First Time Homebuyers

Buying your first home is a big decision! Let us guide you through the process and explain the available programs, down payment options, closing costs and more.

USDA Rural Development

The USDA Rural Development program offers you the ability to purchase a home with NO down payment if the property is located in a designated rural area.

Construction Financing

Building or renovating a home requires special financing.  We offer the FHA 203(k) renovation loan as well as a one-time close construction loan with only 3.5% down payment required.

Veterans (VA) Program

US FlagWe're proud to offer the government backed VA Home Loan Program with low interest rates, NO down payment and NO private mortgage insurance (PMI) to qualified U.S. Veterans.

Frequently Asked Questions

We're sure you have a ton of questions.  No worries...we're here to help you understand the mortgage process before you begin your home shopping!

Resources and Links

Resources and information relating to the mortgage process. We're here to help and we encourage you to contact us if you have any questions.


Equal Housing Lender
PRMI NMLS: 3094. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply.
This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Florida Office of Financial Regulation MLD646.
Licensed by the Massachusetts Division of Banks as a Broker and Lender as #MC3094. Bureau of Financial Institutions: MC-2248 Broker MC-2248 NMLS # 3094. NMLS Consumer Access.
“Licensed by the New Hampshire Banking Department” 10706-MB. Branch Phone: 603-718-3184

Eric LaFleur MLO165839
NMLS #996610