LOAN PROGRAMS
More ways to qualify.
One clear comparison.
The right program depends on your income, credit, assets, property, occupancy, timeline, and long-term goals. Explore the options below, then compare the complete numbers with Wes.
FINANCING CATEGORY
Purchase
Conventional Loans
Compare conventional mortgage options for Florida primary homes, second homes, and investment properties with Wes Short.
Explore this option →FHA Loans
Learn how FHA financing, mortgage insurance, down payments, gifts, appraisals, and property requirements work for eligible Florida buyers.
Explore this option →VA Loans
Explore the VA home loan benefit for eligible Florida veterans, service members, and surviving spouses with Wes Short.
Explore this option →USDA Loans
Learn about USDA property eligibility, household-income limits, occupancy, and potential zero-down home financing in Florida.
Explore this option →FINANCING CATEGORY
Affordability
Down-Payment Assistance
Explore Florida Housing, Hometown Heroes, SHIP, and other down-payment and closing-cost assistance options with Wes Short.
Explore this option →First-Time Homebuyers
Compare FHA, conventional, VA, USDA, and assistance while planning payment and cash to close as a Florida first-time buyer.
Explore this option →FINANCING CATEGORY
Self-employed
Self-Employed Mortgages
Compare tax-return and alternative-documentation mortgage options for Florida business owners, contractors, and self-employed borrowers.
Explore this option →Bank-Statement Loans
Learn how eligible self-employed Florida borrowers may use personal or business bank statements to document mortgage income.
Explore this option →1099 Income Loans
Explore traditional and alternative mortgage options for Florida independent contractors and borrowers paid on Form 1099.
Explore this option →Profit-and-Loss Options
Learn how eligible Florida business owners may document mortgage income through a profit-and-loss statement under select programs.
Explore this option →Asset-Utilization Loans
Explore mortgage qualification that may convert eligible liquid assets into calculated income for qualified Florida borrowers.
Explore this option →COMPARE BEFORE YOU CHOOSE
The documentation method
is only one part.
Alternative-documentation and investment programs can have different rates, fees, down payments, reserves, prepayment provisions, and property requirements. Wes will compare the complete structure and current investor availability.
Build my loan plan →