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At Ideal Lending our experienced loan officers will explain loan programs and offer great rates so you can meet your homeownership goals.


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Loan Programs for

Every Situation

Conventional loans provide borrowers with flexible options that can be customized to suit their specific needs. One of the significant advantages of conventional loans is the potential for cost savings making them a more affordable choice for many borrowers. Due to a lack of government backing, they do require better credit to qualify.

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FHA Loans can be a great choice for those that don’t qualify for conventional loans. FHA loans are backed by the government and have lower down payment requirements and flexible qualifications. 

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VA Loans are an excellent option for Veterans and surviving spouses. A VA home loan offers good interest rates, low- or no-down-payment options and no monthly mortgage insurance requirement.

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With a USDA Loan, qualified borrowers can purchase or refinance a property, located in a designated rural area, up to 100% LTV. USDA Loans are not limited to first-time homebuyers and feature no down payment requirement.

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Jumbo Loans (also known as non-conforming loans) often require a higher credit score, a larger down payment, and stricter eligibility criteria compared to conventional loans. Jumbo Loans provide borrowers with the opportunity to secure financing for higher-value properties that may not qualify for traditional mortgage loans.

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Do you have the income to afford monthly mortgage payments, but are struggling to come up with the cash needed for a down payment and closing costs? Ideal Lending offers several Down Payment Assistance programs to help homebuyers like you come up with the upfront costs of buying a home.

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Get An Exact Monthly Payment Quote

Start your personalized home loan quote with a home loan specialist.


Why Choose

Ideal Lending as your Mortgage Lender

Local Mortgage Lender

With our team of local experts, you can trust us to provide personalized and trustworthy solutions tailored to your unique needs.

Competitive Interest Rates

Our expert Mortgage Loan Officers will walk you through your options and customize the best loan terms and interest rate for you.

Income Based Pre-Approvals

Income-based pre-approvals offer a number of advantages that will make your search easier and negotiations more effective when you’re ready to make an offer.

5-Star Mortgage Lender

Whether you are buying a home for the first time or interested in refinancing, our goal is to help our clients get optimum rates and loan terms while providing excellent 5-star service.


How Much Can You Afford?

When purchasing a home, it’s common to have many questions. Use our mortgage calculators to make an informed decision and have a clearer understanding of your financial obligations when buying a home.

Mortgage Payment Calculator

Use our mortgage calculator to estimate your monthly mortgage payment.

Closing Costs Calculator

Use our Florida Mortgage Closing Costs Calculator to estimate your total closing expenses.

Rate Buydown Calculator

Estimate your monthly savings with our 3-2-1 Rate Buydown calculator.

Reverse Mortgage Calculator

Use our simple reverse mortgage calculator to estimate your eligibility.