David Matthew Buck · NMLS #1176745Barrett Financial Group, L.L.C. · NMLS #181106

Start with understanding

Different paths.
The same place to call home.

A loan type is one part of the decision. Your budget, savings, property, and plans help determine which options are worth exploring.

A flexible starting point

Conventional

For buyers comparing financing outside a government-backed program.

What to consider

Conventional loans may work for a range of property and occupancy types. Down payment, reserves, and documentation depend on the loan and lender.

Compare the total payment and upfront costs. Private mortgage insurance may apply depending on your down payment and loan structure.

Read the official guide
Explore another path to ownership

FHA

For buyers who want to compare a government-insured mortgage.

What to consider

FHA financing can be worth discussing when savings or credit history affect your options. A lender still reviews your ability to repay and the property.

Consider both upfront and ongoing mortgage insurance, along with the payment and closing costs.

Read the official guide
For eligible military borrowers

VA

For eligible veterans, service members, and certain surviving spouses.

What to consider

VA-backed financing has distinct eligibility and entitlement requirements. David can help you understand the documents needed to explore it.

Discuss entitlement, any funding fee or exemption, occupancy, and the overall cash needed to close.

Read the official guide
A closer look at location

USDA

For households considering an eligible property and income-qualified program.

What to consider

USDA financing has property-location and household-income requirements. An eligible area alone does not establish loan eligibility.

Review household income, property eligibility, program fees, and lender requirements together.

Read the official guide
Financing a larger purchase

Jumbo

For loan amounts above the applicable conforming limit.

What to consider

Jumbo financing is evaluated against the lender’s own program requirements. Loan limits depend on the year and property location.

Ask about down payment, reserves, documentation, and how pricing changes across loan structures.

Read the official guide
Support with upfront costs

Florida assistance

For Florida buyers exploring down payment and closing-cost assistance.

What to consider

Assistance programs can have income, purchase-price, education, occupancy, and funding requirements. Availability can change.

Some assistance must be repaid or carries conditions. Review the full mortgage and assistance terms before deciding.

Read the official guide
These are starting points for a conversation. Program availability and eligibility are subject to lender review. A program name alone does not tell you the complete payment, costs, or requirements.
Not sure where to begin? Find your next step