Sunvest Mortgage Group: Florida home loans

Find your fit

What describes you?

Pick the one that sounds most like you and we will show the loans worth a closer look.

Everyday home loansConventional loansA standard home loan for a first home, a next home or a rental.How it works Everyday home loansFHA loansA loan insured by the FHA, with flexible credit and down payment rules.How it works Everyday home loansVA loansA home loan benefit earned through military service.How it works Everyday home loansUSDA loansNo down payment for eligible buyers in eligible rural areas.How it works Everyday home loansJumbo loansFor a loan amount above the standard limit.How it works Everyday home loansDoctor loansHome loans built around a medical career.How it works First home and down payment helpFlorida Hometown HeroesDown payment and closing cost help for eligible Florida workers.How it works First home and down payment helpDown payment assistanceState and local programs that can help with upfront costs.How it works Self-employed and non-QMNon-QM loansA different way to qualify, not a shortcut.How it works Self-employed and non-QMBank statement loansQualify on your deposits, not your tax returns.How it works Self-employed and non-QMAsset-based loansQualify on what you have built up, not on a paycheck.How it works Self-employed and non-QMForeign national loansFinancing for a Florida home when you live abroad.How it works Self-employed and non-QMITIN loansA home loan for borrowers who file taxes with an ITIN.How it works Self-employed and non-QMLoans after bankruptcy or foreclosureA second look after a bankruptcy, short sale or foreclosure.How it works Investor and commercialDSCR investor loansQualify on the property's rent, not your personal income.How it works Investor and commercialFix-and-flip loansShort-term loans for investors who buy, renovate and resell a property.How it works Investor and commercialCommercial real estate loansFinancing for business property and investment buildings.How it works Refinance and home equityRate-and-term refinanceChange the terms of your mortgage without taking cash out.How it works Refinance and home equityCash-out refinanceBorrow against your home's equity with a new, larger mortgage.How it works Refinance and home equityHome equity line of credit (HELOC)Borrow against your equity and keep your first mortgage as it is.How it works Renovation and constructionFHA 203(k) renovation loansBuy a home and pay for the renovation with one loan.How it works Renovation and constructionConstruction loansFinance the build, then the finished home.How it works Age 62 and olderReverse mortgagesA loan against your home's equity for homeowners 62 or older.How it works

These are starting points for a conversation, not a recommendation or an approval. See every loan program

Loan programs

Every kind of loan we do, in one place.

From first-time buyer loans to options for business owners and investors. Each one has its own page with how it works, what you will need and the honest trade-offs.

01

Everyday home loans

The loans most buyers use, plus options for larger loans and for medical professionals.

02

First home and down payment help

Florida programs that can help with the cash it takes to buy.

03

Self-employed and non-QM

For income that is real but does not fit a standard application.

04

Investor and commercial

Business-purpose loans for rental homes, fix-and-flip projects and commercial property. Not for a home you plan to live in.

05

Refinance and home equity

Change the loan you have, or put the equity in your home to work.

06

Renovation and construction

Build a new home, or buy or refinance one and finance the repairs in the same loan.

07

Age 62 and older

Reverse mortgages for homeowners and buyers aged 62 or older.

Reverse mortgages

How it works

How it works, in four stages.

Tell us your goal
Answer a few quick questions online or call us. There is no credit check to get started.
See your options
A loan officer reviews your situation and walks you through the programs that may fit, in plain English.
Complete the full application
When you are ready, you apply securely with your loan officer. We give you a list of documents to start with and explain why each one is needed.
Close on your home
We keep you updated until you sign your closing documents, and your real estate agent too if you ask us to.

See the whole loan process

Told no somewhere else?

A no from one lender is not always the last word.

Sometimes it means your file did not fit that lender's rules. Our lending partners can look at income, credit history and residency in other ways. These loans usually need a larger down payment and cost more than standard loans, and not everyone qualifies.

Self-employed, with tax returns that show write-offs instead of income
1099 contractors and people paid on commission
Investors who have reached the limit on financed properties
A past bankruptcy, short sale or foreclosure
Foreign nationals and ITIN borrowers

See self-employed and non-QM loans

A home office desk with a laptop, invoices and a calculator

Your loan officer

Real people, with direct lines.

You work with one loan officer who knows your file, and you can call them directly.

Meet the team

Mortgage basics

Learn the language before you sign anything.

Pre-qualification versus pre-approval

Both give you an early read on what you may be able to borrow. The difference is how much has been checked. Neither one is a final loan approval.

What lenders look at

Most loan decisions rest on four things: your credit, your income and debts, your assets and the property. Each loan program weighs them in its own way.