Home Loans | FHA, VA, Conventional, Jumbo — BD Mortgage Group

Your Mortgage, Simplified — Fast Approvals. Smart Rates. Expert Guidance.

From Conventional, FHA & VA to Non-QM, HELOC and DSCR — BD Mortgage Group delivers the right loan for homebuyers, homeowners and investors across FL, GA, CA, TX, VA, NJ, and PA.

★★★★★ Rated 4.9/5 — NMLS #1636013

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★★★★★ Rated 4.9/5

Trusted by homebuyers across FL, GA, CA, TX, VA, NJ, and PA

Lender One Capital Co Finance Inc

What Homebuyers Say

“Seamless pre-approval and great rate. We closed ahead of schedule.”

— A. Martinez (CA)

“They explained FHA vs. Conventional clearly and saved us money.”

— J. Patel (FL)

“As a veteran, the VA loan process was handled with care and speed.”

— D. Harris (VA)

Loan Programs

Choose a category and explore options tailored to your goals.

FHA

Lower down payment and flexible credit guidelines.

Start FHA options →

Conventional

Competitive fixed or adjustable rates for qualified buyers.

Check eligibility →

VA

Zero down and no PMI for eligible veterans and service members.

See VA benefits →

USDA

No down payment for eligible rural properties.

Check property eligibility →

Jumbo

Financing above conforming limits for high-value homes.

Discuss jumbo rates →

HELOC

Flexible line of credit using your home’s equity.

See HELOC options →

First-Time Homebuyer

Low down payment paths and step-by-step guidance.

Get a plan →

Refinance

Lower payment, shorten term, or access cash-out.

Compare refi options →

Construction-to-Perm

One-time close covering construction + permanent mortgage.

Plan your build →

DSCR (Investor Cash-Flow)

Qualify based on rental income vs payment; great for investors.

Check DSCR options →

Bank Statement

Use 12–24 months statements — ideal for self-employed.

See bank-statement loans →

1099-Only

Qualify with 1099 income forms instead of full tax returns.

Explore 1099-only →

P&L Only

Profit-and-Loss qualification with CPA/preparer validation.

Review P&L options →

Asset Depletion

Impute income from liquid assets to qualify.

See asset-depletion →

Fix & Flip

Short-term rehab financing for investors and builders.

Get fix-and-flip rates →

Commercial Real Estate

Acquisition, refinance, or bridge for income-producing properties.

Explore CRE loans →

SBA 7(a) & 504

Government-backed financing for real estate, equipment, or working capital.

See SBA options →

Equipment Financing

Fund new or used equipment with flexible terms.

Check equipment financing →

Business Line of Credit

Revolving access to working capital for ongoing expenses.

Open a business LOC →

Working Capital

Short-term funding to smooth cash flow and fuel growth.

Get capital options →

We Serve Homebuyers Across the U.S.

We’re licensed in Florida, Georgia, California, Texas, Virginia, New Jersey, and Pennsylvania.

🏖️ Florida (FL)

FHA, Conventional, VA, Jumbo

Apply in Florida →

🌳 Georgia

FHA, VA, Conventional, HELOC

Apply in Georgia →

🌴 California

Jumbo, Conventional, HELOC

Apply in California →

🤠 Texas

Conventional, FHA, VA, Jumbo

Apply in Texas →

🦅 Virginia

VA, Conventional, FHA, HELOC

Apply in Virginia →

🏙️ New Jersey

Conventional, Jumbo, HELOC

Apply in New Jersey →

🏞️ Pennsylvania

Conventional, FHA, Refi

Apply in Pennsylvania →

Get the Homebuyer Guide

Understand down payments, closing costs, credit, and the step-by-step mortgage process.

We’ll email you the PDF and a checklist to help you get pre-approved faster.

Request the Guide

Home Loan Basics — What to Know

How underwriting works, what documents you’ll need, and how to choose the right mortgage.

How Approvals Work

  1. Profile review: credit, income, assets, and debt-to-income (DTI).
  2. Property factors: appraisal, occupancy, loan-to-value (LTV).
  3. Rate & terms: product fit (fixed vs ARM), points, lock options.
  4. Clear to close: verification, disclosures, and closing documents.

Eligibility & Documents

  • Government ID & Social Security
  • Recent pay stubs (W-2) or 1099/self-employed income
  • Two years of employment history
  • Bank statements (assets & reserves)
  • Most recent 2 years tax returns (when applicable)
  • Mortgage statement & insurance (for refi)
  • Purchase contract & disclosures (for purchase)
  • Credit consent & required forms

Compare Mortgage Types

Product Best For Down Payment PMI
FHAFirst-time or flexible creditAs low as 3.5%Yes (MIP)
ConventionalStrong credit/incomeAs low as 3%If < 20% down
VAEligible veterans0% downNo PMI
USDAEligible rural properties0% downYes (annual fee)
JumboHigh-value homes5–20%+ depending on profileVaries

Contact Us

Have questions? We're here to help.

[email protected] • 727-761-6111

Mortgage FAQs

How much are closing costs?
Typical buyer closing costs range about 2%–5% of the loan amount (sometimes up to ~6%). You’ll receive an itemized Loan Estimate before you lock.
When can I remove PMI on a conventional loan?
PMI generally falls off at 78% LTV automatically; you can request removal at 80% LTV with a strong payment history and appraisal support.
What down payment do I need?
Programs start at 0% down (VA/USDA), ~3–3.5% (Conventional/FHA) and vary for Jumbo based on profile and reserves.
How long does pre-approval take?
Many borrowers receive a same-day pre-approval after providing key docs. Complex scenarios may take longer.
Fixed vs. ARM — which is better?
Fixed loans provide payment stability; ARMs may start with lower rates and are useful if you expect to sell or refinance within the fixed period.

Equal Housing Lender • NMLS #1636013 • © BD Mortgage Group

9800 4th St. N. Ste 200, Saint Petersburg, FL • [email protected] • 727-761-6111

© 2025 BD Mortgage Group LLC. BD Mortgage Group is a licensed mortgage brokerage providing home loan solutions. Home lending products are offered through BD Mortgage Group LLC, NMLS ID #1636013 (https://nmlsconsumeraccess.org), a licensed mortgage brokerage operating in Florida (FL), Georgia (GA), California (CA), Texas (TX), Virginia (VA), Maryland (MD), Washington, D.C. (DC), New Jersey (NJ), and Pennsylvania (PA). BD Mortgage Group LLC is headquartered in St. Petersburg, Florida. Loan products and services are subject to state and federal regulations and may not be available in all states. BD Mortgage Group LLC is an Equal Housing Lender. Licensed by the N.J. Department of Banking and Insurance. BD Mortgage Group LLC partners with a network of real estate professionals to provide home financing solutions. We do not directly offer real estate, title insurance, or home inspection services. Our role is to facilitate mortgage solutions tailored to our clients' needs. Equal Housing Opportunity. linktr.ee/bdmortgagegroup. All rights reserved.