Loan Programs

Keeping up with fluctuating mortgage interest rates and various loan programs can be overwhelming and time-consuming for most homebuyers. Therefore, we recommend that you consult with one of our mortgage professionals regarding the terms of the loans available to you. At Sunshine State Mortgage, our loan originators specialize in these types of loan programs.

Conventional Home Loans

These are mortgages that are not government insured, and include conforming loans, non-conforming loans, jumbo loans, portfolio loans and sub-prime loans.
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FHA Home Loans

FHA mortgages are government-backed and insured by the Federal Housing Administration (FHA) – allowing homebuyers to purchase a home at low mortgage rates, and with a minimal down payment.
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VA Home Loans

Geared specifically toward eligible military personnel, service members, veterans and their families, when applicable. These mortgages are guaranteed by the U.S. Department of Veteran Affairs and provide qualifying individuals with favorable rates without a down payment.
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Refinance Loans

These mortgages are used specifically to reduce a homeowner’s monthly mortgage payment, as well as to pull cash out for home improvements and to cancel mortgage insurance premiums.
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Reverse Loans

Popular among homeowners 62 years or older with limited income, these mortgages allow borrowers to convert a portion of the equity in their homes into cash to pay for living expenses.
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Private Financing

Available to both investors and homeowners. Call for more information.

Line of Credit

A line of credit is an account with a lender or credit union that gives you access to a set amount of money that you can borrow when you need it for either home improvements, unexpected medical expenses or car repairs. Interest is only charged once you borrow money from the line of credit. After the money is paid back, your available line of credit is replenished.

Commercial Loans

Commercial or C loans are geared toward business owners who need to cover operational costs, capital or other business expenses.