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Rick Scherer
NMLS #102054
352-446-9422
Mortgage Loan Programs
Which Mortgage is Right for You?
There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we're here to help you choose the best type of home loan for you needs.
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Conventional Mortgage Loans
Conventional Loans
A Conventional Loan offer more flexibility and fewer restrictions for borrowers, especially those with good credit and income.
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FHA Mortgage Loans
FHA Loans
FHA Loans offer a lower down payment and credit score requirements. Great for First-Time Homebuyers.
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VA Mortgage Loans
VA Loans
VA Loans are for military personell and veterans. They offer flexible guidelines, no down payment and no PMI.
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USDA Mortgage Loans
USDA Loans
These are rural housing loans that require specific property requirements and location. There are also strict income and purchase price limits.
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Down Payment Assistance Mortgage Loans
Down Payment Assistance
These loans help borrowers purchase a home with no money down. We have programs that allow credit scores as low as 600 with great rates.
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Jumbo Mortgage Loans
Jumbo Loans
Jumbo Loan programs are for higher priced homes above the Conforming Loan Limit. They require higher credit scores and down payment.
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Other Loan Program Options
Bank Statement Loans
We offer Bank Statement Loans for Self-Employed borrowers. These loans typically require higher credit scores and larger down payments. They are a great program for those that claim little to nothing on their tax returns.
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Construction Loans
Construction Loans offer borrowers the ability to have a home built on their own land. The loan finances the construction of the property. You make small payments as money is used to build the home and then converts to mortgage loan once complete.
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Debt Service Coverage Ratio (DSCR)
DSCR loans are used for investors that can purchase investment homes without using any personal income. These loans require higher credit score and down payment. Income is used from the rental income that is produced from the property.
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Orlando Branch
7380 W Sand Lake Road, Suite 500
Orlando, FL 32819
NMLS #2265768
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321 Research Parkway, Suite 303
Meriden, CT 6450
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Equal Housing Lender. © 2025 Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | NMLS ID# 17022 | For licensing information, go to: www.nmlsconsumeraccess.org | AZ Mtg. Banker Lic MB-0929069 Licensed by The Department of Financial Protection and Innovation under the CA Residential Mtg. Lending Act Lic #: 4130947 IL Residential Mtg. Licensed by the NH Banking Dept. Licensed by the NJ Dept. of Banking and Insurance OH Mortgage Broker Act Mtg. Rhode Island Licensed Lender TX location 5020 Riverside Dr, Suite 300, Irving, TX 75039 Licensed Mortgage Banker—NYS Department of Financial Services- NY location 265 Broadhollow Rd, Suite 100, Melville, NY 11747 This is not a loan approval or commitment to lend, applications are subject to full review and approval, other terms and conditions may apply. This is an advertisement. Nothing in this advertisement should be construed as an endorsement or recommendation of services of any other entities or persons shown.

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