Loan options
Seven ways to finance a Florida home
Every program below is a different set of rules about income, credit, and down payment. My job is knowing all of them cold — and matching your file to the lender who wants exactly your kind of borrower. If you're not sure where you fit, skip the reading and just call me.
Conventional
The workhorse — 30-year, 15-year, and everything between
The standard route for buyers with steady income and fair-to-strong credit. Lower down payments than most people assume for qualified first-time buyers.
See the details →FHA
The first-time buyer's friend
Government-insured, forgiving on credit, with lower down-payment requirements. The most common way first-time Miami buyers get in the door.
See the details →VA
Zero down for those who served
For veterans, active-duty service members, and eligible surviving spouses: no down payment, no monthly mortgage insurance.
See the details →Jumbo
For homes above the conforming limit
Financing for South Florida properties priced beyond conventional loan limits — with lender options that keep large loans competitive.
See the details →Investor / DSCR
Qualify on the property's rent, not your tax returns
For rental-property investors: the property's cash flow does the qualifying. No W-2s, no tax returns, scale past four doors.
See the details →Foreign National
U.S. property without U.S. credit history
For international buyers investing in Florida: programs built for buyers without U.S. credit, income, or residency.
See the details →Construction
Finance the build, then the home
Construction-to-permanent financing for ground-up builds and major renovations — one qualifying process, from lot to keys.
See the details →The next step
15 minutes with Ingrid beats a week of googling.
No obligation, no pressure. Tell her where you are — she'll tell you exactly what's possible and what happens next.