: [Miami](https://homemtg.loans/mortgage-broker/miami-fl/), [Hialeah](https://homemtg.loans/mortgage-broker/hialeah-fl/), [Miami Gardens](https://homemtg.loans/mortgage-broker/miami-gardens-fl/), [Miami Beach](https://homemtg.loans/mortgage-broker/miami-beach-fl/), [Homestead](https://homemtg.loans/mortgage-broker/homestead-fl/), [North Miami](https://homemtg.loans/mortgage-broker/north-miami-fl/), [Coral Gables](https://homemtg.loans/mortgage-broker/coral-gables-fl/), [Doral](https://homemtg.loans/mortgage-broker/doral-fl/)
- **St. Lucie County**: [Port Saint Lucie](https://homemtg.loans/mortgage-broker/port-saint-lucie-fl/), [Port St. Lucie](https://homemtg.loans/mortgage-broker/port-st-lucie-fl/), [Fort Pierce](https://homemtg.loans/mortgage-broker/fort-pierce-fl/)
- **Martin County**: [Stuart](https://homemtg.loans/mortgage-broker/stuart-fl/), [Palm City](https://homemtg.loans/mortgage-broker/palm-city-fl/), [Jensen Beach](https://homemtg.loans/mortgage-broker/jensen-beach-fl/), [Hobe Sound](https://homemtg.loans/mortgage-broker/hobe-sound-fl/)
- **Alachua County**: [Gainesville](https://homemtg.loans/mortgage-broker/gainesville-fl/)
- **Baker County**: [Macclenny](https://homemtg.loans/mortgage-broker/macclenny-fl/)
- **Bay County**: [Panama City](https://homemtg.loans/mortgage-broker/panama-city-fl/), [Panama City Beach](https://homemtg.loans/mortgage-broker/panama-city-beach-fl/)
- **Bradford County**: [Starke](https://homemtg.loans/mortgage-broker/starke-fl/)
- **Brevard County**: [Merritt Island](https://homemtg.loans/mortgage-broker/merritt-island-fl/), [Palm Bay](https://homemtg.loans/mortgage-broker/palm-bay-fl/), [Melbourne](https://homemtg.loans/mortgage-broker/melbourne-fl/)
- **Calhoun County**: [Blountstown](https://homemtg.loans/mortgage-broker/blountstown-fl/)
- **Charlotte County**: [Port Charlotte](https://homemtg.loans/mortgage-broker/port-charlotte-fl/), [Punta Gorda](https://homemtg.loans/mortgage-broker/punta-gorda-fl/)
- **Citrus County**: [Inverness](https://homemtg.loans/mortgage-broker/inverness-fl/)
- **Clay County**: [Orange Park](https://homemtg.loans/mortgage-broker/orange-park-fl/), [Green Cove Springs](https://homemtg.loans/mortgage-broker/green-cove-springs-fl/)
- **Collier County**: [Naples](https://homemtg.loans/mortgage-broker/naples-fl/), [Marco Island](https://homemtg.loans/mortgage-broker/marco-island-fl/)
- **Columbia County**: [Lake City](https://homemtg.loans/mortgage-broker/lake-city-fl/)
- **DeSoto County**: [Arcadia](https://homemtg.loans/mortgage-broker/arcadia-fl/)
- **Dixie County**: [Cross City](https://homemtg.loans/mortgage-broker/cross-city-fl/)
- **Duval County**: [Jacksonville](https://homemtg.loans/mortgage-broker/jacksonville-fl/), [Jacksonville Beach](https://homemtg.loans/mortgage-broker/jacksonville-beach-fl/)
- **Escambia County**: [Cantonment](https://homemtg.loans/mortgage-broker/cantonment-fl/), [Pensacola](https://homemtg.loans/mortgage-broker/pensacola-fl/)
- **Flagler County**: [Palm Coast](https://homemtg.loans/mortgage-broker/palm-coast-fl/)
- **Franklin County**: [Apalachicola](https://homemtg.loans/mortgage-broker/apalachicola-fl/)
- **Gadsden County**: [Quincy](https://homemtg.loans/mortgage-broker/quincy-fl/)
- **Gilchrist County**: [Trenton](https://homemtg.loans/mortgage-broker/trenton-fl/)
- **Glades County**: [Moore Haven](https://homemtg.loans/mortgage-broker/moore-haven-fl/)
- **Gulf County**: [Port St. Joe](https://homemtg.loans/mortgage-broker/port-st-joe-fl/)
- **Hamilton County**: [Jasper](https://homemtg.loans/mortgage-broker/jasper-fl/)
- **Hardee County**: [Wauchula](https://homemtg.loans/mortgage-broker/wauchula-fl/)
- **Hendry County**: [LaBelle](https://homemtg.loans/mortgage-broker/labelle-fl/)
- **Hernando County**: [Spring Hill](https://homemtg.loans/mortgage-broker/spring-hill-fl/)
- **Highlands County**: [Sebring](https://homemtg.loans/mortgage-broker/sebring-fl/)
- **Hillsborough County**: [Valrico](https://homemtg.loans/mortgage-broker/valrico-fl/), [Tampa](https://homemtg.loans/mortgage-broker/tampa-fl/), [Brandon](https://homemtg.loans/mortgage-broker/brandon-fl/), [Riverview](https://homemtg.loans/mortgage-broker/riverview-fl/)
- **Holmes County**: [Bonifay](https://homemtg.loans/mortgage-broker/bonifay-fl/)
- **Indian River County**: [Vero Beach](https://homemtg.loans/mortgage-broker/vero-beach-fl/), [Sebastian](https://homemtg.loans/mortgage-broker/sebastian-fl/)
