Loan Programs
Colin Group LLC offers a range of mortgage solutions. Programs and terms vary and are subject to credit approval and underwriting.
FHA (incl. 100% FHA with DPA)
Federal Housing Administration loans offering low down payment options and flexible credit requirements for primary residences. Includes specialized 100% financing programs combined with down payment assistance for eligible borrowers.
Conventional (3% down)
Standard mortgage loans not insured by the government, featuring down payments as low as 3% for first-time homebuyers. Competitive rates and private mortgage insurance options are available for qualified applicants.
VA
Exclusive long-term financing for veterans, active-duty service members, and eligible surviving spouses. These loans often require no down payment and no monthly mortgage insurance.
USDA
Zero-down payment mortgages specifically for homes located in eligible rural areas. These government-backed loans help low-to-moderate income individuals achieve homeownership in designated communities.
Down Payment Assistance / Hometown Heroes
Specialized grants and secondary loans designed to cover down payment and closing costs for eligible Florida residents and essential community workers.
Jumbo
High-balance mortgage solutions for luxury properties that exceed local conforming limits. Features tailored terms and competitive rates for qualified applicants.
DSCR Investor
Qualified loans based on the cash flow and rental income potential of an investment property rather than personal income verification.
Bank Statement / P&L / No-Income-Doc
Flexible documentation loans for self-employed professionals, verify income through bank statements or profit and loss statements without tax returns.
ITIN
Mortgage programs welcoming borrowers using an Individual Taxpayer Identification Number, providing paths to homeownership for hard-working residents.
Foreign Nationals
Financing options for non-residents looking to purchase investment or vacation properties in the US with streamlined documentation requirements.
Multi-family 2-4 Units
Residential mortgage solutions for properties with up to four housing units, ideal for combined owner-residency and rental income generation.
Construction / Renovation
Comprehensive financing that covers both the property purchase and planned improvements or new building costs in a single-close process.
Cash-out Refinance
Tap into your home equity to receive a lump sum for large expenses like debt consolidation, renovations, or further property investments.
FHA Streamline
Fast-track refinancing for existing FHA borrowers, offering reduced paperwork and no new appraisal to lower monthly payments efficiently.
HELOC
A flexible Home Equity Line of Credit providing access to funds as needed, with interest only paid on the amount borrowed.
2-1 Buydowns
Lower your interest rate and monthly payments for the first two years of your loan, providing increased affordability during ownership transition.
ARMs
Adjustable-Rate Mortgages featuring fixed initial terms followed by periodic interest rate adjustments based on market conditions.
Subject to credit approval.