Home Loans For All Home Buyers

HOW SOON DO YOU WANT TO BUY A HOME?

I’M READY NOW, I’VE FOUND A HOME.

Apply online to find a mortgage as perfect as that property you found.

I WANT TO START LOOKING AT HOMES.

Before house hunting, you need an approval letter. Apply for one online for free.

I’M JUST BEGINNING TO RESEARCH.

Answer a few questions and learn what you can afford – no credit pull required.

Home Loan Programs

Florida Pro Mortgage offers a wide range of loan products and programs. Whether you are an A+ borrower with excellent credit history and strong finances, a first time homebuyer, retired, or have an adverse credit history. Our team of professional Mortgage Loan Originators can help find you the best product to meet your specific needs.

Conventional Mortgages

A “conventional” (conforming) mortgage is a loan that conforms to established guidelines for the size of the loan and your financial situation. Conventional loans may feature lower interest rates than jumbo loans, FHA loans or VA loans. Terms of these conventional loans typically range from 10 to 30 years.

Fixed-Rate Mortgages

The term “fixed-rate mortgage” refers to a home loan that has a fixed interest rate for the entire term of the loan. This means that the mortgage carries a constant interest rate from beginning to end. Fixed-rate mortgages are popular products for consumers who want to know how much they’ll pay every month.

FHA Loans

A Federal Housing Administration (FHA) loan is a mortgage that is insured by the FHA and issued by an FHA-approved lender. FHA loans are designed for low- to moderate-income borrowers. They require a lower minimum down payment and lower credit scores than many conventional loans do.

USDA Loans

USDA loans are low-interest mortgages with zero down payments designed for low-income Americans who don’t have good enough credit to qualify for traditional mortgages. You must use a USDA loan to buy a home in a designated area that covers several rural and suburban locations

VA Loans

A VA loan is a mortgage offered through a U.S. Department of Veterans Affairs program. VA loans are available to active and veteran service personnel and their surviving spouses, and are backed by the federal government but issued through private lenders.

Jumbo Loans

A jumbo loan is a type of financing that exceeds the limits set by the Federal Housing Finance Agency and cannot be purchased, guaranteed, or securitized by Fannie Mae or Freddie Mac. Homeowners must undergo more rigorous credit requirements than those applying for a conventional loan.

Home Loans

Preapproval is the process of determining how much money you can borrow to buy a home. To preapprove you, we look at your income, assets and credit score and determine what loans you could be approved for, how much you can borrow and what your interest rate might be.

Loan Refinance

If you would like to lower your monthly mortgage payment, change the terms of your loan or consolidate debt, you may want to consider refinancing. Since you’ve already been through the mortgage process, you’ll find that refinancing may help you reach your financial goals.