FHA
First-time and modest-down-payment buyers who fit FHA guidelines.
Lower down payment and flexible credit versus many Conventional files.
Financing
Tampa Bay financing options
Educational comparison of FHA, VA, Conventional, and Non-QM products such as DSCR. Eligibility is confirmed at consult.
VA
Eligible veterans, active-duty service members, and surviving spouses.
Often $0 down and no monthly PMI when entitlement and the property qualify. Confirmed at consult.
Conventional
W-2 and strong-credit buyers who want standard agency financing.
Broad investor guidelines and a familiar path to closing.
Non-QM
Self-employed, investor, and bank-statement files that do not fit agency boxes.
Includes DSCR and other Non-QM options Jonathan actually originates.
Common questions
What is a VA loan?
A VA loan is a mortgage for eligible veterans, active-duty service members, and surviving spouses. Many files can close with $0 down and no monthly PMI. A funding fee may apply unless you are exempt. Jonathan originates VA loans through PMF, Inc. This is educational, not a promise of approval.
Is a VA loan the same as Homes for Heroes?
No. A VA loan is a mortgage product. Homes for Heroes is a cash-back program on the real estate side. They can apply to the same buyer when you qualify. Homes for Heroes cannot stack with Buyer Credit, List + Buy, or the 2.4% buy-before-you-sell fee. Confirm both at consult.
What is a DSCR loan?
A DSCR (debt-service coverage ratio) loan is a Non-QM investor product that looks at the property's rent versus the payment. It is educational here, not a promise of approval.
Is this a rate quote?
No. Product names and benefits are educational. Apply or book a call for a personal file review.