Conventional Loans

Conventional loans are available to borrower that meet guidelines set by Fannie Mae & FreddieMac. Fixed and adjustable rate mortgages are available under this product for the following purposes

  • Purchase Loans up to 97% Loan to value
  • Rate & Term refinance loans up to 97% Loan to value
  • Cash out loan up to 80% Loan to value
  • Investment properties up to 80% loan to value
  • Homestyle renovation available as well

VA Loans

We are a nationwide lender on VA Loans. If you are Veteran, Reservist or Active duty you can qualify for a VA loan. Listed below are the VA loan programs


  • Purchase loans up to 100% loan to value
  • Cash out loans up to 100% Loan to value
  • VA IRRRL – Non income qualifying refinance
  • VA High Balance loan up to $1 Million
  • 550 minimum FICO score

FHA Loans

FHA loans are designed for low to moderate income borrowers with flexible underwriting requirements. Listed below are FHA loan programs


  • Purchase loans up to 96.50% Loan to value
  • 550 Min score requirement
  • Gift funds allowed for down payment
  • 203K Rehabilitation Loans
  • FHA Streamline Refinance (non- income qualifying)
  • FHA High balance loan up to $729,750.00

Jumbo Mortgages

  • We offer Jumbo loans of up to $3,000,000 with competitive rates
  • We offer FHA Jumbo loans in High Cost areas with a down payment of just 3.5%
  • Super conforming loans- above GSE limit in designated areas

Alternate Lending Products

  • Bank Statement Loans – lending based on bank deposits, ideal for contractors or business owners.
  • Blemished Credit
  • Professional Real Estate Investor Loans
  • Assets as income
  • Foreign National Loans
  • Non-warrantable Condo

Home Equity & Renovation loans 203(K)

  • We offer stand alone 2nd mortgages for home improvements or in connection with a first mortgage to purchase a home.

We are here to help make

your dreams a reality

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1578 Softshell St,

St Cloud, FL 34771

Contact Us

Phone : + 407 754 6581

Our Hours

MON-FRI 9:00 – 5:00

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