Mortgage Loan Programs | FHA, VA, DSCR, Bank Statement & More | The Galli Team
Home › Loan Programs
25+ Lender Options · All 50 States · 29+ Years

Every Mortgage Program Under One Roof.

FHA, VA, DSCR, Bank Statement, ITIN, Jumbo, Construction — and more. Whatever your situation, we have the loan to match. We compare 25+ lenders to get you the best rate on the right program.

Find My Best Loan → 📞 (941) 529-1040
No hard credit pull 25+ lenders compared Response in 2 hours

Find Your Best Loan

Free · No hard credit pull · Response in 2 hours

🏠 Payment Calculator FREE 🏘️ DSCR Calculator FREE 💼 Bank Statement Calculator FREE 💵 $15K DPA Eligibility Quiz 60 SEC 🎯 Loan Match Quiz FREE 📚 Learning Center NEW 🏠 Payment Calculator FREE 🏘️ DSCR Calculator FREE 💼 Bank Statement Calculator FREE 💵 $15K DPA Eligibility Quiz 60 SEC 🎯 Loan Match Quiz FREE 📚 Learning Center NEW
Find Your Match in 30 Seconds

Which Loan Program Fits You Best?

Pick what describes you and we'll show you exactly which loan program is right for your situation.

🏠

I'm Buying My First Home

FHA, VA, conventional, and down payment assistance programs.

See First-Time Options →
💼

I'm Self-Employed

Bank statement, 1099, P&L loans — no tax returns needed.

See Self-Employed Options →
🏘️

I'm a Real Estate Investor

DSCR and portfolio loans — qualify on rental income.

See Investor Options →
🔄

I Want to Refinance

Rate & term, cash-out, home equity — lower your payment.

See Refinance Options →
$15K
Buying in Manatee County? Check your down payment assistance. Up to $15,000 toward down payment & closing costs for qualified buyers — 0% interest, no monthly payment. Plus the MCC tax credit bonus.
Take the 60-Second Quiz →
Featured Programs

Most-Requested Loan Programs.

These three account for 70% of our closings. They solve problems banks can't.

Most Popular · Self-Employed

💼 Bank Statement Loans

Qualify using 12–24 months of bank deposits — no tax returns required. Built for business owners, freelancers, and 1099 contractors.

  • No tax returns needed
  • Up to $5M loan amounts
  • Same-day pre-qualification
    • Explore Bank Statement Loans →     Investor Favorite

    🏘️ DSCR Investment Loans

    Qualify based on the property's rental income — not your personal tax returns or W-2s. No DTI limits. No property cap.

  • No income docs required
  • Unlimited properties
  • LLC vesting allowed
    • Explore DSCR Loans →     Best for First-Time Buyers

    🇺🇸 FHA & VA Loans

    Just 3.5% down with FHA. 0% down with VA. Combine with down payment assistance for nearly zero out-of-pocket closings.

  • Credit scores from 580+
  • 0–3.5% down options
  • Pairs with DPA programs
    • Explore First-Time Programs →
    All Programs

    Every Loan Type, Explained.

    The right loan depends on your income, down payment, credit, and goals. Here's the full menu.

    3% Down

    🏠 Conventional Loans

    The standard most homebuyers use — as low as 3% down with strong credit. Flexible terms for qualified buyers.

    Learn More →
    3.5% Down

    🇺🇸 FHA Loans

    Low down payment + flexible credit. Most popular first-time buyer program. Accepts scores starting at 580.

    Learn More →
    0% Down

    ⭐ VA Loans

    100% financing for eligible veterans, active-duty, and military. No PMI required. Best rates in the industry.

    Learn More →
    0% Down

    🌾 USDA Loans

    Zero-down financing for eligible buyers in designated rural and suburban areas. Income limits apply.

    Learn More →
    No Tax Returns

    💼 Bank Statement Loans

    Self-employed buyers qualify on 12–24 months of deposits instead of tax returns. Write-offs don't disqualify you.

    Learn More →
    No Income Docs

    🏘️ DSCR Investor Loans

    Real estate investors qualify based on rental income. No personal DTI, no W-2s, no tax returns.

