Mortgage Types

Working with Florida Mortgage Funding Group gives me multiple avenues for financing or refinancing your home loan.

Mortgage Types

Don’t believe everything you hear. If you are interested in an FHA Mortgage Loan and are told there are no closing costs, you’re either financing the closing costs through the loan or through the rate. For trustworthy home loan advice and services give me a call and let’s get you into your dream home, honestly. Once you’ve shopped around and found the house of your dreams, let’s connect to ensure that you receive the best rate on your new mortgage. Now is the perfect time to get you and your family into your dream home! Give me a call to get the process started. (239) 470-6086

Conforming Loan

A conforming loan is a mortgage where the underlying terms and conditions conform to the criteria of Fannie Mae and Freddie Mac. In the state of Florida, the maximum conforming loan amount on a single family residence is $417,000, with the exception of Collier County and Monroe County which have limits of $448,500 and $529,000 respectively. Fannie Mae and Freddie Mac are continuously in the market for conforming loans which makes a conforming mortgage more liquid than non-conforming. Criteria include debt-to-income ratio limits and documentation requirements. Fannie Mae and Freddie Mac only buy loans that are conforming, to repackage into the secondary market, making the demand for a conforming loan much greater.

FHA Loan

An FHA loan is a mortgage loan that is insured by the US Federal Housing Administration and provided by FHA approved lenders. FHA insured loans are considered federal assistance as the underwriting guidelines are not as strict as those of a conforming loan. FHA insured loans require an up front mortgage insurance premium (UFMIP) of 1.75% of the loan amount, which can be financed into the total loan amount. In addition to the UFMIP, monthly mortgage insurance is also required, which varies depending on the amortization term and loan-to-value ratio.


A Jumbo Loan is a mortgage loan that is in an amount above conventional conforming loan limits. This standard is set by Fannie Mae and Freddie Mac, and sets the limit on the maximum value of any individual mortgage they will purchase from a lender. Fannie Mae and Freddie Mac are government sponsored enterprises that purchase the bulk of U.S. residential mortgages from banks and other lenders. They are responsible for providing liquidity in the mortgage markets allowing lenders to approve more mortgages. When Fannie Mae and Freddie Mac limits don’t cover the full loan amount, the loan is referred to as a “jumbo mortgage”. The average interest rates on jumbo mortgages are typically higher than conforming mortgages. In Florida, the conforming loan limit for a single family residence is $417,000, with the exception of Collier County and Monroe County which have limits of $448,500 and $529,000 respectively.

VA Loan

A VA loan is a mortgage loan that is guaranteed by the U.S. Department of Veterans Affairs (VA) and provided by qualified lenders. The VA loan was designed to offer long-term financing to eligible veterans or their surviving spouses. The basic intention of the VA direct home loan program is to supply home financing to eligible veterans and provide them the option to purchase property with no down payment. The VA loan allows veterans 100% financing without private mortgage insurance. A VA funding fee of 0 to 3.3% of the loan amount is paid to the VA; this fee may also be financed into the loan.


The USDA loan program is administered by the US Department of Agriculture and is for “rural” areas. The program features a zero down payment loan with a low interest rate. There are income limits and the home must be located in an “eligible area.  For borrowers with limited funds and wanting to live in a rural area this maybe perfect for you.

Foreign National Loan

A Foreign National Program is a loan program for non-resident aliens and non – US citizens.  The program is for clients from Visa Waiver Program designated countries only.   A few countries that are included are Canada, Germany, Sweden, and Switzerland among others.

Construction Permanent Loan

A Construction-to-Permanent mortgage (CP loan) is a three-stage mortgage that allows you to finance the construction of your new dream home.

I process mortgage applications for the entire state of Florida and am conveniently located for clients in Fort Myers, North Fort Myers, Cape Coral, Lehigh Acres, Punta Gorda, Estero, Bonita Springs, and Naples.

Making Your Dreams of Homeownership Come True! 

Customized Mortgage Solutions

Current market conditions can make it difficult to obtain a home through the standard banking system. As my client, you will receive personalized, customer based mortgage loan services. Explore your options as we craft a strategic mortgage program tailor-made for you and your family.

Years of Experience

Average secured mortgage loans per year

Do I qualify for a mortgage loan? How much can I afford?

My clients concerns are my concerns. I’m Debbie Martin, Licensed Mortgage Loan Originator with Florida Mortgage Funding Group, servicing both home purchases and refinanced mortgage loans throughout Lee County and the entire state of Florida. I love what I do, and that’s why I do it so well! Whether it’s your first starter home or a million dollar retirement home, I will go the extra mile to guide you through the mortgage loan application process and secure the mortgage loan financing that puts the keys to the new home of your dreams in your hand!

Financial Advice

You need an experienced professional guiding you through the process.

Mortgage Loans

I have multiple avenues for financing or refinancing your home loan.

Safe and Secure

Trusted processes that keep your information secure and protected. 

Getting You Approved

Don’t think you’ll get approved for your dream home, think again. For many years I have helped hundreds of singles, couples, and families secure a mortgage loan, even after they were turned down by others. If you are FED UP with a loan officer who can’t seem to secure a loan for you, call (or text) me. (239) 470-6086

Dedicated to Serving You!

From my experience, many buyers don’t understand exactly how much they can afford when purchasing a home. Schedule a meeting with me where we will establish a budget that works best for your family to get you into your dream home at a dream price.

Mortgage Loan Types

Working with Florida Mortgage Funding Group gives me multiple avenues for financing or refinancing your home loan.

Mortgage Tips

 During your mortgage application there are a few things that you, the client, need to be aware of so that the mortgage loan process goes smoothly.

Apply Now

Click here for online tools to submit a secure online mortgage application, and find the home loan option that best suits your needs and goals.

Satisfied Customers

“Debbie is an amazing amazing loan officer. She always delivers excellent service above and beyond the highest expectations. She closes her loans on time and is very creative. She is willing to work on tough loans, not just the easy ones. Highly highly recommend her.”

Char S.

“Just a note to express to you my appreciation for all your “efforts” in helping me secure the loan on my house (condo). You are truly a “life saver.” You pulled it off!!! And for that I say, Thank You Very Much. Please enjoy dinner with your hubby on me. Gracias!!!”


1642 Medical LN Ste A
Fort Myers, FL 33907

NMLS #1057755

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