Florida Mortgage Options
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Popular Florida Mortgage Programs
Explore the program that best matches your goals, then request a quote when you are ready.
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.
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.
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.
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.
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.
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.
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.
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).
Shopping for a mortgage in Florida?
Mortgage pricing and qualification can vary based on loan program, property type, occupancy, credit profile, down payment, income, debt, and market conditions. Beacon Mortgage can help you compare available options without relying on a one-size-fits-all estimate.