Conventional Mortgage
A Conventional mortgage is a versatile loan option that’s ideal for buyers with solid credit and stable income. With competitive rates and flexible terms, it’s a great choice for purchasing a primary home, second home, or even an investment property. Let’s find the right fit for your goals!
Flexible loan options for primary, secondary, and investment properties
Competitive interest rates and terms
Lower costs without upfront mortgage insurance premiums
Ideal for borrowers with good credit and stable income
A Conventional mortgage offers flexibility, competitive rates, and options tailored to your needs. Whether you're buying your dream home or an investment property, I’m here to guide you every step of the way. Let’s work together to make your homeownership goals a reality!
FHA Mortgage
An FHA mortgage is designed to make homeownership more accessible with low down payment options and flexible credit requirements. Backed by the Federal Housing Administration, it’s a great choice for first-time buyers or those with less-than-perfect credit. Let’s get you closer to your new home!
Low down payment options starting at 3.5%
Credit-friendly guidelines for scores as low as 580 (500 with 10% down)
Backed by the Federal Housing Administration for added security
Great for first-time buyers or those with limited credit history
An FHA mortgage opens the door to homeownership with flexibility and affordability. Whether you're buying your first home or need a loan that works with your credit, I’m here to guide you through the process. Let’s make your dream home a reality!
VA Mortgage
A VA mortgage is a powerful benefit for veterans, active-duty service members, and eligible spouses, offering no down payment, no PMI, and competitive rates. Designed to honor your service, this loan makes homeownership affordable and accessible. Let’s put your VA benefits to work for you!
No down payment required for eligible veterans and active-duty service members
No private mortgage insurance (PMI) needed
Competitive rates and flexible credit requirements
Special benefits exclusively for those who served
A VA mortgage is more than just a loan—it’s a well-deserved benefit for your service. With flexible terms and no down payment required, I’m here to help you every step of the way. Let’s make your dream home a reality!
USDA Mortgage
A USDA mortgage is an affordable option for homebuyers in eligible rural and suburban areas, offering no down payment and competitive interest rates. Backed by the U.S. Department of Agriculture, this loan is designed to help more people achieve homeownership. Let’s see if this is the right fit for you!
No down payment required for eligible rural and suburban areas
Affordable fixed-rate options for low-to-moderate income borrowers
Backed by the U.S. Department of Agriculture for financial security
Helps expand homeownership in rural communities
Ready to make your dream of rural or suburban homeownership a reality? Contact me today to see if you qualify for a USDA mortgage and take the first step toward your new home!
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Renovation Mortgages
Renovation Loans like FHA 203(k), HomeStyle, and Choice Renovation Mortgages are perfect for turning a fixer-upper into your dream home—all with one loan. These loans cover the purchase and renovation costs, allowing repairs to start right after closing. From structural upgrades to cosmetic updates, they’re ideal for primary homes, vacation properties, or investments.
Enables borrowers to purchase or refinance home and cost of rehab
15 & 30 year term
For purchases can use with Temporary Rate Buydown
As low as 3% down for first time homebuyers, 3.5% for FHA and 0% down for USDA
Can be used for primary, vacation and investment properties
Ability to add a pool or ADU after closing
Eligible properties include single family, townhomes, condos, multi-unit up to 4 (Primary only), manufactured/modular homes
Borrower cannot be related or have a business affiliation with contractor
A Renovation Loan makes it easy to buy and transform a fixer-upper into the home or investment property of your dreams. Ready to get started? Contact me today, and let’s find the perfect loan to bring your vision to life!
Construction to Perm Mortgage
Construction-to-Permanent Loans streamline the process of building your dream home by combining construction financing and a mortgage into one. With a single closing, this loan transitions seamlessly from funding the build to becoming a long-term mortgage. It’s a flexible option for primary homes, vacation properties, and investments!
Can include cost of acquiring land, construction of the home
Get to choose design and customization
New construction has lower maintenance costs
Energy efficient
Latest smart home technology
Can be used with conventional, FHA, VA, USDA, Investor Loans
Converts to permanent mortgage after construction completed.
Down payment as low as 3% and zero down payment for VA/USDA
Credit score from 620+
A Construction-to-Permanent Loan simplifies building your home or investment property by combining construction and long-term financing into one. Ready to get started on your project? Contact me today, and let’s make your dream a reality!
Jumbo Mortgage
Jumbo Loans are perfect for buying high-value properties that go beyond standard loan limits. They’re great for primary homes, vacation spots, or investments and require good credit and a low debt-to-income ratio. If you’re looking to finance your dream home, a Jumbo Loan might be just what you need!
30-Year Fixed or 5/1 ARM with 10-Year Interest-Only with 40-Year Term options
12- and 24-Month Bank Statement programs with P&L statements NOT require
Up to $1,000,000 cash out – Cash out may be used as reserves
Loan amounts up to $3M
680+ FICO and up to 45% DTI
Up to 89.99% LTV
Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
Two appraisals from two different appraisers required for loans over $2M
A Jumbo Loan gives you the financing you need for high-value homes and investments. If you’re ready to take the next step, contact me today, and let’s find the right loan to make your dream property a reality!
Home Equity Line of Credit
A Home Equity Line of Credit (HELOC) lets you tap into the equity in your home for flexible, affordable financing. With higher credit limits and lower interest rates compared to credit cards or personal loans, a HELOC is perfect for managing expenses or funding projects. It’s a great option for primary, vacation, or investment properties!
Property ownership includes primary, secondary, and investors
Quick way to convert equity to cash
Speed to Close - Process from application to closing, in as few as 5 days
Opportunity to help pay for home improvements, consolidate high interest credit cards, cover medical expenses, purchase a second home or investment property
Loan amounts up to $500k
A HELOC is a smart way to access the equity in your home for anything from renovations to unexpected expenses. Ready to put your home equity to work? Contact me today, and let’s find the right solution for your needs!
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Wondering if it is a good time to refinance?
Great news! Borrowers with credit scores between 600-660 can now qualify for premium pricing, typically reserved for higher scores, making it easier to secure lower rates. We’re also offering closing cost assistance (limited spots), credit-friendly options for scores as low as 600, and extra lender credits for scores 720+. Available for Conventional, FHA, VA, and USDA refinances, including cash-out. Act now—this offer ends 12/31/2024!
© Pioneer Mortgage Funding, Inc. | NMLS# 1936558
Mortgage Broker only, not a Mortgage Lender or Mortgage Correspondent Lender
All loan approvals are conditional, not guaranteed, and subject to lender review of all information. A loan is conditionally approved when the lender has issued an approval in writing, but until all conditions are met, a loan cannot be funded. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. Pioneer Mortgage Funding, Inc is an Equal Opportunity Mortgage Broker headquartered in Tampa, Florida. This licensee is performing acts for which a mortgage broker license is required. Pioneer Mortgage Funding, Inc is licensed by the Florida Office of Financial Regulation, NMLS# 1936558. Pioneer Mortgage Funding, Inc. is approved to originate Conventional, FHA, VA, and USDA loans, and has the ability to broker such loans to Conventional, FHA, VA, and USDA approved lenders. Pioneer Mortgage Funding, Inc. is not acting on behalf of or at the direction of HUD/FHA or the VA.
Corporate Address:
142 W. Platt St
(855) 525-9070
