See if you qualifyin sixty seconds.
Answer nine questions and find out which Florida home loan programs you actually qualify for, including FHA, VA, first-time buyer and down payment assistance. It is free, and it never touches your credit score.
No credit impact
Soft check only. Your score is untouched.
About 60 seconds
Nine questions. No documents to dig up.
Low down payment
FHA from 3.5%. Assistance programs too.
A guide, not a lender
Javed does not lend you the money. He works out which loan programs you actually qualify for, explains what each one costs you in plain English, and then walks you through the process while a licensed lender underwrites and funds the loan.
That means you get someone whose job is to find your best option rather than to sell you one particular product. Checking costs you nothing, carries no obligation, and never touches your credit. Javed is paid from the lending side of a completed loan, not by charging you to look.
Free
to check your options
0
impact on your credit score
24 hrs
to a personal call back
From question to keys
Four steps from curious to closing. No applications and no paperwork until you decide to move.
Answer nine questions
Your goal, timeline, credit range, income range and down payment. No documents, no credit pull, nothing to upload.
See the programs that fit
You get matched against FHA, VA, conventional, first-time buyer and Florida down payment assistance, straight away.
Javed calls you back
Within 24 hours, personally. He goes through the real numbers and what your actual next step is. No call centre.
A licensed lender closes it
Javed stays with you through underwriting to closing while the lender funds the loan. One person, start to keys.
Which program does what
The short version of what separates the six programs. Every one of these has a full page with the detail.
| Program | Down payment | Credit | Best for | |
|---|---|---|---|---|
| FHA | 3.5% | 580+ | First-timers and anyone rebuilding credit | |
| VA | 0% | Flexible | Veterans and active military | |
| Conventional | 3% – 20% | 620+ | Strong credit, best long-run pricing | |
| First-Time Buyer | Varies | Varies | Renting now, buying your first place | |
| Down Payment Help | Reduced | Varies | Income within county program limits | |
| Refinance | 3%+ equity | Varies | Already own, want a lower rate or cash out |
Figures are typical program guidelines, not an offer. Your actual terms depend on credit, income, and the lender who underwrites the loan.
Where most people get stuck
Most people who come here are stuck on one of these six things. All six are workable.
You are renting and assume you cannot buy yet
Most people overestimate what they need saved. FHA starts at 3.5% down, and assistance programs can cut that further.
Your credit is not perfect
FHA allows scores from 580, and in some cases 500 to 579 with 10% down. A fair score does not end the conversation.
You are self-employed or 1099
No W-2 does not mean no mortgage. Bank-statement programs exist specifically for business owners and contractors.
You served in the military
VA loans are often 0% down with no monthly mortgage insurance. If you are eligible, it is usually the strongest option available.
You already own and rates have moved
A refinance review checks today’s options against your current loan to see if your rate, payment, or cash position can improve.
You just want to know where you stand
No pressure and no application. The check exists so you can make a decision with real numbers instead of guessing.
Straight answers, no credit hit
Most people never check what they qualify for, because they assume it will hurt their credit. It will not. Javed built this practice to give Florida buyers and homeowners a zero-impact way to see their real options first, then map the simplest path to get there.
Soft credit check
See your real options with zero impact on your score.
First-time buyer friendly
FHA financing from as little as 3.5% down.
Down payment help
Florida state and county assistance programs.
One person, start to close
You work with Javed directly. Not a call centre.
Read the detail
Every program in full: who it suits, what it takes to qualify, and the questions people ask most.
The things people actually ask
No. The questions on this site do not trigger a credit pull of any kind. Nothing is reported and your score is not affected. A hard credit check only happens later, if and when you decide to move forward with a full application through a lender.
See what you qualify for
Answer 9 quick questions to see which Florida home loan programs fit your situation - with zero impact on your credit score.