| Mortgage Loan Programs
Types of Home Loan Programs
From buying your dream home to accessing home equity, we have the mortgage loans to achieve your goals.
CONVENTIONAL
I have a strong credit score and steady income, and I want a competitive loan option.
Lower interest rates with good credit
Reduced or cancelable mortgage insurance
Flexible loan terms and options
SELF-EMPLOYED
I am self-employed or a business owner and my tax returns don’t reflect my true income.
Qualify using 12–24 months of bank statements
No tax returns, W-2s, or pay stubs required
Options for 1099 earners and business owners
VA
I am a Veteran or Active Duty service member and want to use my VA benefits.
No down payment required
No monthly mortgage insurance
Competitive interest rates
DSCR
Debt Service Coverage Ratio
I want to qualify using rental income instead of personal income
Qualify using rental income
No personal income verification
Ideal for real estate investors
FHA
I want easier credit requirements and more flexible qualification guidelines.
Lower credit score requirements
Smaller down payment options
Flexible income and debt guidelines
USDA
I want to live in a rural or suburban area and need affordable financing.
No down payment required
Low monthly mortgage insurance
Competitive interest rates
REVERSE
I am 62 or older and want to use my home equity for retirement cash flow.
No monthly mortgage payments required*
Possibly access home equity as tax-free cash
Stay in your home while maintaining ownership
*Must still pay critical property charges like taxes and insurance
REFINANCE
I want to improve my current mortgage to better fit my financial goals.
Lower payments or better terms
Access home equity if needed
Simplify or restructure debt
JUMBO
I need a larger loan amount than standard county limits allow.
Higher loan limits for luxury homes
Competitive rates for well-qualified buyers
Flexible property options
MORTGAGE CALCULATOR
MID FLORIDA MORTGAGE BLOG
Do You Have to Pay Back Florida Hometown Heroes?
Learn when Florida Hometown Heroes funds must be repaid, the four repayment triggers, and how the 0% deferred second mortgage affects your equity. ...more
Florida Real Estate Market ,First Time Home Buyer Refinancing Education Florida HomeTown People Investment Property Loans Loan Programs Florida Market Insights &Mid Florida Mortgage Professionals
August 03, 2026•3 min read
How to Apply for Florida Hometown Heroes
Learn how to apply for Florida Hometown Heroes with our step-by-step guide, from pre-approval to reserving your state down payment assistance funds. ...more
Florida Real Estate Market ,First Time Home Buyer Florida HomeTown People Loan Programs Home Buyer Tips Florida Market Insights &Mid Florida Mortgage Professionals
July 31, 2026•3 min read
Is Florida Hometown Heroes Only for First-Time Homebuyers?
Learn the first-time buyer rules for the Florida Hometown Heroes Program, including eligibility requirements, exceptions, and how to qualify for assistance. ...more
Florida Real Estate Market ,First Time Home Buyer Veteran Loans &Mid Florida Mortgage Professionals
July 29, 2026•3 min read
FHA VS. Conventional VS. VA with Florida Hometown Heroes
Compare FHA, Conventional, and VA loans with Florida Hometown Heroes. Learn which mortgage option fits your goals and maximize your homebuying benefits. ...more
Florida Real Estate Market ,Conventional Loans Veteran Loans FHA Loans Florida HomeTown People Loan Programs Mortgage Education &Mid Florida Mortgage Professionals
July 27, 2026•3 min read
Florida Hometown Heroes Income Limits Explained: TBA vs. Bond
Learn how Florida Hometown Heroes income limits work, including TBA vs. Bond calculations, county income caps, and how to maximize your eligibility. ...more
Florida HomeTown People ,Mortgage Education Home Buyer Tips &Mid Florida Mortgage Professionals
July 24, 2026•4 min read
Florida Housing Market Update: June 2026 Home Sales & Trends
Is now a good time to buy a home in Central Florida? See the June 2026 Florida Realtors data on sales, median prices, inventory, and mortgage rate trends. ...more
Florida Real Estate Market ,Florida Market Insights &Mid Florida Mortgage Professionals
July 23, 2026•6 min read
WHAT OUR CLIENTS SAY
Our clients are at the center of everything we do. Their experiences reflect our dedication to clear guidance, trusted mortgage expertise, and a home-financing experience built around care and understanding.
Contact Info
We’re here to make your home financing experience smooth and stress-free. Contact our team anytime — we’re ready to guide you through every step of your homebuying journey.
Location
235 S Central Ave, Oviedo Florida 32765
Phone
Mid Florida Mortgage Professionals
Company NMLS# 1587074
Rayce Robinson
LO NMLS # 322615
235 South Central Ave
Oviedo, Florida 32765
© 2026 Mid Florida Mortgage Professionals. All rights reserved. Mid Florida Mortgage Professionals is not affiliated with any government agencies. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Opportunity. NMLS Consumer Access
