Conventional, FHA & VA Loans
Industry-low rates on standard purchase and refinance loans for primary residences, second homes, and investment properties across Florida.
Get Pre-Approved →
Industry-low rates on standard purchase and refinance loans for primary residences, second homes, and investment properties across Florida.
Get Pre-Approved →Min. Down Payment
3% Primary / 0% VA
Loan Terms
15 / 20 / 25 / 30 Year
Min. Credit Score
550+ (FHA)
Programs
Conventional, FHA, VA
Conventional, FHA, and VA loans are the foundation of home financing. Whether you're a first-time buyer putting 3% down, a veteran with 0% down through VA, or purchasing a second home or investment property — these programs cover it all.
Primary residence buyers with as little as 3% down (Conventional) or 3.5% (FHA)
Veterans and active military with 0% down through VA loans
Second home buyers (10% down) and investors (15% down) via Conventional
Borrowers with credit scores as low as 550 (FHA program)
Conventional, FHA, and VA loans are the three core purchase and refinance programs behind most Florida home financing. Conventional loans are not government-backed and suit buyers with steady credit who want flexibility across primary homes, second homes, and investment properties. FHA loans, insured by the Federal Housing Administration, open the door for buyers with lower credit or smaller down payments. VA loans serve eligible veterans and active-duty military. Swiftlend helps you compare all three and pick the fit that matches your goals.
Each program has its own guidelines. Conventional loans generally reward stronger credit and can be used for a wide range of property types, with private mortgage insurance applying when your down payment is under 20%. FHA loans work with more flexible credit and down-payment thresholds but carry their own mortgage insurance. VA loans offer eligible borrowers a no-down-payment path with no PMI. You'll typically provide income documentation, bank statements, tax returns, and details on the property before an underwriter reviews the file.
As a licensed Florida mortgage broker (NMLS #402985) based in Miami, Swiftlend arranges these loans with a network of lender partners rather than pushing a single in-house product. That means we shop your scenario, explain the honest trade-offs between Conventional, FHA, and VA, and handle the paperwork from application through closing anywhere in Florida. Call (305) 985-4889 or start online to get pre-approved and see which program fits your purchase or refinance.
Tell us your goals, budget, credit picture, and whether you're buying or refinancing. We review your basics, confirm which of Conventional, FHA, or VA you may qualify for, and issue a pre-approval you can shop with.
You provide income, bank statements, tax returns, and ID. Swiftlend packages your file to the right lender partner, and an underwriter verifies your credit, debt-to-income, and program eligibility for Conventional, FHA, or VA.
The lender orders an appraisal to confirm the Florida property's value and condition. FHA and VA loans include their own property standards, so we help you clear any conditions the appraiser or program flags before final approval.
Once the file has final approval, you review the closing disclosure, sign at closing, and receive your keys or complete your refinance. Swiftlend coordinates with title and the lender to keep your Florida closing on track.
No fees. No commitment. No fine print. Just a clear answer on what you qualify for — today.