(844) 994-3325

You're ready to buy a home ...

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

Our goal is to provide excellent service.


“Ideal Lending Solutions went above and beyond. I wasn’t just a client. I felt like family!”

– Megan H.

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Why Choose Ideal Lending Solutions?

Local Lender

Ideal Lending Solutions, a division of American Financial Network, Inc. is a direct lender with multiple branches throughout Florida. We take pride in serving our local community!

Competitive Interest Rates

Rates are up, but are still near historic lows. Talk to an expert Ideal Lending Solutions Loan Officer who will walk you through your options and customize the best loan terms and interest rate for you.

Income-Based Pre-Approvals

An income-based pre-approval from an Ideal Lending Solutions' Loan Officer offers 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.

Family in front of new home

Loan Programs

Mortgage loans are uniquely individual, we at Ideal Lending Solutions offer a wide range of residential loan programs tailored to your specific needs, including first time home buyer programs, debt consolidation, vacation homes, investment properties, home improvement, and mortgage programs for homebuyers with less than perfect credit.

First time homebuyers may be able to purchase with as little as 3% down. Homeowners may refinance up to 85% and take cash out. Purchase using gift funds for your down payment or refinance and roll closing costs into your loan. 

FHA Loans are great loans for people looking for lower down payment requirements and flexible qualifications. They offer: 

  • Purchase, refinance, and home renovation financing options. 
  • As low as 3.5% down payment.
  • Down Payment Assistance programs available. 
  • Minimum 580 credit score. 
  • Ability to use monetary gifts for down payments or closing costs.
  • No prepayment penalties if you pay off your home early.

Veterans and surviving spouses may purchase or refinance with no money down, no appraisal fee, and no mortgage insurance premiums. You may be able to roll closing costs into the loan with minimal paperwork. *May have upfront fees. 

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. 

Tap into the available equity in your home or consolidate high interest credit card debt with a Cash-Out Refinance.

Lower your interest rate, change loan terms, and possibly remove mortgage insurance with a Rate & Term Refinance.

Purchase or refinance with LTV’s as high as 80% for one-unit properties. Jumbo loans are available for primary residence and second home properties valued up to $3 million. Homeowners may qualify with a minimum FICO score of 700. 

Reverse mortgages are available to homeowners 62 years or older, allowing them to possibly tap into their homes equity. Borrowers must continue to make property tax, insurance, and other maintenance payments in order to avoid risk of default. 

HomeStyle® , HomeReady™, 203(k), Bank Statement Loans, and more!

What Our Customers Have To Say


Talk to a Mortgage Specialist

Buying a new home or refinancing your current loan? Our experienced team of loan originators are dedicated to making that a reality.


Visit a Local Branch

Ideal Lending Solutions is a direct lender licensed in all 50 states. We have multiple branches throughout Florida and North Carolina.

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An Ideal Lending Solutions Loan Officer will contact you to review your mortgage loan options.