All Loan Programs
From conventional purchase loans to cutting-edge Non-QM programs — we work with 50+ wholesale lenders to match you with the best mortgage for your specific situation. One call, multiple options.
Conventional, FHA & VA Loans
Traditional purchase loans for primary residences. FHA allows 3.5% down with 580+ credit. VA loans offer 0% down for eligible veterans. Conventional starts at 3% down with 620+ credit.
Learn More →FHA Loans
Government-insured loans with as little as 3.5% down and flexible credit requirements. Ideal for first-time buyers and those rebuilding credit. Low down payment, low barriers to entry.
Learn More →VA Loans
0% down payment loans for eligible U.S. veterans, active-duty service members, and surviving spouses. No private mortgage insurance required. One of the most powerful loan benefits available.
Learn More →Jumbo Loans
Financing above the conforming loan limit ($806,500 in 2025). Ideal for luxury properties in Brickell, Coral Gables, Miami Beach, and similar high-value markets. Requires strong credit and reserves.
Learn More →Bank Statement Loans
Qualify using 12–24 months of bank deposits instead of tax returns. Perfect for self-employed borrowers, business owners, freelancers, and contractors with strong cash flow.
Learn More →Asset-Based Loans
Qualify using liquid assets (savings, investments, retirement funds) as imputed income. No employment or income documentation required. Ideal for retirees and high-net-worth individuals.
Learn More →Doctor / Physician Program
Specialized high-LTV mortgage for MDs, DOs, DDS, and other licensed medical professionals — even those with student loan debt or fresh employment. Low down payment, no PMI.
Learn More →Foreign National Loans
Mortgage programs for non-U.S. citizens purchasing property in Florida. No SSN or U.S. credit history required. Popular with buyers from Latin America, Europe, and Canada.
Learn More →No Income Verification
Qualify without traditional income documentation — no W-2s, no tax returns, no pay stubs. Uses bank statements, asset verification, or property cash flow. For complex borrower profiles.
Learn More →Non-Warrantable Condo Loans
Financing for condominiums that do not meet Fannie/Freddie guidelines — due to high investor concentration, pending litigation, or budget issues. Common in Miami's luxury condo market.
Learn More →LLC Property Loans
Finance investment property in the name of your LLC. Provides liability protection and clean business accounting. Available for single-family, multi-family, and condo investment properties.
Learn More →DSCR Investment Loans
Qualify based on the property's rental income, not your personal income. No tax returns required. Perfect for landlords, Airbnb hosts, and portfolio investors building wealth through real estate.
Learn More →Fix & Flip Loans
Short-term bridge financing for investors who buy, renovate, and resell properties for profit. Fast approvals, funding for purchase + rehab costs, flexible draw schedules.
Learn More →Refinance (Rate & Term)
Replace your existing mortgage with a lower rate, better term, or both. Reduce your monthly payment or pay off your home faster. Available for primary, second homes, and investment properties.
Learn More →HELOC / Business Capital
Tap your home equity as a revolving line of credit. Ideal for business owners, renovations, debt consolidation, or any large or ongoing financial need. Variable rate, interest-only during draw period.
Learn More →The right mortgage program depends on your financial situation, property type, and goals. A licensed lender evaluates dozens of options to find your best fit.— Lifetime Capital Funding, NMLS #2583712
All Loan Programs at a Glance
| Program | Min. Down | Min. Score | Income Docs | Best For |
|---|---|---|---|---|
| FHA | 3.5% | 580 | Full | First-time buyers |
| VA | 0% | 620* | Full | Veterans & military |
| Conventional | 3% | 620 | Full | Strong credit |
| USDA | 0% | 640 | Full | Rural properties |
| Jumbo | 10% | 680 | Full | Luxury homes |
| DSCR | 20% | 660 | None (rental income) | Investors |
| Bank Statement | 10% | 600 | Bank statements only | Self-employed |
| Foreign National | 25% | N/A | International | Non-US citizens |
| Fix & Flip | 10% | 650 | Minimal | House flippers |
| HELOC | N/A | 620 | Full | Home equity access |
*VA has no official minimum but most lenders prefer 620+. Requirements subject to change. NMLS #2583712.
Self-employed borrowers often qualify for more than they think. Bank statement loans look at actual deposits — not tax returns that may understate income.— Lifetime Capital Funding, Licensed FL Mortgage Lender
🤔 Not Sure Which Program Is Right for You?
Tell us your situation and we'll match you with the best loan program available. Whether you're self-employed, investing, buying your first home, or refinancing — we have a solution for you.
Ready to Find Your Perfect Loan?
Our licensed loan officers will review your situation and recommend the best program. Pre-approvals issued in as little as 24 hours. English and Spanish service available.