Loan Programs

At Best Interest Mortgage, we offer many great loan programs & options to fit your specific financial needs. We understand each borrower's financial situation & preference is different. Below are the highlights of some of the loan programs we offer. Expand each option to review the details. To best determine the loan program & process that fits your purchase & refinance needs, contact us today! 

Florida Hometown Heroes

The Florida Hometown Heroes Housing Program through the Florida Housing Finance Corporation helps make homeownership more affordable for eligible front-line workers such as law enforcement officers, firefighters, educators, healthcare professionals, childcare employees, and active military or veterans.


The program provides down payment and closing cost assistance to first-time, income qualified homebuyers in an eligible occupation to assist them in the purchase of a primary residence.


A list of the approved occupations can be found below. Please know this list is subject to change. Contact us to confirm eligibility!


  • 911 Public Safety Communicator
  • Active-Duty Military Personnel
  • Acupuncturist
  • Adult Protective Services' Enforcement (DCF)
  • Advanced Practice Registered Nurse (APRN)
  • Anesthesiologist
  • Anesthesiologist Assistant
  • Assistant Public Defender
  • Assistant State Attorney
  • Assisted Living Facility (ALF) Administrator
  • Athletic Trainer
  • Basic X-Ray Machine Operator (Radiologic)
  • Blood Gas Analyst (Laboratory)
  • Career Specialist (Educator)
  • Child Protective Services' Enforcement (DCF)
  • Childcare Instructor
  • Childcare Operator
  • Chiropractic Physician
  • Chiropractic Physician's Assistant
  • Classroom Teacher
  • Clinical Nurse Specialist
  • Clinical Social Worker
  • CMA
  • CNA
  • Correction Officer
  • Correctional Probation Officer
  • Dental Assistant
  • Dental Hygienist
  • Dentist
  • Dietetic Technician
  • Dietician
  • Electrologist
  • Emergency Medical Technician (EMT)
  • Federal Sworn Law Enforcement
  • Firefighter
  • General Radiographer (Radiologic)
  • Genetic Counselor
  • Hearing Aid Specialist
  • Hearing Aid Specialist Trainee
  • Home Health Aide
  • Juvenile Detention Officer
  • Juvenile Probation Officer
  • Laboratory Director
  • Laboratory Supervisor
  • Laboratory Technologist
  • Laboratory Testing Technician
  • Librarian/Media Specialist (Educator)
  • Marriage & Family Therapist
  • Massage Therapist
  • Medical Assistant
  • Medical Physicist
  • Mental Health Counselor
  • Naturopathic Physician
  • Nuclear Pharmacist
  • Nurse Anesthetist
  • Nurse Midwife
  • Nursing Assistant (CNA)
  • Nursing Home Administrator
  • Nutrition Counselor
  • Nutritionist
  • Occupational Therapist
  • Occupational Therapist Aide
  • Occupational Therapist Assistant
  • Optician
  • Optometrist
  • Orthotic Fitter
  • Orthotic Fitter Assistant.
  • Orthotist
  • Osteopathic Physician
  • Paramedic
  • Pedorthist
  • Pharmacist
  • Pharmacy Technician
  • Phlebotomist
  • Physical Therapist
  • Physical Therapist Assistant
  • Physician
  • Physician Assistant
  • Podiatric Physician
  • Podiatric X-Ray Assistant
  • Practical Nurse (LPN)
  • Prosthetist
  • Prosthetist Orthotist
  • Psychiatrist
  • Psychologist
  • Radiologic Specialty Technologist
  • Radiologic Technologist
  • Radiology Assistant
  • Registered Dietician Or Nutritionist
  • Registered Nurse (RN)
  • Registered Nurse Anesthetist
  • Registered Respiratory Therapist
  • Respiratory Care Practitioner
  • Respiratory Therapist
  • School Counselor
  • School Psychologist
  • Social Worker
  • Specialty Technologist (Radiologic)
  • Speech Language Audiologist
  • Speech Language Audiologist Assistant
  • Speech Language Pathologist
  • Speech Language Pathology Assistant
  • Sworn Law Enforcement Officer
  • Veteran or Surviving Spouse of Veteran
  • Veterinarian
  • Veterinarian Assistant
  • Veterinarian Technician

Conventional & Conforming Loans

Conventional, or conforming loans, are the loan of choice for about 60% of all mortgage applicants. They typically consist of great rates and lower costs. Below are some highlights of this loan program: - Used on primary, secondary & rental properties - Down payments as low as 3% - Down payments of at least 20% include no PMI (private mortgage insurance) Contact us today to determine which loan program you qualify for! We'll work to get you the best loan option possible.

VA Loans

With VA loan programs, the VA helps service members, veterans & eligible spouses become homeowners by offering:

- Competitive interest rates
- No or low down payment options
- No mortgage insurance
- No prepayment penalties

Best Interest Mortgage supports the military & their families. We'll be more than happy to assist you with your mortgage needs. 

Also ask us about the streamline interest rate reduction refinance. Only available to VA vets!

FHA Mortgages

With down payment requirements as low as 3.5%, FHA loans can be popular with borrowers. An FHA loan is a mortgage insured by the Federal Housing Administration. Borrowers with an FHA loan pay for mortgage insurance, which protects the lender from loss if the borrower defaults on the loan. This mortgage insurance premium is 1.75% of the loan amount & can be rolled into the loan. FHA loans are great options for those borrowers who: - Require lower down payments - Lower credit score than conventional loans require - First time home buyer - Higher debt-to-income ratios Contact us today to determine if you qualify for an FHA loan (purchase or refinance)!

Jumbo Loans

Jumbo loans are necessary for those buyers & refinances where the loan amount exceeds the county conventional loan limit. Most jumbo loans today require full documentation: income, assets, etc. Jumbo loan requirements will depend on the borrower & situation. Best Interest Mortgage is happy to guide you in moving forward with your jumbo loan! Contact us today for more information!

USDA / Rural Housing

The USDA loan program allows borrowers purchasing a primary residence to obtain 100% financing, including closings costs. Financing up to 102% is available, which includes 2% USDA funding fee, no monthly mortgage insurance, 30 year fixed rates, & no down payment required. Sound too good to be true?! It's not, so contact us today for a free consultation on your mortgage options.

Investor Loans

Used to finance 1-4 family properties that will be for investment with as little as a 20% down payment. These programs are aggressively priced. Program may not be available in some states.