FHA
First-time and modest-down-payment buyers who fit FHA guidelines.
Lower down payment and flexible credit versus many Conventional files.
Additional restrictions may apply
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FHA
Educational comparison of FHA, VA, Conventional, Non-QM, jumbo DSCR, jumbo bank-statement, and doctor loans. Eligibility is confirmed at consult.
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 2.25% 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.
What is a jumbo DSCR loan?
A jumbo DSCR loan is a Non-QM investor file above conforming loan limits. Qualification looks at the property's rent versus the payment, not personal tax returns. It is educational here, not a promise of approval.
What is a jumbo bank-statement loan?
A jumbo bank-statement loan is a Non-QM file above conforming limits for self-employed and complex-income buyers. Qualification can use bank statements or documented income when tax-return boxes do not fit. Eligibility is confirmed at consult.
What is a doctor loan?
A doctor loan is a primary-residence program for eligible medical professionals such as MD, DO, DDS, DMD, PharmD, VMD, DPM, and CRNA. Highlights can include no monthly MI, loan amounts up to $2 million, and student loan payments excluded when guidelines allow. Additional restrictions may apply. Confirm at consult.
Is this a rate quote?
No. Product names and benefits are educational. Apply or book a call for a personal file review.
Does Jonathan Loescher originate VA loans in Tampa Bay?
Yes. I originate VA loans through PMF, Inc. for eligible veterans, active-duty service members, and surviving spouses. Many files can close with zero down and no monthly PMI. A funding fee may apply unless you are exempt. Eligibility is confirmed at consult. This is not a promise of approval. PMF, Inc. is not acting on behalf of or at the direction of the VA.
Can one person do the home and the loan?
Yes. I am a Tampa Bay Realtor and Loan Originator. Search, tour, and apply can stay on one conversation. Realty of America and PMF, Inc. stay separate companies.
What is the difference between pre-approval and pre-qualification?
Pre-qualification is a conversation about income and credit. Pre-approval is a lender review of a file. Apply on this site for a second look even if you already have a letter from somewhere else.
Should I buy first or sell first in Tampa Bay?
It depends on the loan, the equity, and the timing. I can model buy-before-you-sell as a lender program fee, not a brokerage commission, then list the current home. Book a call and we will run the numbers on your file.
What does it cost to sell a home in Tampa Bay?
Typical costs include payoff of the mortgage, negotiated brokerage compensation, title, prorated taxes, HOA or CDD transfer items, and any credits. Ask for a net sheet. Online estimates are not appraisals.