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Owner Occupied Florida Mortgage Programs

At Pineyro Capital Group Inc., NMLS# 420112, we offer a variety of mortgage loan options tailored to meet the unique needs of our homebuyers. We understand that selecting the right loan product can be overwhelming, but our mortgage professionals are here to provide personalized advice to help you make the best decision for you and your family.

Owner occupied loan programs in Florida

Explore Our Wide Range of Owner Occupied
Real Estate Loan Products in Florida

With over 100 approved banks and 200+ loan programs, we can offer every loan program in Florida. Our extensive selection covers anyone looking to buy or refinance, whether you're a first-time buyer, looking to refinance for a lower rate, pay off debt, make home improvements, or a new or experienced real estate investor. Click below to get started on finding the right loan for you.

FHA Mortgage

An FHA loan is a government-backed mortgage option that enables you to purchase a home with less strict financial requirements. It typically requires a minimum down payment of 3.5% and a middle FICO score of 500.

Conventional Mortgage

A conventional loan is a mortgage not backed by a government agency, requiring higher credit scores and larger down payments. It offers flexible terms and can be used for primary residences, second homes, or investment properties.

Not sure where to start? Click the link below to begin our hassle-free, no-cost, no-obligation 90-second Loan Finder.

VA Mortgage

A VA mortgage is a home loan guaranteed by the U.S. Department of Veterans Affairs (VA), available to eligible veterans, active-duty service members, and certain surviving spouses. VA loans often require no down payment and have more lenient credit and income requirements compared to conventional loans.

USDA Mortgage

A USDA mortgage is a home loan backed by the United States Department of Agriculture (USDA) and is designed to help low to moderate-income borrowers in rural and suburban areas purchase homes and typically offer 100% financing, meaning no down payment is required, and may have lower interest rates than conventional mortgages.

Not sure where to start? Click the link below to begin our hassle-free, no-cost, no-obligation 90-second Loan Finder.

No Money Down Mortgage

An FHA no money down option provides an opportunity for homebuyers to achieve homeownership with minimal upfront costs. This option can be advantageous for those who may not have substantial savings for a down payment.

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Reverse Mortgage

A reverse mortgage is a type of loan available to homeowners aged 62 and older that allows them to convert part of their home equity into cash. Unlike traditional mortgages, borrowers are not required to make monthly payments; instead, the loan is repaid when the borrower sells the home, moves out, or passes away.

Not sure where to start? Click the link below to begin our hassle-free, no-cost, no-obligation 90-second Loan Finder.

Bank Statement Only Mortgage

A bank statement mortgage loan is a type of mortgage that uses bank statements to verify income instead of traditional income documentation like tax returns or pay stubs. This option is ideal for self-employed individuals or those with non-traditional sources of income.

1099 Only Mortgage

A 1099 mortgage loan is a type of mortgage designed for self-employed individuals who receive 1099 income. This loan program allows borrowers to use their 1099 income to qualify for a mortgage without traditional income documentation.

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Not sure where to start? Click the link below to begin our hassle-free, no-cost, no-obligation 90-second Loan Finder.

Profit and Loss Only Mortgage

A profit and loss only mortgage loan is a type of mortgage that considers only the borrower's profit and loss statements for income verification, typically used by self-employed individuals. This option allows borrowers to qualify for a mortgage based solely on their business income without providing traditional income documentation.

No Ratio Owner Occupied Mortgage

A no ratio owner-occupied mortgage is a type of loan where the borrower's debt-to-income ratio is not considered during the underwriting process. This option is ideal for borrowers with high incomes or substantial assets who may not meet traditional debt-to-income requirements.

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Not sure where to start? Click the link below to begin our hassle-free, no-cost, no-obligation 90-second Loan Finder.

Asset Utilization Mortgage

An asset depletion/utilization owner-occupied mortgage is a type of loan where the borrower's assets are used to qualify for the mortgage instead of traditional income documentation. This option is beneficial for borrowers with significant assets but limited income, allowing them to use their assets to demonstrate their ability to repay the loan.

Condo Mortgage (Warrantable and Non)

A condo mortgage loan is a financing option specifically designed for purchasing condominium units. Warrantable condos meet certain criteria set by Fannie Mae and Freddie Mac, while non-warrantable condos do not meet these standards and may have stricter lending requirements.

 

Not sure where to start? Click the link below to begin our hassle-free, no-cost, no-obligation 90-second Loan Finder.

ITIN Mortgage

An ITIN mortgage loan is a type of home loan designed for individuals without a Social Security number who have an Individual Taxpayer Identification Number (ITIN). This option allows immigrants and non-residents to purchase property in the United States and build credit

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HELOC | Second Mortgage

A Home Equity Line of Credit (HELOC) is a revolving line of credit secured by the equity in a borrower's home. It allows homeowners to borrow against the value of their home as needed, typically with a variable interest rate and a draw period followed by a repayment period.

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Not sure where to start? Click the link below to begin our hassle-free, no-cost, no-obligation 90-second Loan Finder.

The whole process from start to finish was absolutely magnificent. Robert when above and beyond to keep everyone at ease during the process. Communication was always available! Will definitely work with the Pineyro team again!! I highly recommend them

Alexa Young, Buyer, Florida

Let’s Talk

Ready to purchase a property and need help with financing? Get in touch to find out how we can help with your mortgage needs.

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