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Mortgage Mike
Mortgage Mike
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  • More
    • Home
    • Purchase
      • Primary Mortgage Loans
      • Non-QM
      • Down Payment Assistance
    • Refinance
      • Refinancing Your Home
      • Home Equity Loans
    • Resources
      • Get Pre-Approved
      • Contact Us
      • Equity Smart Home Loans
      • Homebuyer Checklist
      • Mortgage Mike Blog
    • Trusted Partners
      • Real Estate Agents
      • Homeowners Insurance
      • Credit Repair
      • Tax Agencies
  • Home
  • Purchase
    • Primary Mortgage Loans
    • Non-QM
    • Down Payment Assistance
  • Refinance
    • Refinancing Your Home
    • Home Equity Loans
  • Resources
    • Get Pre-Approved
    • Contact Us
    • Equity Smart Home Loans
    • Homebuyer Checklist
    • Mortgage Mike Blog
  • Trusted Partners
    • Real Estate Agents
    • Homeowners Insurance
    • Credit Repair
    • Tax Agencies

Which Financing Option Is Right for You?

Explore Our Primary Mortgage Loan Options

Traditional home with Sold Sign and Mortgage Mike in front yard

Conventional

 Ideal for buyers with good credit and stable income.


 Conventional loans offer low down payment options, predictable fixed rates, and fast approval timelines. 


Great for both first-time and repeat buyers who want flexibility and long-term savings. 


See how a Conventional loan can help you reach your homeownership goals in Florida. 

Home with FHA on the entrance

FHA

 Perfect for first-time homebuyers or anyone with limited savings or less-than-perfect credit.


FHA loans offer low down payment options, flexible qualification guidelines, and affordable fixed-rate terms. Backed by the Federal Housing Administration, they make homeownership more accessible for everyday Florida families. 


See if an FHA loan is the right fit for you. 

Veteran and his family standing in front of home smiling

VA Elite

 If you’ve served, this is one of the best home loan options available. 


VA loans offer zero down payment, no monthly mortgage insurance, and competitive interest rates. 


Backed by the Department of Veterans Affairs, they’re available to veterans, active-duty service members, and eligible surviving spouses. 


Learn how a VA loan can help you buy or refinance with confidence. 

Rural home in Florida with For SAle sign and Mortgage Mike on front lawn

USDA

 A USDA loan helps eligible homebuyers in rural and suburban areas purchase a home with no down payment and low fixed rates. 


Backed by the U.S. Department of Agriculture, it’s designed for moderate-income families who want affordable homeownership outside major city limits. 


Discover if a USDA loan can help you buy a home with zero down in Florida. 

Luxury Florida home representing Jumbo Loan financing options.

Jumbo

 A Jumbo Loan is designed for Florida homebuyers who need financing above conventional loan limits. Ideal for higher-priced properties or luxury homes, Jumbo Loans offer flexible options for strong credit borrowers. 


With competitive rates and no mortgage insurance required in most cases, you can finance your dream home with confidence. 


Ask about current Jumbo Loan limits and rates today. 

Disclaimer: Loan eligibility and approval are subject to underwriting guidelines, program requirements, and credit approval. VA, FHA, and USDA loans are government-backed but not issued directly by the government. Not all applicants will qualify.

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Michael Garcia - Mortgage Loan Officer | NMLS# 2343952  

Equity Smart Home Loans, Inc NMLS# 856170

 

Visit equitysmartloans.com. Rates, Fees and Programs are subject to change without notice. This is not a guarantee or a commitment to lend. Some products may not be available in all states. Not all applicants qualify for financing, subject to review of credit/collateral. Equity Smart Home Loans NMLS#: 856170 DRE#: 01906808 Headquarters: 

1499 Huntington Dr Suite 500, South Pasadena, CA 91030, (323) 258-4317 


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