Choose the strategy first. Then choose the loan.
Different programs solve different problems. We help you compare the tradeoffs instead of guessing from a rate or down payment alone.
Mortgage questions, answered
What is a one-time-close construction loan?
A one-time-close (OTC) loan combines construction financing and the permanent mortgage in one closing. The land, builder, home type and borrower must meet the selected lender’s requirements. Explore site-built custom homes, modular homes, eligible manufactured homes, land and construction draws in our Florida guide. Costa del Sol Mortgage Team serves OTC borrowers statewide.
Explore the details →Educational guidance. Eligibility, costs and program availability must be confirmed for your situation.
Conventional
Flexible options for many primary, second-home and investment purchases.
Explore this optionFHA
A flexible government-insured path that can work well for many buyers.
Explore this optionVA
Strong benefits for eligible veterans and service members, including potential zero-down financing.
Explore this optionUSDA
Potential zero-down financing for eligible properties and qualified borrowers in designated areas.
Explore this optionJumbo
Financing for loan amounts above standard conforming limits, with lender-specific requirements.
Explore this optionDown Payment Assistance
Programs may help eligible buyers with down payment or closing costs. Availability and terms vary.
Explore this optionDSCR / Investor
Investor-focused financing that may evaluate property cash flow rather than traditional personal income alone.
Explore this optionRenovation
Finance a purchase or refinance together with eligible improvement costs when the program fits.
Explore this optionConstruction
Construction financing requires careful review of builder, property, budget and program structure.
Explore this optionNot sure which option fits?
That is what the strategy conversation is for.