What Florida mortgage loan programs can a loan originator offer?
Short Answer
The loan programs I originate through PMF, Inc. include conventional, FHA, VA, Non-QM, DSCR, and down payment assistance when the file allows. Eligibility is file-specific. My Realtor license does not choose or approve the loan. This is education, not a rate sheet and not a commitment to lend.
Which Florida mortgage loan programs show up on Pinellas files
Conventional for many W-2 buyers. FHA when credit or down payment needs that box. VA when entitlement and occupancy fit. Non-QM and DSCR when bank statements or investment overlays are the honest path. Down payment assistance as a second layer, not a first mortgage. Jumbo and doctor programs appear on Financing when they apply. Ask. Do not assume.
Condo warrantability, flood insurance, and CDDs knock programs out even when income looks fine.
What this looks like in Pinellas
A Clearwater condo, a Largo ranch, and a St. Petersburg duplex are three different overlays. Dual-licensed help means the search and the 1003 can share facts. It does not mean every program is available on every address.
Step-by-step
- Apply at /apply.
- Tell the truth about occupancy, income type, and property type.
- Review Financing cards as education.
- Match the letter to the house, not the house to a wish.
- Revisit the program if you switch from site-built to condo.
- Close only on a written, conditional approval that actually clears.
What you control versus what you do not
You control the 1003 completeness. You do not control investor overlays. You do not control a rate on this page.
Program map (education)
| Family | Typical use | Pinellas friction |
|---|---|---|
| Conventional | Many primary homes | Insurance, condos |
| FHA | Lower down or credit boxes | Condos, condition |
| VA | Eligible occupancy | Condos, residual income |
| Non-QM / bank statement | Self-employed | Documentation |
| DSCR | Some investment files | Occupancy rules |
| DPA | Layer on a first | Property type and other benefits |
Common mistakes
Shopping DSCR for a home you will occupy. Shopping VA for a pure investment. Combining DPA, Heroes, and Buyer Credit. Treating financing cards as approval.
Next step
Apply for a loan to start the PMF file. Book a consultation if you want the house search and the 1003 in one conversation.
Realty of America is brokerage. PMF, Inc. NMLS 1980 is the lender. I originate. Underwriters approve. Those stay separate companies.
Fair housing stays simple. We describe the property, the process, and the paperwork. We do not describe preferred residents. Equal Housing Opportunity applies. Buyer Credit, List + Buy, sell-before-you-buy, and Homes for Heroes each have conditions and do not combine on the same file.
The office is 29399 US Highway 19 Suite 150, Clearwater, FL 33761. Phone (727) 729-2961. This page is consumer education, not a rate sheet or a commitment to lend.
Jonathan Loescher, Realtor SL3546365 and NMLS 2621894.