Not Sure Which Mortgage Program Fits?
You don’t need to know the loan program before starting. That’s what the Key West scenario review is for. The right path depends on your full picture — here are common options a licensed mortgage professional may consider.
Conventional Loans
A common path for many primary-home, second-home, and investment buyers.
Learn more →High-Balance Conforming
Above the baseline limit but within Monroe County’s high-cost ceiling.
Learn more →Jumbo Loans
Higher loan amounts for Key West’s premium property markets.
Learn more →FHA Loans
Flexible qualifying for eligible buyers, with high-cost-area considerations.
Learn more →VA Loans
Benefits for eligible veterans and service members buying in the Keys.
Learn more →Bank Statement Loans
Income documented through bank deposits for self-employed borrowers.
Learn more →DSCR Investor Loans
Qualify investment properties using projected rental cash flow.
Learn more →Non-QM Loans
Flexible programs for unique income, credit, or property scenarios.
Learn more →Cash-Out Refinance
Access home equity for renovations, investing, or consolidation.
Learn more →Why one lender may say no while another program may fit
Different lenders and programs have different guidelines. A “no” on one program does not mean every path is closed — another structure may be a better match for your Key West scenario.
Why the loan program depends on your full picture
- Income type and documentation
- Credit profile
- Property type and occupancy
- Down payment and reserves
- Loan amount
Why a scenario review helps narrow the options
Organizing the details first makes it easier to identify which paths are worth reviewing with a licensed mortgage professional — subject to guidelines and underwriting approval.
Start With the Situation
You don’t need to know the program. Start with the situation — no credit check to start.