FHA Loans
First-Time Buyers
Low down payment options with flexible qualification paths.
Learn MoreBuying + Refinance
Loan Programs
First time buyer focused options across Florida, plus refinance reviews to help homeowners decide when the math makes sense.
Conventional Loans
Low Down Options
Competitive financing with flexible terms for qualified buyers.
Learn MoreVA Loans
Veterans
Eligible veterans and service members may qualify for zero-down options.
Learn MoreUSDA Loans
Eligible Areas
Zero-down financing in eligible areas for qualified borrowers.
Learn MoreRefinance Review
Goal-Based Options
Lower payment, remove MI, cash-out, debt consolidation, or HELOC comparison based on real math.
Learn MoreNeed help with upfront costs
Some first time buyers may qualify for down payment assistance, depending on program rules, location, and available funding. The cleanest starting point is usually FHA, because many assistance programs can pair with it. I will help you confirm what is available for your area and scenario.
Assistance options vary by county and provider, eligibility and availability change.
Work with a verified Florida mortgage advisor
Scott Mason | Mortgage Loan Originator / Mortgage Advisor
NMLS 2576892 | Loan Factory NMLS 320841
Serving Florida statewide with deep focus in Central Florida, home base Polk County, including Orlando and the communities around Disney
Verify my license on NMLS Consumer Access
Rates and terms subject to change. Not a commitment to lend. Equal Housing Lender.
Not Sure Which Option Fits Best?
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