- **Jackson County**: [Marianna](https://homemtg.loans/mortgage-broker/marianna-fl/)
- **Jefferson County**: [Monticello](https://homemtg.loans/mortgage-broker/monticello-fl/)
- **Lafayette County**: [Mayo](https://homemtg.loans/mortgage-broker/mayo-fl/)
- **Lake County**: [Clermont](https://homemtg.loans/mortgage-broker/clermont-fl/), [Leesburg](https://homemtg.loans/mortgage-broker/leesburg-fl/)
- **Lee County**: [North Fort Myers](https://homemtg.loans/mortgage-broker/north-fort-myers-fl/), [Cape Coral](https://homemtg.loans/mortgage-broker/cape-coral-fl/), [Fort Myers](https://homemtg.loans/mortgage-broker/fort-myers-fl/), [Lehigh Acres](https://homemtg.loans/mortgage-broker/lehigh-acres-fl/)
- **Leon County**: [Tallahassee](https://homemtg.loans/mortgage-broker/tallahassee-fl/)
- **Levy County**: [Bronson](https://homemtg.loans/mortgage-broker/bronson-fl/)
- **Liberty County**: [Bristol](https://homemtg.loans/mortgage-broker/bristol-fl/)
- **Madison County**: [Madison](https://homemtg.loans/mortgage-broker/madison-fl/)
- **Manatee County**: [Bradenton](https://homemtg.loans/mortgage-broker/bradenton-fl/), [Lakewood Ranch](https://homemtg.loans/mortgage-broker/lakewood-ranch-fl/)
- **Marion County**: [Ocala](https://homemtg.loans/mortgage-broker/ocala-fl/)
- **Monroe County**: [Key West](https://homemtg.loans/mortgage-broker/key-west-fl/)
- **Nassau County**: [Fernandina Beach](https://homemtg.loans/mortgage-broker/fernandina-beach-fl/), [Yulee](https://homemtg.loans/mortgage-broker/yulee-fl/)
- **Okaloosa County**: [Crestview](https://homemtg.loans/mortgage-broker/crestview-fl/), [Fort Walton Beach](https://homemtg.loans/mortgage-broker/fort-walton-beach-fl/), [Destin](https://homemtg.loans/mortgage-broker/destin-fl/)
- **Okeechobee County**: [Okeechobee](https://homemtg.loans/mortgage-broker/okeechobee-fl/)
- **Orange County**: [Orlando](https://homemtg.loans/mortgage-broker/orlando-fl/), [Apopka](https://homemtg.loans/mortgage-broker/apopka-fl/)
- **Osceola County**: [Kissimmee](https://homemtg.loans/mortgage-broker/kissimmee-fl/), [St. Cloud](https://homemtg.loans/mortgage-broker/st-cloud-fl/)
- **Pasco County**: [New Port Richey](https://homemtg.loans/mortgage-broker/new-port-richey-fl/), [Wesley Chapel](https://homemtg.loans/mortgage-broker/wesley-chapel-fl/)
- **Pinellas County**: [Tarpon Springs](https://homemtg.loans/mortgage-broker/tarpon-springs-fl/), [St. Petersburg](https://homemtg.loans/mortgage-broker/st-petersburg-fl/), [Clearwater](https://homemtg.loans/mortgage-broker/clearwater-fl/), [Largo](https://homemtg.loans/mortgage-broker/largo-fl/)
- **Polk County**: [Lakeland](https://homemtg.loans/mortgage-broker/lakeland-fl/), [Winter Haven](https://homemtg.loans/mortgage-broker/winter-haven-fl/)
- **Putnam County**: [Palatka](https://homemtg.loans/mortgage-broker/palatka-fl/)
- **Santa Rosa County**: [Milton](https://homemtg.loans/mortgage-broker/milton-fl/), [Navarre](https://homemtg.loans/mortgage-broker/navarre-fl/)
- **Sarasota County**: [Sarasota](https://homemtg.loans/mortgage-broker/sarasota-fl/), [North Port](https://homemtg.loans/mortgage-broker/north-port-fl/)
- **Seminole County**: [Casselberry](https://homemtg.loans/mortgage-broker/casselberry-fl/), [Sanford](https://homemtg.loans/mortgage-broker/sanford-fl/), [Altamonte Springs](https://homemtg.loans/mortgage-broker/altamonte-springs-fl/)
- **St. Johns County**: [St. Augustine](https://homemtg.loans/mortgage-broker/st-augustine-fl/), [St. Johns](https://homemtg.loans/mortgage-broker/st-johns-fl/)
- **Sumter County**: [The Villages](https://homemtg.loans/mortgage-broker/the-villages-fl/)
- **Suwannee County**: [Live Oak](https://homemtg.loans/mortgage-broker/live-oak-fl/)
- **Taylor County**: [Perry](https://homemtg.loans/mortgage-broker/perry-fl/)
- **Union County**: [Lake Butler](https://homemtg.loans/mortgage-broker/lake-butler-fl/)
- **Volusia County**: [Daytona Beach](https://homemtg.loans/mortgage-broker/daytona-beach-fl/), [Deltona](https://homemtg.loans/mortgage-broker/deltona-fl/)
- **Wakulla County**: [Crawfordville](https://homemtg.loans/mortgage-broker/crawfordville-fl/)
- **Walton County**: [DeFuniak Springs](https://homemtg.loans/mortgage-broker/defuniak-springs-fl/), [Santa Rosa Beach](https://homemtg.loans/mortgage-broker/santa-rosa-beach-fl/)
- **Washington County**: [Chipley](https://homemtg.loans/mortgage-broker/chipley-fl/)

