Standard Conventional Loans are great for any borrower! Whether you’re a first-time homebuyer, looking to purchase a second home, interested in purchasing an investment property or looking to refinance your current mortgage; Hamilton Group Funding offers a variety of conventional loan options to fit your needs.

FHA loans are a great option for borrowers in need of a low down payment option or flexible credit score requirements to purchase or refinance a home. Hamilton Group Funding offers a variety of FHA options, including the FHA Streamline program, which requires reduced documentation and underwriting compared to switching programs.

Veterans and active duty service members can make home ownership a reality through the VA Loan Program. This program has low down payment options for purchase, competitive rates and a streamlined refinance option that reduces documentation needed to close – the VA Interest Rate Reduction Refinance Loan (IRRRL). The IRRRL is a longstanding program to honor veterans; this offering allows for qualifying flexibilities and other options not offered in any other loan program.

The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible community workforce.
This program provides down payment and closing cost assistance to first-time, income-qualified homebuyers so they can purchase a primary residence in the community in which they work and serve. The Florida Hometown Heroes Loan Program also offers a lower first mortgage interest rate and additional special benefits to those who have served and continue to serve their country.
Program Details:

• Eligible full-time workforce, employed by a Florida-based employer can receive lower than market interest rates on an FHA, VA, RD, Fannie Mae or Freddie Mac first mortgage, reduced upfront fees, no origination points or discount points and down payment and closing cost assistance.

• Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $35,000) in down payment and closing cost assistance.

• Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable. 

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HomeReady® is a new loan program offered by Fannie Mae designed for creditworthy low- to moderate-income borrowers with expanded eligibility for financing a home, such as non-occupant co-borrowers, boarder income, rental income, and even non-borrower household income.

The Freddie Mac Home Possible® loan program is designed for qualified low- and moderate-income borrowers. Through Home Possible® borrowers can qualify for a conforming conventional mortgage with a down payment as low as 3% of the property purchase price and no minimum borrower financial contribution. This program also can be used for a “no cash out” refinance of an existing mortgage.

The Jumbo Loan Programs are geared toward borrowers looking to finance a loan above the Conventional County Loan Limits – currently $453,100. The Jumbo Suite is a combination of three offerings that have more flexibility than High Balance loans, including an option with no mortgage insurance, more fixed-rate options, and financing up to $3 million. Jumbo loans can be used for a first-time homebuyer, an investment property or to refinance an existing property.

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