| 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
Mature trees can add to resale value, agent says
Discover how mature trees can boost Florida home values, reduce cooling costs, and what buyers should look for before purchasing a home in Central Florida. ...more
Local Economy & Lifestyle ,Refinancing Education Florida HomeTown People Florida Market Insights &Mid Florida Mortgage Professionals
September 18, 2026•6 min read
DSCR Loans: When the Property Qualifies You — Not Your Tax Returns
Real estate investor in Central Florida? See how DSCR loans let the property's rental income qualify you — no personal income or tax returns required. ...more
Investment Property Loans ,Loan Programs Mortgage Education DSCR Loans &Mid Florida Mortgage Professionals
September 16, 2026•6 min read
Expense Ratios & P&L Requirements for Self-Employed Borrowers
Learn about expense ratios and P&L statement requirements for self-employed borrowers, including key mortgage documentation lenders may need. ...more
Bank Statement Loans ,Self-Employed Loans &Mortgage Education
September 11, 2026•6 min read
Broker vs. Bank or Credit Union: Why Your Lender Choice Matters
Compare mortgage brokers, banks, and credit unions to understand your lending options and choose the right mortgage lender for your home financing needs. ...more
Bank Statement Loans ,Self-Employed Loans &Mortgage Education
September 08, 2026•7 min read
Personal or Business Bank Statements: Which One Actually Gets You Approved for a Mortgage in Florida?
Personal vs. business bank statements can affect mortgage approval. Learn what lenders look for and how bank statements may impact your loan options. ...more
Bank Statement Loans ,Self-Employed Loans Loan Programs Mortgage Education &Mid Florida Mortgage Professionals
September 03, 2026•7 min read
Bank Statement Loans for Self-Employed Buyers in Central FL
Self-employed and your tax returns don't reflect your real income? See how bank statement loans let Florida buyers qualify off deposits, not tax returns. ...more
Bank Statement Loans ,Self-Employed Loans Loan Programs Mortgage Education &Mid Florida Mortgage Professionals
September 01, 2026•5 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
