FHA loans
A flexible option often considered by first-time buyers and borrowers looking for a lower down payment path.
Florida · FHA · Conventional · Non-QM
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Get pre-approved and see what mortgage options may work for you.
Reinier Gonzalez · NMLS #2399025
Loan options
Financing shaped around your situation.
There is no single mortgage for every borrower. We will look at the full picture and identify options that fit your plans.
Conventional loans
A widely used financing option with a range of down payment choices and terms for qualified borrowers.
Non-QM loans
Alternative documentation options for self-employed borrowers, investors, and other unique financial profiles.
Loan approval, terms, and availability are subject to borrower and property qualifications.
Quick eligibility check
See which path may fit — in under a minute.
Answer four quick questions and get an instant, no-obligation sense of which loan programs may be worth exploring. No personal details, no credit check.
Question 1 of 4
What is the main purpose of your loan?
This quiz is an informal guide only. It is not a pre-qualification, pre-approval, or commitment to lend, and it does not affect your credit. All loans are subject to credit approval and program guidelines.
Payment calculator
Estimate your monthly payment.
Try different prices, down payments, and terms to see how the numbers change before you apply.
Conventional estimate includes PMI of about 0.5% per year of the loan when down payment is under 20%. Actual PMI varies by lender and borrower.
Principal & interest$2,023
Property tax (est. 1.25%/yr)$417
Homeowner's insurance (est. 0.5%/yr)$167
Estimated total monthly payment
$2,606
on a loan of $320,000 — 6.500%
Taxes, homeowners insurance, and mortgage insurance are estimates; actual amounts may differ.
This estimate includes principal, interest, estimated property taxes (1.25%/yr), homeowners insurance (0.5%/yr), and estimated mortgage insurance: FHA upfront MIP of 1.75% financed into the loan plus annual MIP estimated at 0.55% of the base loan, or conventional PMI estimated at 0.5%/yr of the loan when down payment is under 20%. Actual FHA MIP varies by loan size, term, and loan-to-value; actual PMI varies by borrower and lender. Excludes association dues and other closing costs. This is not a rate quote, offer, or commitment to lend. Contact me for personalized figures.
Today’s market rates
Where the market is — updated daily.
National averages from Mortgage News Daily, refreshed every business day. These are market averages, and not the rate available to you.
These figures are national averages published by Mortgage News Daily, an independent company — they are not published, endorsed, or guaranteed by Reinier Gonzalez or Vantage Mortgage Corp. They may be shown as interest rates without an annual percentage rate (APR). The APR — which includes certain loan costs — is the number to compare when evaluating an actual offer. These averages are not a quote, not an offer of credit, and not the rate available to you. Your rate and APR depend on your credit, income, property, loan program, and current market pricing. Call for an actual quote with both figures.
Housing market snapshot
The national housing market, in plain numbers.
Official figures from U.S. government data, updated automatically as new reports are released.
Latest reports from the National Association of Realtors
These are national economic statistics published by third-party sources — Freddie Mac, the U.S. Census Bureau & HUD, and the National Association of Realtors — for general information only. They are not published, endorsed, or guaranteed by Reinier Gonzalez or Vantage Mortgage Corp. The mortgage rate figures shown are interest rates, not annual percentage rates (APR), and are not a quote, not an offer of credit, and not a commitment to lend. Your rate and APR depend on your credit, income, property, loan program, and current market pricing. Call for an actual quote with both figures.
Your mortgage journey
One guide. Four clear steps.
You will always know where things stand, what comes next, and who to call.
- 01
Start with a conversation
We discuss your goals, timeline, income, and questions without pressure.
- 02
Review your options
I explain suitable programs and trade-offs in clear, straightforward language.
- 03
Prepare with confidence
We organize the required information and keep your loan moving forward.
- 04
Navigate to closing
You receive consistent updates and guidance through the final steps.
Why work with Reinier
Mortgage guidance should feel personal.
One point of contact
Work directly with me from your initial questions through closing.
Clear explanations
Understand the choices and trade-offs before you make a decision.
Options for real life
Explore traditional and alternative programs for different financial profiles.
Consistent communication
Stay informed as your application moves through each stage.
Common questions
Helpful answers, before you begin.
When should I speak with a loan officer?
Ideally, before you begin making offers. An early conversation can clarify your budget, available programs, and next steps.
Which loan program is right for me?
That depends on your goals, credit profile, income, property, and available funds. We will compare the relevant options together.
Can self-employed borrowers qualify?
Yes. Conventional and Non-QM programs may provide different ways to document income depending on your circumstances.
Does a conversation commit me to a loan?
No. Your first conversation is an opportunity to ask questions and understand possible paths before making a decision.
Personalized loan guide
Tell me your plans and see which loans may fit.
Describe your goals and your numbers. You'll get a plain-English overview of the programs worth exploring and what to do next — no credit check, no obligation.
Book a consultation
Pick a time that works for you.
Choose an open slot and I'll call you at the number you give me. Confirmation arrives by email right away.
Start your application
Tell me about your goals.
Share a few details and I will follow up personally to discuss your options. Prefer to talk first? Call 561-506-8222.
Ready when you are
Let’s talk about your next move.
Call or email to start a no-pressure conversation about your mortgage options.