Loan Programs
Every homebuyer has unique goals — and at A Plus Lending Group, we make sure your loan fits them perfectly. Whether you’re a first-time homeowner, a veteran, or looking to refinance, we help you secure the right program with speed, honesty, and local expertise.
Conventional Loans
Smart, flexible, and reliable financing for qualified buyers.
Conventional loans are ideal for borrowers with good credit and steady income who want predictable monthly payments.
Benefits:
- Competitive fixed or adjustable rates
- Flexible down payment options (as low as 3%)
- No upfront mortgage insurance required with 20% down
- Great for primary, secondary, or investment homes
Best for: Buyers seeking stability and long-term savings.
FHA Loans
Affordable options for first-time and lower-credit borrowers.
Backed by the Federal Housing Administration (FHA), these loans make homeownership accessible with smaller down payments and flexible requirements.
Benefits:
- Down payments as low as 3.5%
- Easier credit qualification
- Lower interest rates than many conventional loans
- Great for first-time homebuyers
Best for: Buyers needing a low down payment and easier approval.
VA Loans
Exclusive benefits for our military heroes.
VA loans—backed by the U.S. Department of Veterans Affairs—help active-duty service members, veterans, and eligible spouses buy or refinance homes with no down payment required.
Benefits:
- 0% down payment options
- No monthly mortgage insurance (PMI)
- Flexible credit and income standards
- Lower interest rates than conventional loans
Best for: Veterans, military members, and eligible spouses.
Refinance Loans
Lower your rate, shorten your term, or tap into your equity.
Refinancing can help you save money or unlock your home’s value for upgrades, debt consolidation, or investment opportunities.
Benefits:
- Reduce your monthly payment
- Pay off your mortgage faster
- Switch from adjustable to fixed rate
- Access cash from home equity
Best for: Homeowners looking to lower costs or access cash.
Investment Property Loans
Grow your wealth with smart financing options.
Whether it’s your first rental or an expanding portfolio, we help you structure financing to maximize your returns.
Benefits:
- Competitive rates for investment homes
- Flexible terms and down payments
- Fast closings to help you move quickly
Best for: Investors expanding into South Florida’s strong rental market.
Lower your rate, shorten your term, or tap into your equity.
Refinancing can help you save money or unlock your home’s value for upgrades, debt consolidation, or investment opportunities.
Benefits:
- Reduce your monthly payment
- Pay off your mortgage faster
- Switch from adjustable to fixed rate
- Access cash from home equity
Best for: Homeowners looking to lower costs or access cash.
Home Equity Line of Credit (HELOC) & Second Mortgage Loans
Turn Your Home’s Equity into Flexible Cash Flow
Your home is one of your most powerful financial tools. With a Home Equity Line of Credit (HELOC) or a Second Mortgage Loan from A Plus Lending Group, you can access your home’s built-up value to achieve your goals — from debt consolidation to renovations or investments.
What Is a HELOC?
A Home Equity Line of Credit (HELOC) allows you to borrow against the equity in your home as a revolving line of credit — similar to a credit card but with much lower interest rates.
You can borrow funds as needed, pay them down, and borrow again during the draw period.
Benefits:
- Competitive variable interest rates
- Pay interest only on what you use
- Access cash for any purpose — renovations, tuition, investments, or emergencies
- Flexible repayment terms
Best for: Homeowners who want ongoing access to funds and flexibility in borrowing.
A Second Mortgage (also called a Home Equity Loan) provides a lump sum of cash using your home’s equity as collateral.
Unlike a HELOC, you receive all the funds up front and repay them in fixed monthly payments.
Benefits:
- Fixed interest rate and predictable monthly payments
- Ideal for one-time expenses or large projects
- Potential tax advantages (consult your CPA)
- Keep your current first mortgage intact
Best for: Homeowners needing a one-time cash amount with steady payments.
Reverse Mortgage
Turn your home equity into income while staying in your home.
Benefits: Receive monthly payments or a lump sum with no required monthly mortgage payments.
Best For: Homeowners aged 62 and older seeking extra income, stability, or retirement flexibility.
Commercial Loans
Financing built for business growth.
Benefits: Flexible terms for real estate purchases, construction, or refinancing; competitive commercial rates.
Best For: Business owners, developers, or investors acquiring or improving income-producing properties.
Financing for Foreign Investors
Helping international buyers invest in Florida real estate.
Benefits: Streamlined approval without U.S. credit history, multilingual support, and tailored loan options.
Best For: Non-U.S. residents purchasing primary home, vacation homes, rental properties, or commercial real estate.