Resources
Home loan guide
Which loan fits the home you want — explained simply, for Palm Beach and Broward buyers and investors.
FHA loanBest for: First-time buyersGovernment-insured loans with low down payments and flexible credit guidelines, popular with first-time buyers.Buyers with smaller down paymentsCredit still being rebuiltRead the guide VA loanBest for: Veterans and active-duty buyersZero-down financing for eligible veterans, service members and surviving spouses.Buyers who want to keep cash in reserveRead the guide Conventional loanBest for: Buyers with solid creditLoans that follow Fannie Mae and Freddie Mac guidelines, up to the annual conforming loan limit.Second homes and investment propertiesRead the guide Jumbo loanBest for: Luxury and waterfront purchasesFinancing above the conforming limit — common for waterfront and estate homes on the coast.Buyers with strong reservesRead the guide DSCR loanBest for: Rental investorsInvestor loans qualified on the property's rent instead of your personal income.Self-employed buyersBuyers growing a portfolioRead the guide Bank-statement loanBest for: Business ownersNon-QM loans that use 12–24 months of bank deposits to show income.Commission and 1099 earnersRead the guide HELOCBest for: Owners with equityA line of credit against your home's equity — often used for renovations or a bridge to the next purchase.RenovationsBuy-before-you-sell plansRead the guide Rate buydownBest for: Buyers negotiating seller creditsUsing seller credits or points to lower the interest rate for the first years or the life of the loan.Buyers expecting income growthRead the guide
Run the numbers with our lender tools or the mortgage calculator.