Discover Florida Home Loan Programs with
Linx Mortgage Group

No matter which program you choose to explore, Linx Mortgage Group is proud to provide timely communication, expert advice, and the personal touch of a local, owner-operated brokerage.

From first-time home buyer programs to refinancing options, we tailor our services to meet your unique needs in Sarasota and throughout Florida.

Let’s find the right mortgage solution for your needs.

Explore some of our Florida Home Loan Programs

First-Time and Low-Down Payment Options

  • Conventional Loans with 3% Down: Ideal for first-time home buyers or those with a smaller down payment, offering competitive rates and flexible terms.
  • FHA Loans: Accessible home financing for buyers with lower credit scores, requiring as little as 3.5% down.
  • Down Payment Assistance & Grant Programs: Programs designed to help reduce the upfront costs of buying a home, perfect for buyers who qualify for assistance.

Specialized Purchasing & Renovation Loans

  • FHA 203k & Fannie Mae HomeStyle Renovation: Finance both the purchase of a home and the cost of its renovation with a single loan.
  • VA (Veteran’s Administration) Loans: Exclusive to veterans and active military, offering zero down payment options and favorable terms.
  • USDA Loans: For rural and suburban home buyers, offering zero down payment and low rates.
  • Foreign Nationals Loan Program (ITIN): Tailored financing for non-U.S. citizens looking to purchase homes in Florida.

Advanced Financing Solutions

  • Bank Statement or 1099 or Profit and Loss Only: Ideal for self-employed individuals who use bank statements or other documents to prove income.
  • Jumbo Loans: Financing for high-value properties that exceed the limits of conventional loans.
  • Non-QM Options: Non-traditional mortgage solutions for those not meeting the standard lending criteria.

Investment & Property-Specific Financing

  • Fix and Flip for Home Investors: Short-term financing for investors looking to renovate and sell properties.
  • DSCR Investment Property Cash Flow Programs: Loans are based on the cash flow generated by the property rather than personal income.
  • Manufactured Housing Loans: Specialized loans for purchasing manufactured homes.
  • Non-Warrantable Condo Financing: For condos that do not meet conventional guidelines, offering alternative financing options.

Unique Situations & Opportunities

  • Reverse Purchases & Refinances: Allows seniors to tap into their home equity to secure cash or purchase a new home.
  • Interest Rate Buydowns: Lower your interest rate for the initial years of your mortgage.
  • Self-Employed Borrower Programs: Tailored loans considering the unique income situations of self-employed individuals.

Additional Financing Options

  • Escrow Holdbacks: Allows funds to be set aside in escrow for repairs or upgrades post-closing.
  • Home Equity Loans & Lines of Credit: Utilize the equity in your home to secure funds for various needs.
  • Hard Money Lending: Asset-based lending suitable for those needing quick financing.
  • Bridge Loans: Short-term loans to bridge the gap between selling a current home and purchasing a new one.

Direct Contact

Amy Velsh
Mortgage Broker & CEO
NMLS# 2077378

Linx Mortgage Group LLC
NMLS# 2550938
1626 Ringling Blvd Suite 102
Sarasota, FL 34236

Phone: 941-315-5877
Email: [email protected]

Start Your Home Financing Conversation



Linx Mortgage Group’s approach is all about understanding your unique needs and providing clear, tailored advice to help you make informed decisions. Whether you're buying your first home, refinancing, or exploring investment opportunities, we're committed to presenting options that align with your goals.



Amy Velsh

Certified Mortgage Advisor & CEO

NMLS# 2077378

Linx Mortgage Group LLC

NMLS# 2550938

1626 Ringling Blvd Suite 102

Sarasota, FL 34236

Phone: 941-315-5877

Email: [email protected]

Copyright ©2024 Linx Mortgage Group LLC. NMLS# 2550938. All Rights Reserved. Florida Mortgage Broker License NMLS 2550938; We arrange but do not make loans. MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. This Is Not An Offer To Enter Into An Agreement. Not All Customers Will Qualify. Information, Rates, And Programs Are Subject To Change Without Notice. All Products Are Subject To Credit And Property Approval. Other Restrictions And Limitations May Apply. Equal Housing Opportunity.  Privacy Policy. Terms of Use. Site by Rachelle Deem