Photo of Bryson Smith


Cell - 239.293.6719Office - 239.529.5451Fax - 239.529.5351

email - Bryson.Smith@raveis.comwebsite -

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Loan Options

With access to hundreds of loan options, our loan officers will customize a mortgage solutions specific to your financial needs. Below are some of the most common loan products we offer:

Conventional Mortgages

Conventional Mortgages

Conventional Mortgages are backed by Fannie Mae & Freddie Mac. Offered in a fixed rate product with a term of 15, 20, 30 years as well as in ARM (Adjustable Rate Mortgages) products.

  • Fixed rate mortgage are guaranteed interest rate for the life of the loan
  • ARM products offer a lower interest rate for an initial fixed amount of time that adjusts through the life of the loan
  • Loans offered as low as 3% down for first-time hombuyers
  • Private mortgage insurance is required for down payments less than 20% down
  • Flexible loan term options
  • Primary, Residence, second home and investment options

FHA Loans

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration, which gives borrowers the following benefits.

  • Available for 1-4 family owner occupied properties
  • Seller is able to contribute up to 6% of sale price, but no cash back is permitted
  • Low 3.5% down payment
  • Gift funds are allowed from eligible donors for down payment
  • Options for non-occupant co-borrower
FHA Loans
Conventional Mortgages

Jumbo Mortgages

Jumbo loans offer an option for consumers who wish to borrow more than the conforming loan limit.

  • Option included for a bank account direct debt
  • Bridge loan financing is available
  • Special incentive available
  • Primary, Residence, second home and investment options
  • Fixed and ARM (Adjustable Rate Mortgages) available

VA Loans

VA loans are offered to veterans, active-duty service members, reservists and National Guard who have served or currectly serve on active duty.

  • 30-year fixed rate or adjustable-rate loans
  • Credit score requirements start below 680
  • Available to veterans and their spouses
  • No monthly mortgage insurance premiums
  • 100% financing options available
  • Seller can pay closing costs up to 4%
Conventional Mortgages
Conventional Mortgages

Renovation Loans

We offer all types of renovation loans- FHA 203K Limited & Standard, Fannie Mae HomeStyle & VA Renovation loans.

  • Add the cost of the property renovations to the purchase of the property in one mortgage transaction
  • The properties appraised value is based on the after improved value of the property

USDA Rural Development Loans

USDA Rual Development Loans offer incentives to consumers who reside in the United States Department of Agriculture's defined areas. Check the USDA map to see if you qualify.

  • 100% financing and no down payment
  • No required reserves
  • Borrower income and credit score eligibility restrictions apply
  • Seller credit towards closing costs are allowed
  • Low mortgage insurance
Conventional Mortgages