Page last updated: July 2026 · Program guidelines current as of publish date
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Complete Program Directory

Florida Mortgage Loan Programs

Smart-N-Loans offers Florida mortgage financing across seven core programs: DSCR investor loans, bank statement and Non-QM loans for self-employed borrowers, cash-out refinance, jumbo loans, and reverse mortgage programs for retirees. Licensed advisors Kelly and Ray Nadeau match each borrower to a program based on how they document income, not a one-size-fits-all application.

Most Requested

Cash-Out Refinance

Convert home equity into cash without selling. Fastest-closing program on this list — no purchase contract or seller coordination required.

Explore Cash-Out Refi → Investor

DSCR Loans

Qualify on the property's rental income, not personal income. No cap on financed properties. LLC-friendly.

Explore DSCR Loans → Retirement

Reverse Mortgage / HECM

Access home equity with no monthly payments required. For Florida homeowners 62 and older.

Explore Reverse Mortgage → Self-Employed

Bank Statement Loans

Qualify using 12–24 months of deposits instead of tax returns. Built for self-employed Floridians.

Explore Bank Statement → Self-Employed

Self-Employed Mortgage

Five qualification pathways: bank statement, asset depletion, 1099, P&L, and conventional.

Explore Self-Employed → Flexible

Non-QM Loans

Alternative documentation programs for borrowers who don't fit conventional agency guidelines.

Explore Non-QM → High-Balance

Jumbo Loans

High-balance financing for luxury primary residences, second homes, and estates.

Explore Jumbo Loans → Investor

Florida Investor Loans

DSCR, portfolio loans, and vacation rental financing for investors scaling a Florida portfolio.

Explore Investor Loans → Rate & Term

Refinance Loans

Lower your rate or change your loan term without pulling cash out.

Explore Refinance → First-Time

Right Down Payment

Down payment strategy and assistance program guidance for Florida buyers.

Explore Down Payment → Retirement

Retirement Mortgage Planning

HECM for Purchase, asset depletion, and conventional retirement income qualification.

Explore Retirement Planning → Luxury

Luxury Home Financing

White-glove advisory for high-value property buyers. Super-jumbo and private mortgage programs.

Explore Luxury Financing →
Still Comparing Loan Types?

See how FHA, VA, Conventional, and down payment strategies stack up before you decide.

Frequently Asked Questions

Choosing the Right Florida Mortgage Program

How do I know which Florida mortgage program is right for me?
The right program depends on how you document income and what you're financing. Real estate investors typically use DSCR loans qualified on rental income. Self-employed borrowers typically use bank statement loans qualified on deposits instead of tax returns. Retirees accessing equity typically use reverse mortgage or HECM programs. A licensed advisor can match your specific situation to a program in one conversation.
Can I qualify for more than one loan type?
Yes. Many borrowers qualify for multiple programs and choose based on rate, documentation burden, and timeline. A self-employed investor, for example, may qualify for both a bank statement loan and a DSCR loan on the same property and should compare both before choosing.
Does Smart-N-Loans offer FHA and VA loans in Florida?
Smart-N-Loans focuses primarily on DSCR, bank statement, jumbo, and reverse mortgage programs for investors, self-employed borrowers, and retirees. For FHA and VA options, see our FHA vs. VA and FHA vs. Conventional comparison guides, or ask your advisor to review government-backed options alongside our core programs.
Begin Your Advisory

Not Sure Which Program Fits? Let's Talk It Through.

Private consultation with Kelly or Ray Nadeau. No obligation, no application, no pressure — just clarity on your options.

Schedule a Consultation → Already Qualified? Apply →
📞 321-321-9455 · Kelly Nadeau NMLS #1027618 · Ray Nadeau NMLS #1027617
Kelly Nadeau NMLS #1027618 | Ray Nadeau NMLS #1027617 | Equity Smart Home Loans NMLS #856170 | Equal Housing Lender
Not a commitment to lend. All loans subject to credit approval and program guidelines. Rates and programs subject to change without notice.
Trusted Resources:
CertainlySold.net FLHomesMagazine.com
Schedule Consultation 📞 321-321-9455