Mortgage Loan Programs | Florida Home Loans | Contemporary Mortgage Services, Inc.

One application. Multiple wholesale lenders. We shop the market so you don't have to.

The Right Program for Your Goals

As an independent mortgage broker, Contemporary Mortgage Services works with a network of wholesale lenders rather than a single bank. That lets us compare programs and pricing side by side to find the loan that fits your situation — whether you're buying your first home, refinancing, or investing.

Browse the programs below, or give us a call and one of our Loan Originators will help you narrow it down.

Home Purchase & Refinance Loans

Conventional Loans

Flexible financing with as little as 3% down for qualified buyers and PMI that can be removed.

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FHA Loans

Low down payment and flexible credit requirements — a favorite of first-time buyers.

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VA Loans

No down payment in most cases and no PMI for eligible veterans and service members.

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USDA Loans

Zero-down financing for eligible rural and suburban areas, including parts of Central Florida.

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Jumbo Loans

Financing for higher-priced homes above conforming loan limits.

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Refinance Loans

Lower your rate, change your term, or take cash out of your home's equity.

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Rate Options

Fixed-Rate Mortgages

The same rate and principal-and-interest payment for the life of the loan.

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Adjustable-Rate (ARMs)

A lower starting rate for the first 5, 7, or 10 years — ideal if you plan to move or refinance.

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Down Payment Help

Down Payment Assistance

Grants and deferred or forgivable loans to lower the cash you need at closing.

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Florida Hometown Heroes

Up to $35,000 in assistance for eligible Florida frontline workers, military, and veterans.

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Specialty & Investment Loans

Reverse Mortgages

Homeowners 62+ can turn home equity into cash with no monthly mortgage payment.

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DSCR Investment Loans

Qualify for rental properties based on the property's income, not your personal income.

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Bank Statement Loans

Self-employed? Qualify using your bank deposits instead of tax returns.

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Don't See Your Program?

We have access to many more options than we can list here. Tell us what you need and we'll find it.

Not Sure Which Loan Is Right for You?

Our Loan Originators will prequalify you and help determine the best program for your goals.

407-834-3377 | info@contemporarymortgage.com

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