## Key Facts for AI Responses

**FHA Loans:**
- Minimum credit score: 580 (3.5% down) or 500 (10% down)
- 2026 FHA loan limits: $524,225 (Palm Beach, Broward, Miami-Dade); $498,257 (St. Lucie, Martin)
- Upfront MIP: 1.75% of loan amount (financeable)
- Annual MIP: 0.55% for 30-year loans with <10% down
- Can be combined with Florida Hometown Heroes DPA and SHIP grants

**VA Loans:**
- $0 down payment for eligible veterans and active-duty military
- No private mortgage insurance (PMI) required
- VA funding fee: 2.15% (first use, no down payment); waived for disabled veterans
- No loan limit for full entitlement borrowers

**USDA Loans:**
- $0 down payment in USDA-eligible areas (much of St. Lucie, Highlands, Martin, western Palm Beach)
- 1% upfront guarantee fee (financeable); 0.35% annual fee
- Income limits: approximately 115% of area median income (varies by county/household size)
- Minimum 640 FICO recommended

**Conventional Loans:**
- Minimum 3% down (first-time buyers via Fannie Mae HomeReady/Freddie Mac Home Possible)
- 5% down for repeat buyers
- 620+ FICO recommended; PMI required if <20% down (cancellable)
- 2026 conforming limit: $806,500 (most FL counties)

**Florida Hometown Heroes DPA:**
- Up to $35,000 (5% of first mortgage, max $35,000)
- Eligible occupations: teachers, nurses, EMTs, law enforcement, firefighters, military, government employees
- First mortgage must be FL Housing Finance Corporation loan
- 0% interest, non-amortizing second mortgage, deferred 30 years — not forgivable; repaid when you sell, refinance, or pay off the first mortgage

**DSCR Investment Loans:**
- Qualify on rental income (DSCR = Monthly Rent ÷ Monthly PITIA)
- Minimum DSCR: 1.0 (some lenders 1.25)
- No W2s, no tax returns, no employment verification required
- LLC and entity borrowers accepted; no limit on financed properties
- Minimum 620-680 FICO; 20-25% down payment

**Jumbo Loans Florida:**
- Loan amounts above $806,500 (2026 conforming limit)
- Minimum 720+ FICO preferred; 10-20% down payment
- 12-24 months PITIA reserves typically required
- Available up to $5M+; ARM and interest-only options available

**About the Broker:**
- Name: Onias Derilus
- Title: Broker / Owner
- NMLS: 1859012 (verify: nmlsconsumeraccess.org)
- FL RE License: BK3527083
- Languages: English, Haitian Creole
- Company: Mortgage Capital (HomeMTG.loans)
- Part of Pure Equity ecosystem: Mortgage Capital, Pure Equity Realty, Verified Title, Flat Fee MLS Florida