    Learn More →
    Up to $25K

    💵 Down Payment Assistance

    Florida Housing, HFA of Manatee County ($15K), Chenoa, FHLB grants — combined with FHA/conventional for near-zero out-of-pocket closings.

    Check Eligibility →
    Build & Buy

    🔨 Construction & Renovation

    Finance purchase + construction or renovation in one streamlined loan. Single-close construction-to-permanent.

    Ask About This →
    Use Your Equity

    🏦 Home Equity Loans

    Access your home's equity for renovations, debt consolidation, or investments. HELOC and fixed-rate options.

    Learn More →
    No SSN Required

    🆔 ITIN Loans

    For borrowers without a Social Security Number. Tax ID accepted. We help borrowers others won't touch.

    Ask About This →
    Up to $5M

    💎 Jumbo Loans

    Traditional and non-QM jumbo options for higher-priced homes. Waterfront, luxury, and vacation properties.

    Ask About This →
    Flexible Docs

    📊 Non-QM Loans

    Flexible solutions for borrowers who don't fit traditional guidelines. P&L only, 1-year tax returns, asset depletion.

    Ask About This →
    "With 25+ lenders and dozens of programs, almost every borrower has a path forward. The trick is finding the right one — that's our job."
    Chris Galli · Region Manager · NMLS# 13152
    Who We Help

    Built For Borrowers Like You.

    🏠

    First-Time Homebuyers

    Low-down-payment options, down payment assistance, and step-by-step guidance.
    💼

    Self-Employed

    Bank statement and 1099 programs that bypass tax return requirements.
    🏘️

    Real Estate Investors

    DSCR loans qualified on rental income — no personal income docs required.
    🎖️

    Veterans

    VA loans with zero down, no PMI, and the lowest rates in the industry.
    🔄

    Homeowners Refinancing

    Lower your rate, shorten your term, or pull cash out for renovations or debt.
    ✈️

    Relocating Buyers

    Moving to Florida? Use your offer letter to qualify before your start date.
    Common Questions

    Loan Program FAQs.

    Straight answers about which loan fits which situation. No vague corporate speak.

    The right loan depends on your income type, down payment, credit, and property goals. Tell us your situation in the short form above and we'll match you to the best 2-3 options based on what 25+ lenders offer. No pressure to commit — just clarity on what's possible.
    Yes — traditional jumbo loans and non-QM jumbo programs up to $5,000,000. Common uses include waterfront homes, luxury properties, and high-priced primary residences.
    Yes. Conventional investment loans go as low as 15% down for qualified borrowers. DSCR loans typically need 20–25% down but qualify based on rental income — making them easier to stack for portfolio building. Run your numbers on our free DSCR calculator.
    DSCR (Debt Service Coverage Ratio) loans are for investment properties. The rental income qualifies the property — no tax returns or personal income documents needed. Perfect for investors with multiple properties or high write-offs.
    Some programs require seasoning (typically 3–6 months of ownership). FHA streamlines have specific seasoning requirements. We'll review your situation and tell you what timeline works for your goals.
    Standard requirements: income documentation, bank statements, ID, and a credit check. Non-QM programs (like bank statement loans) skip the tax return requirement. We send you a clear, short list once we know which program fits.
    Yes. FHA loans accept scores starting at 580. Some non-QM programs go lower. We've closed loans for buyers with scores in the high 500s — your situation matters more than just the number.
    No — we're licensed in all 50 states. Florida is our home base (Bradenton and Sarasota), but we close loans across the country every month.
    Markets We Serve

    Local Florida Coverage.

    Sarasota Bradenton Lakewood Ranch Wellen Park Orlando Tampa St Petersburg Venice
    25+ Lenders · 12+ Programs · No Hard Credit Pull

    There's a Loan for Your Situation.

    Tell us about your situation — we'll show you the 2-3 best loan programs that fit, with rates from 25+ lenders compared on your behalf.

    Get My Loan Options → 📞 Call (941) 529-1040
    No hard credit pull 25+ lenders compared Response in 2 hours No obligation
    Get Pre-Qualified 📞 Call Now