Available Programs

Find the Right Loan Program

All rates, terms, and eligibility shown are illustrative. Al will match you to the right program based on your actual situation - credit, income, property type, and goals.

🏠

Most Common

Conventional

Standard financing for borrowers with solid credit and 3-20% down.

Min Down

[illustrative]

Min Credit

620+

[illustrative]

Competitive rates for strong-credit borrowers
No upfront mortgage insurance at 20% down
PMI cancellable once 80% LTV reached
Fixed and adjustable-rate options
Primary residence, 2nd home, and investment property

Apply for Conventional →

🏭

First-Time Buyers

FHA

Lower barriers to entry with flexible credit guidelines and 3.5% down.

Min Down

3.5%

[illustrative, 580+ credit]

Min Credit

580+

[illustrative]

Lower credit score requirements vs. conventional
3.5% down at 580+ credit score [illustrative]
Gift funds allowed for down payment
MIP (mortgage insurance premium) required
Streamline refinance available for existing FHA

Apply for FHA →

🏳

Veterans & Military

$0 down for eligible veterans and active-duty service members.

Min Down

eligible borrowers

PMI

None

no monthly PMI

$0 down payment for eligible borrowers
No private mortgage insurance required
Competitive interest rates
VA funding fee applies [exemptions available]
VA IRRRL streamline refi for existing VA loans

Apply for VA →

🌿

Rural & Suburban

USDA

$0 down for eligible rural and suburban properties in qualifying areas.

Min Down

eligible areas

Income

Limits

apply by area

$0 down in USDA-eligible areas
Many Winter Garden area communities qualify
Income limits apply by household size and area
Property must be in eligible rural/suburban zone
Guarantee fee and annual fee apply

Apply for USDA →

💰

High-Value Properties

Jumbo

Financing above conventional loan limits for luxury Central Florida homes.

Loan Size

$766k+

[above conforming limit]

Credit

700+

[typically]

Financing above conventional conforming limits
Competitive rates for strong-credit borrowers
Larger down payment typically required
Asset and reserve requirements apply
Multiple NEXA lender options for jumbo

Apply for Jumbo →

🔄

Existing Homeowners

Refinancing

Rate-and-term or cash-out options. Al runs the break-even math with you.

Types

R&T, Cash-Out, Streamline

Break-Even

Analyzed

included in every proposal

Rate-and-term refinancing for payment reduction
Cash-out refinancing for home improvements
FHA Streamline and VA IRRRL options
Break-even timeline analysis in every proposal
Closing cost comparison shown transparently

Start Refi Conversation →

🏢

New Buyers

First-Time Buyer

Down payment assistance programs and step-by-step guidance for first-timers.

DPA

Available

program dependent

Guidance

Full

step-by-step

Down payment assistance program review
FHA and conventional first-time buyer options
Step-by-step process education included
Pre-approval guidance before house hunting
Credit score improvement tips if needed

Start My Application →

Important Program Disclosures

All rates, terms, down payment percentages, and credit score requirements shown on this page are illustrative only. Your actual program eligibility, rate, and terms will be based on your specific credit profile, income, debt ratios, property type, and applicable program guidelines at the time of application. This is not a commitment to lend. All mortgage transactions are subject to underwriting approval and applicable law. Al Morell, NMLS #1660690, NEXA Mortgage. Equal Housing Lender. Verify NMLS at nmlsconsumeraccess.org.

Loan Programs

Find the Right Loan Program

Important Program Disclosures

Not Sure Which Program Fits?