Three ways to start. Pick what fits.
Different loans, different rules, different paperwork. If you already know which program you want, jump straight to the dedicated application page. Not sure yet? Use the three paths below, and we'll help you pick.
Best for first-time buyers and credit rebuilders. 3.5 percent down with a 580 credit score, gift funds allowed for the full down payment.
Apply for an FHA LoanBest for active-duty service members, veterans, and eligible surviving spouses. Zero down payment, no monthly mortgage insurance.
Apply for a VA LoanBest for buyers in qualifying rural and suburban zip codes. Zero down payment with household income under the local USDA cap.
Apply for a USDA LoanBest for buyers with 620-plus credit and 3 to 5 percent down who want to skip or cancel mortgage insurance once equity grows.
Apply for a Conventional LoanBest for homes priced above the 2026 conforming limit of $806,500. Higher reserves and credit bar, but competitive pricing.
Apply for a Jumbo LoanBest for investors qualifying on rental income instead of personal income. No tax returns, LLC title allowed, short-term rentals welcome.
Apply for a DSCR LoanSame destination, a real pre-approval letter you can attach to a purchase offer. Three ways to get there.
The full application takes 10 to 15 minutes. Most clean files get a same-day decision.
Secure portal hosted by PRMG. Opens in a new tab.
Pick a 30-minute slot that works for you. We'll walk through your numbers and tell you which program fits before you fill anything out.
30 minutes, no commitment.
Talk to a licensed loan officer right now. We're available evenings and weekends, including Sundays.
Average wait under 60 seconds.
We're powered by PRMG (Paramount Residential Mortgage Group), one of the largest privately held mortgage banks in the country. Most files run in-house through PRMG's full product menu: FHA, VA, USDA, conventional, jumbo, and DSCR, which means one application, one credit pull, one underwriting team that closes loans every day. We also hold NMLS broker authority (#1429533), so on the rare files that fit better with a different wholesale lender, we can place them. Headquartered in Tampa, we serve buyers and investors nationwide.
Eligibility rules vary a bit by loan program, but the list below covers the common ground. If you check most of the boxes, you're a strong candidate for at least one of our programs. If you don't, the fastest way to know is still to apply or schedule a call, we'll tell you where you stand.
Gather these before you start the online application or jump on a call. Anything you don't have, we can usually request directly from your employer or bank during processing.
A current driver's license, state ID, or passport for every person on the loan.
W-2s if you're salaried, 1099s and federal tax returns if you're self-employed or commission-based.
Most recent pay stubs covering a full month. Bonus and overtime should show too if they're part of your qualifying income.
All accounts you'll use for down payment, closing costs, or reserves. Big deposits need a paper trail, so flag anything unusual.
Monthly minimums on auto loans, student loans, credit cards, and any installment plans. We pull credit, but knowing this helps us pre-shape the file.
If a family member is helping with the down payment, we'll provide a gift letter template. The donor will also need to show the source of the funds.
No black box. Here's the actual sequence after your application lands with our team, whether you came in online or scheduled a call.
We pull credit, run an automated underwriting check, and confirm your income and asset numbers line up. You'll get a text or email letting you know we have everything we need, or what's still missing.
If your file is clean, we issue a real pre-approval letter you can send to your agent and attach to offers. If we need to dig in (self-employment, recent credit events, multiple income sources), we set up a call within 24 hours to walk through it.
Submission to underwriting, appraisal, conditional approval, then clear to close. We move as fast as you and the seller's side allow. Our 14-day target only works when everyone, including the title company and appraiser, plays along.
If you're buying outside Florida, skip ahead. We work nationwide and the next section won't apply to your file. If you're buying in Florida, this is where a Tampa-based brokerage earns its keep over an out-of-state online lender. County-level FHA, VA, and conventional loan limits sit well above the national floor in our biggest metros, which changes what you can finance. Miami-Dade, Broward, and Palm Beach all carry high-cost ceilings that push FHA purchases into the $800,000s. Hillsborough, Pinellas, Orange, and Duval all carry limits comfortably above local median prices. An out-of-state online lender may quote you against the national number and tell you the deal doesn't fit. We quote against the actual county cap.
