[HU] Conventional, FHA & VA Loans

[HU] 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.

[HU] 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.

[HU] 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.