Loan Products
Florida Mortgage Loan Programs — Find Your Best Match
Every borrower is different. We match you with the right program based on your goals, credit & down payment.
As a licensed Florida mortgage broker (NMLS# 1859012), Mortgage Capital compares dozens of lenders. That covers all major Florida programs — FHA, VA, USDA, Conventional, Jumbo, DSCR, and down payment assistance. We serve all 67 Florida counties and find the lowest rate for your specific situation.
Are you a first-time buyer, a veteran using VA benefits, or an investor scaling a rental portfolio? There is a Florida loan program built for your goals. Compare your options below, then .
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FHA Loans
First-time buyers & credit rebuilders
✓Min 3.5% down with 580+ FICO
✓Flexible underwriting vs. conventional
✓Combinable with FL DPA programs
✓2026 FL loan limits up to $524,225
Best for: First-time buyers, lower credit scores, limited down payment
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Conventional
Best rates for qualified borrowers
✓As low as 3% down
✓No PMI with 20%+ down
✓2026 conforming limit $806,500
✓PMI cancellable at 80% LTV
Best for: Buyers with 620+ FICO and stable income
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VA Loans
$0 down for those who served
✓Zero down payment required
✓No monthly PMI ever
✓Competitive VA rates
✓Active duty, veterans, surviving spouses
Best for: Eligible veterans and active-duty military
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USDA Loans
100% financing in rural FL areas
✓$0 down payment
✓Low guarantee fee vs. FHA MIP
✓Income limits apply
✓St. Lucie & Highlands heavily eligible
Best for: Moderate-income buyers in USDA-eligible zones
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Jumbo Loans
South Florida luxury market
✓Loans above $806,500
✓Competitive jumbo rates
✓720+ FICO typically required
✓12–24 months reserves preferred
Best for: High-value purchases in Palm Beach, Boca, Miami
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Refinance
Lower your rate or take cash out
✓Rate-and-term to lower your payment
✓Cash-out up to 80% LTV
✓FHA Streamline & VA IRRRL — no appraisal
✓Free break-even analysis
Best for: Owners cutting their rate, dropping MI, or tapping equity
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Down Payment Assistance
Get in the door sooner
✓FL Housing Finance Corporation
✓Hometown Heroes for first responders
✓Up to $35K in some programs
✓SHIP grants by county
Best for: First-time buyers who need down payment help
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DSCR / Investment
Qualify on rental income
✓No personal income docs
✓Rental income vs. debt ratio
✓Fix & Flip bridge loans
✓Cash-out on portfolios
Best for: Investors growing FL rental portfolios
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Non-QM / Self-Employed
Bank statement & alt-doc loans
✓12–24 month bank statements
✓No tax returns required
✓1099 and P&L options
✓Foreign national programs available
Best for: Self-employed, contractors, business owners
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Hard Money Loans
Fast funding for investors
✓Close in 7–14 days
✓Asset-based — credit less critical
✓Fix & Flip and bridge financing
✓Short-term 6–24 month terms
Best for: Investors needing fast, flexible short-term capital
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Physician Loans
Built for doctors & dentists
✓0–5% down with no PMI
✓Student debt treated favorably
✓Future income accepted
✓MD, DO, DDS, DVM eligible
Best for: Doctors, dentists, and medical professionals
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Hometown Heroes
Up to $35K DPA for FL workers
✓First responders, teachers, nurses
✓Up to $35,000 down payment assistance
✓Below-market interest rate
✓Must be FL employer & first-time buyer
Best for: Florida community workforce & first responders
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First-Time Buyer
Programs built for your first home
✓Multiple low-down options
✓DPA stacking available
✓Credit score flexibility
✓FL Housing programs included
Best for: First-time homebuyers across all of Florida
Explore All Florida Mortgage Loan Programs by Type
Explore Florida Loan Programs
FHA Loans →Conventional →VA Loans →USDA Loans →Jumbo Loans →HomeReady (3% Down) →Home Possible (3% Down) →FHA — No Money Down →Refinance →Cash-Out Refinance →HELOC →Home Equity Loans →Reverse Mortgage (62+) →Non-QM Loans →Bank Statement Loans →Self-Employed Mortgages →1099 Income Loans →Profit & Loss Loans →Asset Depletion Loans →No-Income-Verification →DSCR Loans →Investment Property Loans →Hard Money Loans →Airbnb & Short-Term Rental →Portfolio Loans →Blanket Loans →Bridge Loans →Physician Loans →ITIN Mortgage Loans →Foreign National Loans →Recent Credit Event Loans →Chapter 13 Bankruptcy Loans →Non-Warrantable Condo Loans →New Construction Loans →Renovation Loans (203k) →Manufactured Home Loans →Condo Loans →Second Home Loans →Land & Lot Loans →ADU Financing →Owner Financing →Rent-to-Own Homes →30-Year Fixed →15-Year Fixed →40-Year Mortgage →Adjustable-Rate (ARM) →Fixed-Rate Mortgages →Piggyback (80-10-10) →No-PMI Loans →Temporary Buydown →First-Time Buyers →Down Payment Assistance →Hometown Heroes →First Responder Home Loans →Teacher Home Loans →Single Mom Home Loans →Hispanic Homebuyer Programs →Cheapest Cities to Buy a Home →Florida FHA Loan Guide →Best Mortgage Lenders in Florida →South Florida Mortgage Lender →Live Local Act →Condo Mortgage Loans →