Florida Mortgage Loan Programs
Compare mortgage programs for home purchases, refinancing, first-time
buyers, veterans, self-employed borrowers, real estate investors,
foreign nationals, luxury properties, commercial real estate, and
eligible homeowners age 62 and older.
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Featured Florida Loan Programs
Start with one of our most frequently requested mortgage programs.
Select an option below to review qualification, documentation,
down-payment, property, and refinancing information.
Additional Florida Mortgage Solutions
Explore additional financing for first-time buyers, Florida workers,
real estate investors, international buyers, and commercial properties.
First-Time Home Buyer Programs
Low-down-payment loans, assistance programs, grants, gift funds,
seller contributions, and other eligible homebuyer options.
Florida Hometown Heroes
Down-payment and closing-cost assistance for eligible Florida
workers, subject to current funding and program requirements.
DSCR Investor Loans
Rental-property financing that may qualify using the property’s
expected rental income instead of traditional personal income.
Foreign National Mortgages
Florida financing for eligible non-U.S. buyers purchasing second
homes, vacation properties, condos, and investment properties.
Commercial Mortgage Loans
Financing for multifamily, office, retail, warehouse, mixed-use,
self-storage, and selected owner-occupied business properties.
Specialty Mortgage Options
Asset qualification, 1099 income, profit-and-loss statements,
bridge financing, private loans, ITIN, and other specialty options.
Compare Programs From Multiple Wholesale Lenders
The right mortgage depends on your income, credit, assets, down
payment, property type, occupancy, loan amount, reserves, and
long-term plans—not simply the advertised interest rate.
Greg Hayden and Mortgages Done Right Inc. compare traditional and
specialty programs from more than 25 wholesale lenders rather than
limiting every borrower to one bank’s product menu.
Mortgage Programs for Florida Homeowners and Buyers
Explore financing for primary residences, second homes, vacation
properties, refinances, and first-time home purchases.
Conventional Loans
Fixed-rate and adjustable-rate mortgage options for primary homes,
second homes, investment properties, purchases, and refinances.
First-Time Home Buyer Programs
Conventional, FHA, VA, low-down-payment, and assistance options for
eligible Florida homebuyers.
Jumbo Loans
Financing for higher-value homes, luxury properties, larger loan
amounts, complex income, and borrowers with substantial assets.
Reverse Mortgages
Home-equity options for eligible homeowners age 62 and older,
including home purchase and refinance scenarios.
Specialty and Non-QM Mortgage Programs
Alternative qualification methods may help business owners,
independent contractors, retirees, investors, and borrowers whose
finances do not fit standard bank guidelines.
Bank Statement Loans
Qualify using eligible personal or business bank deposits when tax
returns do not accurately reflect available income.
DSCR Investor Loans
Rental-property loans that may qualify using the property’s rental
income rather than traditional personal-income documentation.
Foreign National Mortgages
Florida financing for eligible non-U.S. buyers purchasing second
homes, vacation properties, condos, and investment real estate.
Investor and Non-QM Loans
Options may include 1099 income, profit-and-loss statements,
interest-only payments, asset qualification, and other alternative
documentation programs.
Commercial and Real Estate Investor Loans
Mortgages Done Right works with lenders offering financing for
rental properties, multifamily buildings, mixed-use properties,
offices, retail centers, warehouses, self-storage, and certain
owner-occupied business properties.
Single-family homes, condos, and residential investment properties
Duplexes, triplexes, fourplexes, and larger apartment properties
Office, retail, warehouse, mixed-use, and specialty property financing
Short-term options for eligible time-sensitive or nontraditional transactions
More Mortgage Programs Available
Not every mortgage option requires its own page. Greg can also review
the following programs based on current lender availability and your
specific qualifications.
Warrantable, limited-review, non-warrantable, and selected condotel programs
Options for retirees and asset-rich borrowers with limited traditional income
Short-term financing for eligible investors and time-sensitive transactions
Access home equity without necessarily replacing an existing first mortgage
Owner-occupied and investor options for two-to-four-unit properties
Financing for eligible new-home construction and property improvements
Eligible home financing in qualifying rural and suburban Florida areas
Selected options may be available for eligible borrowers using an ITIN
Do not see your exact situation?
Mortgage programs and lender guidelines change. Call Greg at
561-777-7622 to discuss the property,
income, assets, credit, and financing goals involved.
Which Florida Mortgage Program May Fit Your Situation?
A first-time buyer may prioritize a low down payment. A veteran may
want to compare VA benefits. A self-employed borrower may need bank
statements or alternative documentation. An investor may need DSCR,
bridge, private, or commercial financing.
Working with more than 25 wholesale lenders gives Greg Hayden the
ability to compare multiple approaches based on the borrower and
property instead of relying on a single bank’s program menu.
Compare Florida Mortgage Options With Greg Hayden
Speak directly with an experienced mortgage broker about your home
purchase, refinance, condo, investment property, self-employed
income, commercial property, or reverse mortgage scenario.