Home/Loan Programs

Loan Programs · Caminos a casa

Every family's path home looks different.

FHA, VA, Conventional, down payment assistance, ITIN — Dennis matches your situation to the right program and explains it in plain English or Spanish.

Ask Dennis Which Fits

FHA Loans

First-timer favorite

Low down payments and flexible credit — the classic path to a first home.

  • As little as 3.5% down
  • Flexible credit guidelines
  • Gift funds allowed
  • Great for first-time buyers

Ideal for:

First-time buyers and anyone rebuilding credit

Down Payment Assistance

Florida programs

Grants and second-mortgage programs — including Florida Hometown Heroes — that help cover your down payment and closing costs.

Ayuda para tu pago inicial — pregúntame.

  • Florida Hometown Heroes
  • State & local programs
  • Grants and forgivable options
  • Stackable with FHA & Conventional

Ideal for:

Buyers who are ready — except for the savings

Conventional Loans

Competitive rates and terms for buyers with solid credit and savings.

  • Down payments as low as 3%
  • Terms from 10 to 30 years
  • PMI drops off automatically
  • Primary, second home, investment

Ideal for:

Buyers with good credit and stable income

VA Loans

Thank you for serving

Zero down for veterans and active-duty military. You earned this.

  • $0 down payment
  • No monthly mortgage insurance
  • Competitive rates
  • Reusable benefit

Ideal for:

Veterans, active-duty military and eligible spouses

ITIN & Non-QM

No social? Hay opciones.

Real financing for ITIN holders, self-employed borrowers and foreign nationals.

Opciones para ITIN y extranjeros.

  • No SSN required for ITIN
  • Bank statement qualification
  • Foreign national programs
  • Flexible documentation

Ideal for:

ITIN holders, entrepreneurs, new arrivals

Refinance

Lower your payment, drop PMI, shorten your term, or pull cash out of your equity.

  • Rate & term refinance
  • Cash-out options
  • Drop PMI when equity allows
  • Streamline options for FHA & VA

Ideal for:

Homeowners whose loan no longer fits their life

Why choose the Hometown Home Loans Team?

Not sure which program is yours? That's the whole point of the first call — it's free.

20+ Years Experience

In the business since 2004 — $150M+ funded for South Florida families

First-Time Buyer Specialist

FHA, down payment assistance and Hometown Heroes are home turf

Bilingual Service

Every option explained in plain English or Spanish — your choice