Mortgage Loan Options

Whether you're buying your first home, upgrading, investing, or financing a commercial property, Beacon Mortgage has the right loan for you. Explore our programs below.

Residential Loans

Conventional Loans

Conventional loans are the most common mortgage option for homebuyers with solid credit and a stable income. They offer competitive interest rates, flexible terms from 10 to 30 years, and require as little as 3% down for qualified borrowers.

Learn More →

FHA Loans

FHA loans are government-backed mortgages designed for first-time homebuyers and those with less-than-perfect credit. They feature low down payments starting at 3.5%, flexible qualification guidelines, and competitive interest rates insured by the Federal Housing Administration.

Learn More →

VA Loans

VA loans are exclusive mortgage benefits for veterans, active-duty service members, and eligible surviving spouses. They offer zero down payment, no private mortgage insurance, and competitive rates backed by the U.S. Department of Veterans Affairs.

Learn More →

Jumbo Loans

Jumbo loans are designed for high-value properties that exceed conforming loan limits set by the Federal Housing Finance Agency. They provide financing for luxury homes and premium real estate with competitive rates for well-qualified borrowers.

Learn More →

USDA Loans

USDA loans are zero-down-payment mortgages backed by the U.S. Department of Agriculture for eligible rural and suburban homebuyers. They offer below-market interest rates, reduced mortgage insurance costs, and flexible credit requirements for low-to-moderate income borrowers.

Learn More →

Refinance Loans

Refinance loans allow homeowners to replace their existing mortgage with a new one, typically to secure a lower interest rate, reduce monthly payments, shorten the loan term, or tap into home equity. Options include rate-and-term refinance and cash-out refinance.

Learn More →

HELOC

A Home Equity Line of Credit (HELOC) lets homeowners borrow against the equity in their property as needed, similar to a credit card. HELOCs offer flexible draw periods, interest-only payment options, and competitive variable rates for qualified borrowers.

Learn More →

Reverse Mortgage

Reverse mortgages allow homeowners aged 62 and older to convert a portion of their home equity into cash without selling their home or making monthly mortgage payments. The most common program is the FHA-insured Home Equity Conversion Mortgage (HECM).

Learn More →

Commercial Loans

Commercial Real Estate Loans

Commercial real estate loans provide financing for income-producing properties including office buildings, retail centers, warehouses, and multifamily complexes. These loans offer flexible terms tailored to the property type and the borrower's investment strategy.

Learn More →

SBA Loans

SBA loans are partially guaranteed by the U.S. Small Business Administration, offering favorable terms for small business owners who need to purchase commercial property or fund business expansion. Programs include the SBA 7(a) and SBA 504 loans with long repayment terms and lower down payments.

Learn More →

Bridge Loans

Bridge loans are short-term financing solutions that help borrowers close quickly on a new property while awaiting the sale of an existing asset or securing permanent financing. They are ideal for time-sensitive transactions where speed is critical.

Learn More →

Construction Loans

Construction loans provide short-term financing for building new commercial or residential properties from the ground up. Funds are disbursed in stages as construction milestones are met, and the loan typically converts to permanent financing upon project completion.

Learn More →

We Serve All of Florida

Click any location to see available loan programs in your area.