Hurricane and flood insurance change the qualifying math. Windstorm policies in coastal counties can add hundreds of dollars a month to PITI, which compresses your debt-to-income ratio. Flood zones (especially AE and VE) trigger required flood coverage that needs to be priced before we commit to a number. We model the full insurance cost into your pre-approval, so you don't get surprised at day 10 of a 14-day close when the binder lands.
Florida condo project approval, HOA assessments, post-Surfside structural integrity reviews, homestead exemption math, DPA stacking (Hometown Heroes, Florida Assist, county programs), and the local title and appraiser network all matter. A Florida-based broker who structures these files every week catches issues before you waste an earnest-money deposit on a property that won't fund. That's the difference between closing and circling back to the drawing board.
That depends on your down payment, credit score, property type, and how you'll use the home. FHA is friendly for first-time buyers and credit rebuilders. VA is the strongest option if you have military service. USDA works in qualifying rural or suburban Florida zip codes with no down payment. Conventional fits stronger credit profiles and helps you skip or cancel mortgage insurance. Jumbo covers high-value homes above the conforming limit. DSCR is for investors qualifying on rental income. Apply online or schedule a call and we'll line up the right program for your file.
Program floors vary. FHA starts at 580 for the 3.5 percent down path (500-579 with 10 percent down). VA and USDA typically look for 620 to 640. Conventional starts at 620, with the best pricing at 740 and above. Jumbo usually needs 700 to 740 plus reserves. DSCR starts around 660. We pull credit once and your report works for every program we quote.
Most clean files get a pre-approval letter the same day they apply. Complex files (self-employed, multiple income sources, recent credit events, investor DSCR cases) may take 24 to 48 hours. We tell you what to expect within minutes of receiving your application, so there's no waiting in the dark.
No. There is no fee to apply, no fee to get pre-approved, and no fee to talk to a loan officer. You will pay standard third-party costs (appraisal, credit report, title) once you go under contract, and those are disclosed up front on your Loan Estimate.
We're powered by PRMG, one of the largest privately held mortgage banks in the country, so most files originate, process, underwrite, and fund in-house through PRMG's full product menu: FHA, VA, USDA, conventional, jumbo, and DSCR. Because we're not bouncing your file to a wholesale desk, we move faster and control the timeline end-to-end. We also hold NMLS broker authority (#1429533), which means on the rare files that fit better with a different wholesale lender, we can shop and place them. Pricing stays competitive with both broker and retail channels. If you want to compare, bring us a Loan Estimate and we'll tell you whether we can match, beat, or honestly recommend you take the other offer.
Pre-qualification is a light-touch look at your numbers, often without pulling credit, that gives you a ballpark budget. Pre-approval is the real thing: credit pulled, income and assets reviewed, automated underwriting run. A pre-approval letter is what most sellers want to see attached to an offer. We issue pre-approvals, not just pre-qualifications, so your offer lands with weight.
Yes. Self-employed and 1099 files are a regular part of our book. We typically need two years of federal tax returns plus year-to-date profit and loss. If your tax returns understate your income (common with legitimate write-offs), ask about bank statement loans, P&L-only programs, or DSCR if the property is an investment. There's almost always a path when the income is real.
Complicated files are where a broker earns their keep. Recent credit events, non-traditional income, LLC-title investment purchases, condo project issues, gift funds from outside the country, co-borrowers not on title, divorce or probate situations. We have seen most of them. Apply online or schedule a call, tell us the wrinkle up front, and we'll tell you the path.
Yes on FHA, VA, USDA, and conventional (conventional with some limits on primary vs second home). The donor has to be a family member or another approved source, the gift has to be documented with a gift letter, and we need to show where the funds came from. We will walk you through the paperwork before the funds move.
A mortgage application includes a hard credit pull, which typically moves a score by a few points and rebounds within a couple of months. Credit bureaus treat multiple mortgage inquiries within a 14 to 45 day window as a single event, so shopping rates doesn't compound the hit. If you are rate-shopping, do your pulls inside that window.
Yes. We work with buyers and investors nationwide. Florida is our home market and where the deepest local expertise (county loan limits, hurricane and flood insurance math, condo project approvals, DPA stacking) lives, but we originate loans across the country, including for active-duty service members stationed overseas.
The online application runs on PRMG's secure portal. Data is encrypted in transit and at rest, and access is limited to the licensed loan officers on your file. We never sell your information and we won't contact you with unrelated marketing. See our privacy policy for the full detail.
Three ways to start. Pick what feels right.
