The right loan for your life, explained in plain English
Here are the loan options I help South Florida buyers use most. You don't have to figure out which one fits on your own. That's what our first call is for.
First-Time Homebuyers
Never bought before? See how the process works, what you'll need, and which programs to ask about.
First-time buyer guide →Florida Down Payment Assistance
Help with your down payment or closing costs may be available, including Florida's Hometown Heroes program and local county and city programs. Funding changes often. Check current availability with me.
Find programs with the DPA Lookup →FHA Loans
Backed by the Federal Housing Administration, FHA loans offer flexible credit guidelines and a low down payment option. They're a popular fit for first-time buyers and for anyone rebuilding credit.
- Flexible credit and debt-to-income guidelines
- Low down payment option
- Can be combined with some down payment assistance programs
VA Loans
For eligible veterans, active-duty service members, and qualifying surviving spouses. VA loans are a benefit you've earned, and I'll help you understand your eligibility and use it well.
- Down payment flexibility for eligible borrowers
- No monthly mortgage insurance
- Help getting your Certificate of Eligibility (COE)
Conventional Loans
Conventional loans aren't backed by a government agency and offer flexible options for buyers with solid credit, including low down payment programs.
- Low down payment options for qualified buyers
- Mortgage insurance that can be removed later, per guidelines
- Primary homes, second homes, and investment properties
Condo Financing
South Florida is condo country, and condos come with their own rules. The building itself has to meet lender guidelines, so I look at the association, reserves, and any inspection or assessment issues early.
- Condo questionnaire and association review guidance
- Help spotting building issues before you're under contract
- Options for warrantable and non-warrantable condos, subject to eligibility
Jumbo Loans
For homes above the conforming loan limit.
- Financing for higher-priced homes
- Primary and second homes
- Clear guidance on documentation and reserves
Refinancing
Change your term, remove mortgage insurance, move from an adjustable to a fixed rate, or tap your equity. We'll look honestly at whether refinancing actually makes sense for you.
- Rate-and-term and cash-out refinances
- FHA Streamline and VA IRRRL
- No-pressure review of your current loan
Eligibility rules apply. Ask me what you may qualify for.
Refinancing explained →Investors & DSCR Loans
Qualify on a Florida rental property's income and close in an LLC, subject to guidelines.
Investor loans →All loans subject to credit approval, underwriting guidelines, and program availability. Not all applicants will qualify. Down payment assistance programs have income, purchase price, and other eligibility limits and are subject to funding availability.
My promise to you
Clear answers, genuine support, and one trusted lender with you every step of the way. When you reach out, you're talking to me, and your information stays with me.
Not sure which loan fits?
Tell me a little about your goals and I'll walk you through your options in plain English. No pressure.
Get Pre-Approved opens my secure online application portal in a new tab. Or get a custom quote first.
Call or text 954-990-3163 · Office 561-266-2621 · brittanny.ferguson@libertyml.com