Florida Mortgage Loan Programs
As a wholesale mortgage broker in Cooper City, Mark Harris shops over 30 top lenders to find the exact loan program matching your budget, credit score, and financial goals.
Conventional Loans
The standard for buyers with good credit. Down payments as low as 3% for first-time buyers with flexible PMI terms.
FHA Home Loans
Government-backed loan with relaxed credit score requirements (580+) and down payments starting at just 3.5%.
VA Home Loans
Exclusive benefit for military service members, veterans, and surviving spouses featuring 0% down payment and no PMI.
USDA Rural Housing
100% financing for homes in designated suburban and rural Florida communities with low guarantee fees.
Florida Hometown Heroes
Up to $35,000 in down payment and closing cost assistance for Florida frontline workers, educators, and healthcare staff.
Jumbo Mortgages
Financing for luxury properties exceeding conforming loan limits with competitive wholesale rates.
15-Year Fixed Rate
Build equity rapidly and save tens of thousands in interest with a fixed, accelerated repayment schedule.
30-Year Fixed Rate
Maximum purchasing power and predictable, stable monthly payments for the full 30-year term.
Adjustable Rate (ARM)
Lower initial interest rates fixed for 5, 7, or 10 years. Ideal for buyers planning to sell or refinance before adjustment.
203K Renovation Loans
Finance both the purchase price and home improvement/remodel costs in a single consolidated mortgage.
Reverse Mortgages
Allows homeowners age 62+ to convert built-up home equity into tax-free cash flow with no required monthly mortgage payments.
Not Sure Which Program Is Right For You?
Mark Harris provides a free custom loan analysis comparing side-by-side rates, monthly payments, and down payment requirements.
Get Free Custom Loan Analysis