Get straight answers to your questions, today.
Speak directly with a licensed Florida mortgage broker who works with you from your first question to closing. A real person answers 24/7.Florida Mortgage Resources
Every calculator, guide and loan rule page on our site, sorted by topic. Pick one below, or call
Calculators and tools
Buying and refinancing guides
Buying Your First HomeThe steps from the first call to the keys.Affording a HomeDown payment, closing costs and the monthly payment.Qualifying for a LoanCredit, income and debt, the way lenders read them.Finding the Right HomeWhat to check before you make an offer.Seller Concessions in FloridaGetting the seller to pay up to 6% of your costs.Rate Buy-Down PlaybookUsing seller money to lower your interest rate.Closing Cost CreditHow our Homebuyers Outreach credit cuts your cash to close.Refinancing Your HomeHow a refinance works from application to closing.Debt Consolidation RefinanceFind your blended rate before you roll debt into one loan.Our RatesWhy advertised rates differ from the quote you get.
Answers and definitions
The Official FAQWho we are, how we work and how to reach us.Mortgage FAQCredit, down payments, approval and closing, by topic.Homebuyer AnswersShort, direct answers to Florida purchase questions.Refinance AnswersShort, direct answers to Florida refinance questions.Glossary of Mortgage TermsMortgage words defined in plain English.Loan Guidelines HubEvery loan rule guide on one page, sorted by program.
FHA loan rules
FHA Credit Score MinimumsThe 500 and 580 score tiers and what each one needs.FHA Borrower EligibilityResidency, Social Security number and DACA rules.FHA Waiting PeriodsTimelines after a bankruptcy, foreclosure or short sale.Collections and JudgmentsHow open collections and judgments are counted.Student Loans and Co-Signed DebtThe 0.5% payment rule and loans you co-signed.FHA Employment and IncomeW-2 pay, job gaps, overtime and bonuses.Down Payment and Gift FundsWho can give you the down payment and how to show it.FHA Appraisal RequirementsWhat the appraiser checks on the house.Two- to Four-Unit HomesUsing rent from the other units to qualify.FHA Self-Employed IncomeTax returns, the one-year exception and P&L rules.Non-Taxable and Other IncomeGrossing up Social Security, child support and alimony.90-Day Flip RuleBuying a house that resold within the last 90 days.FHA 203(k) Renovation LoansOne loan for the purchase and the repairs.FHA Mortgage InsuranceWhen MIP lasts 11 years and when it stays for the loan.
VA loan rules
VA Eligibility and COEEntitlement and getting your Certificate of Eligibility.VA Funding FeeThe fee table and who doesn't pay it.VA Residual IncomeHow residual income carries a higher debt ratio.VA Waiting PeriodsTimelines after a bankruptcy or foreclosure.VA Appraisal and TidewaterProperty requirements and the Tidewater process.VA Closing CostsSeller concessions and the fees a veteran can't be charged.
Conventional loan rules
3% Down ConventionalHomeReady, Home Possible and who qualifies.Conventional Cash-Out RefinanceCash-out limits and debt-to-income rules.Conventional Waiting PeriodsTimelines after a bankruptcy or foreclosure.PMI CancellationWhen and how private mortgage insurance comes off.Conventional Income and EmploymentTax returns, offer letters and the one-year exception.Second Homes and RentalsHow the rules change by property type.
Self-employed, investor and other loans
Bank Statement LoansSelf-employed income from 12 or 24 months of deposits.P&L Only LoansQualifying from a CPA-prepared profit and loss statement.1099 Income LoansFor independent contractors paid on 1099s.Asset Utilization LoansQualifying with savings and investments instead of pay.DSCR Investor LoansRental property loans qualified on the rent.Jumbo LoansFor loans above the Conventional loan limit.Foreign National LoansFlorida financing for buyers who live abroad.ITIN LoansBuying with an ITIN instead of a Social Security number.
Florida references
Can't find what you need? Call
The guideline is only the starting point.
Guidelines are written for the typical borrower. What gets approved depends on how the loan is structured and presented to the underwriter, and that takes experience. We've been structuring Florida loans since 1997, including plenty that other lenders couldn't get through.
Call 888-601-8344 and we'll go over your real numbers with you. Under ten minutes, straight answers, 24/7. No application, no credit pull.
Text 954-816-8820 if that's easier.
AAA Capital Funding, Inc. · NMLS #374739 · Jason J. Sarji, NMLS #374700