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Home Loans in Central Florida

See why Southern Home Team is your #1 Nationwide Mortgage Lender in the country.
New happy homeowners

Loan Options

  • Lot and Land Loans

    Ready to build your dream home but unsure about financing the land? Explore our guide on land and lot loans to find your path to property ownership.
    A couple looking an undeveloped lot for sale, with a lot and land loans document in hand.
  • Hometown Heroes

    Affordable housing for our Hometown Heroes! Get 5% Down payment assistance of the total loan amount (max $30k).
    mom playing the hometown hero with her son on the front lawn in front of their house.
  • Construction Loans

    Make your new home happen with a construction loan from Southern Home Team.
    Construction Loans
  • 30 Year Fixed Mortgage

    Get a FREE quote on a 30-year fixed-rate mortgage & save thousands of dollars per year. Get started today!
    30 year fixed rate mortgage
  • Down Payment Assistance

    Dive in to uncover how Florida's diverse down payment assistance programs can catapult your dream of homeownership from mere aspiration to exciting reality!
    A young couple joyously celebrating in front of their new, beautiful single-family home with down payment assistance in Florida
  • 15 Year Fixed Mortgage

    Get a FREE quote on a 15-year fixed-rate mortgage & save thousands of dollars per year.
    15 year fixed mortgage rates
  • Adjustable-Rate Mortgage

    Don’t waste time getting the run around with other companies. We’ll get you on your way to owning your own home quickly and easily.
    Adjustable-Rate Mortgage
  • FHA Loans

    Federal Housing Administration (FHA) Loans are a great option for first-time home buyers.
    FHA Loans
  • VA Loans

    Get a FREE quote on a VA Loan & save thousands of dollars per year.
    VA Loan
  • Jumbo Loans

    At Southern Home Team, we work hard to offer the best possible Jumbo Loan rates in the business.
    Jumbo Loan
  • 203K Loans

    Applying and qualifying for a 203k FHA Loan has never been simpler than with Southern Home Team.
    203K Loans
  • USDA Loans

    It’s never been easier to apply for a USDA Loan. Get a FREE quote with us today!
    USDA Loan
  • HARP Loans

    If you owe more on your current home than it’s worth, refinancing with a HARP Loan might be your best option.
    HARP Loan
  • Reverse Mortgage

    For those who are 62 years of age or older, a reverse mortgage is an excellent vehicle for tapping into the equity of your home.
    Reverse Mortgage Loan
  • Manufactured home Financing

    Find out how to qualify for a Manufactured/Mobile Home and get the best rates from Southern Home Team.
    Mobile home Financing
Southern Home Team

A Leader in the Home Loan Industry

Southern Home Team is a leader in the home loan industry. We provide our customers with simple methods of finding their best home loan solutions. Whether you’re looking to buy a new home or get a reverse mortgage to help you make ends meet, we’ve made the application and qualifying process easier than it’s ever been before. By streamlining the online application process, we’ve made it possible for you to apply for a home loan and be on your way in a matter of minutes. Because we’re experienced experts in the home loan industry, we’ve been able to develop all of the best tools to help our customers get the loans they need without any of the headaches or uncertainty that often comes with trying to close on a loan.
15 year fixed mortgage rates
Adjustable-Rate Mortgage
Fast & Easy

Loan Options That Best Fits You

If you’re curious about the different home loan options you have available and what you might qualify for, all you have to do is fill out a simple Qualifier form for a specific loan, and we’ll provide you with a list of amazing options. This allows you to compare all the options available to you and chose the one that best fits your current situation. Never before has it been so easy to weigh every available option. Learn more about our down payment assistance programs for first time home buyers. Simply choose the loan you’re interested in on the menu and get started with the HomeTown loans application process.
confident self-employed individual holding a bank statement in one hand

Options for Entrepreneurs & Investors 

Tired of facing endless hurdles and strict income verification requirements? Check out our exclusive loan programs tailored specifically for self-employed borrowers and investors that provides a hassle-free path to homeownership. Say goodbye to complex paperwork and hello to simplified qualifications. Discover how our programs, with the flexible bank statement requirements, generous loan amounts, and attractive terms, can unlock the door to your dream home. Options for approval include:

3 Month Bank Statement
12 Month Bank Statement
Investor Cash Flow
Portfolio Products

Homes for Heroes

Save even more with the Homes to Heroes program.

Homes for Heroes ServicesRegister Now

Home Loan Reviews