Access to 100+ wholesale lenders through C2 Financial, for first-time buyers, self-employed borrowers, investors and relocations.
Programs
Each program has its own qualification rules, property rules, and best-use cases.
Fannie Mae and Freddie Mac loans with fixed and adjustable terms and low down payment options. The default for most well-qualified Florida buyers.
Learn more → Flexible CreditGovernment-insured loans for a primary home, with a low down payment option at credit scores of 580 and up. Flexibility for buyers who don't fit conventional guidelines yet.
Learn more → Rural · SuburbanGovernment-guaranteed loans for a primary home in eligible rural and suburban areas, with household income limits. Eligibility goes by exact address - check the USDA map.
Learn more → First-Time BuyersState, county and city programs that can help with down payment and closing costs.
Learn more → VeteransNo monthly mortgage insurance for eligible veterans, active-duty service members, and eligible surviving spouses. A strong option if you're eligible.
Learn more → Above $832,750Loans above the 2026 conforming limit ($832,750 in every Florida county except Monroe, where it is $990,150). Common in Naples, Sarasota and Tampa. Tighter underwriting.
Learn more → InvestorsInvestment properties only. Qualify on the property's rental income instead of W-2s or tax returns - built for growing a Florida rental portfolio.
Learn more → Self-EmployedUse 12-24 months of bank deposits in place of tax returns. Built for business owners and 1099 earners with strong cash flow but heavy write-offs.
Learn more → New ConstructionFinance the lot, the build and the permanent mortgage. One-time close where a lender offers it; a two-time close is more common.
Learn more → International BuyersLoans for non-US citizens buying Florida second homes or investment property. Many programs don't require US credit history.
Learn more → Refinance OptionsChange your rate or term, remove mortgage insurance, or take cash out - when the break-even actually works.
Learn more → Equity AccessTap your home equity for renovations, debt consolidation, or your next investment property. Both lump-sum and line-of-credit options.
Learn more →For Homebuilders
For Florida homebuilders, with access to 100+ wholesale lenders through C2 Financial. Buyers are always free to choose their own lender.
Status updates back to your sales team throughout.
Construction & conventional loans, plus FHA, VA, jumbo, and DSCR - more program choices for buyers with different situations.
Call Us or start an application. A short conversation usually makes the right program obvious.