FLORIDA LOAN OPTIONS

Find the financing path that fits your move.

Third Wave works across a broad range of loan programs. Explore the options below, then talk with Gabriel about which paths may fit your goals. Availability and terms are subject to verification.

Conventional Loans

Flexible financing for qualified borrowers, including options that may require less than 20% down.

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FHA Loans

Government-insured financing that may offer more flexible qualification and lower-down-payment paths for eligible borrowers.

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VA Loans

Financing for eligible veterans, service members, and qualifying surviving spouses, potentially including no-down-payment options.

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Jumbo Loans

Financing for higher-priced Florida homes above conforming loan limits, with details dependent on the lender and borrower profile.

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Non-QM & Investor Loans

Flexible paths for self-employed borrowers, real-estate investors, and nontraditional income scenarios, potentially including bank-statement, asset-based, and DSCR programs.

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Down Payment Assistance Programs

Available assistance pathways that may help eligible Florida buyers address down-payment or closing-cost barriers.

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Refinance / Cash-Out Refinance

Review whether replacing an existing mortgage may better support payment, term, consolidation, or home-improvement goals.

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Home Equity Line of Credit (HELOC)

Explore accessing home equity through a revolving line without automatically replacing the existing first mortgage.

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First-time buyer? Start here.

First-time buyers often explore a guided pathway spanning Conventional, FHA, VA (where eligible), and down-payment-assistance programs. Gabriel can help you compare them.

Your next move deserves a clear plan.

Start a conversation with Gabriel or continue to the secure application when you are ready.

Talk with Gabriel (305) 799-0027