The Right Loan for Every Dream
Through our exclusive lending partner KLE Mortgage Financing (NMLS #2380070), we connect clients with a comprehensive range of mortgage programs — from first-time buyer assistance to investment property financing.
All mortgage programs and lending services are offered through our exclusive lending partner, KLE Mortgage Financing, LLC (NMLS #2380070). Leo Realty Capital Investments is a licensed real estate brokerage and does not originate mortgage loans.
FHA Loans
FHA loans are backed by the Federal Housing Administration and offer flexible qualification requirements. Ideal for buyers with moderate credit scores or limited savings.
VA Loans
VA loans are exclusively available to veterans, active-duty service members, and eligible surviving spouses — with no down payment and no private mortgage insurance.
USDA Loans
USDA loans provide 100% financing for eligible rural and suburban properties backed by the U.S. Department of Agriculture, offering competitive rates and no down payment.
Conventional Loans
Conventional loans offer flexibility for buyers with strong credit. Available for primary residences, second homes, and investment properties.
DSCR Loans
Debt Service Coverage Ratio loans qualify based on the property's rental income, not your personal income. Perfect for investors expanding their rental portfolio.
Hometown Heroes
The Florida Hometown Heroes Housing Program helps frontline community workers purchase their first home with down payment and closing cost assistance.
First-Time Buyer
Programs designed for first-time homebuyers combining low down payments, favorable interest rates, and educational support to make homeownership accessible.
Frequently Asked Questions
What is the Florida Hometown Heroes Housing Program?
The Florida Hometown Heroes Housing Program is a state-funded initiative providing down payment and closing cost assistance — up to $35,000 — for Florida's frontline workers including teachers, nurses, law enforcement officers, firefighters, military veterans, and child care workers. It includes below-market interest rates and a deferred second mortgage. Available to first-time homebuyers who are Florida residents.
What's the minimum down payment for an FHA loan?
FHA loans require as little as 3.5% down for borrowers with a credit score of 580 or higher. Borrowers with credit scores between 500 and 579 may still qualify with a 10% down payment. Gift funds are allowed for the down payment.
Do veterans really get 0% down on a VA loan?
Yes. VA loans are exclusively available to veterans, active-duty service members, and eligible surviving spouses, with zero down payment required and no private mortgage insurance (PMI). VA loans also offer competitive interest rates and the benefit of being assumable.
What's a DSCR loan and who is it for?
A Debt Service Coverage Ratio (DSCR) loan qualifies investors based on the rental income of the property — not personal income. This makes DSCR loans ideal for real estate investors expanding their rental portfolio without needing to document W-2 income. Minimum 20% down typically required.
Can someone with low credit still get a mortgage?
Yes. FHA loans accept credit scores as low as 580 (and sometimes 500 with a larger down payment). USDA and VA loans typically require 620-640+. KLE Mortgage Financing's licensed loan originators evaluate each borrower's full financial picture — not just credit score — to find the right program.
What's the difference between Conventional and Government-backed loans?
Conventional loans are not insured by the federal government — they typically require 3-20% down and 620+ credit, but the PMI can be removed at 20% equity. Government-backed loans (FHA, VA, USDA) carry federal insurance, allowing lower down payments and more flexible credit, but often have permanent mortgage insurance.
Who originates the mortgages — Leo Realty or someone else?
Mortgage loans are originated by Leo Realty's exclusive lending partner, KLE Mortgage Financing, LLC (NMLS #2380070). Leo Realty Capital Investments is a licensed real estate brokerage and does not originate mortgage loans directly.
Not Sure Which Program is Right for You?
KLE Mortgage's licensed loan originators will evaluate your situation and recommend the best option.
Speak With a Loan Originator