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

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

No hard credit pull to check options. From Conventional, FHA & VA to Non-QM, HELOC and DSCR — BD Mortgage Group serves FL, GA, CA, TX, VA, NJ, and PA.

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★★★★★ Rated 4.9/5 — NMLS #1636013
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Conventional

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Estimates only; not a commitment to lend. Taxes/insurance/PMI are estimates. Subject to credit and underwriting. NMLS #1636013.

Get Pre-Approved — What You’ll Need & How to Start

Fast, digital, and human. No hard credit pull to check options.

Documents Needed for a Pre-Approval Letter

Photo IDPay StubsW-2s / 1099s Bank StatementsTax Returns (if self-employed)Residence History
  • Identification: Driver’s license or passport
  • Income: 30 days of pay stubs; W-2s (2 yrs); Self-employed: 12–24 mo. bank statements and/or CPA P&L
  • Assets: Last 1–2 months of bank/brokerage statements (all pages)
  • Debts: Student loans, auto loans, credit cards, alimony/child support (if applicable)
  • Refinance: Current mortgage statement & homeowner’s insurance declarations

3 Steps to Apply

1
Tell us your goals.
Take the 60-second Loan Match Quiz to see programs you qualify for.
2
Upload documents.
Secure portal (mobile-friendly). Hard pull only when you’re ready to proceed.
3
Lock your plan & get your letter.
We finalize your Pre-Approval so you can shop confidently.
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Not ready to apply? Save your options.

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Loan Programs

Choose a category and explore options tailored to your goals.

FHA

Lower down payment and flexible credit guidelines.

Start FHA →

Conventional

Competitive fixed or adjustable rates.

Check eligibility →

VA

0% down and no PMI for eligible veterans.

See VA benefits →

USDA

No down payment for eligible rural properties.

Check property →

Jumbo

Financing above conforming limits.

Jumbo rates →

HELOC

Flexible access to home equity.

See HELOCs →

First-Time Homebuyer

Low down payment paths & guidance.

Get a plan →

Refinance

Lower payment, shorten term, or cash-out.

Compare options →

Construction-to-Perm

One-time close for build + mortgage.

Plan your build →

We Serve Homebuyers Across the U.S.

Licensed in Florida, Georgia, California, Texas, Virginia, New Jersey, and Pennsylvania.

Florida (FL)

FHA, Conventional, VA, Jumbo. Includes Hometown Heroes assistance for eligible FL workers.

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 (PDF)

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

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

Download the Guide (PDF)

Contact Us

Have questions? We’re here to help — real humans, fast replies.

Office
  • 9800 4th St. N. Ste 200, Saint Petersburg, FL 33702
  • Equal Housing Lender • NMLS #1636013
Hours
  • Mon–Fri: 9:00 AM – 6:00 PM
  • Sat: 10:00 AM – 2:00 PM • Sun: By appointment
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Most-Searched Mortgage FAQs

Grouped by topic so you find answers faster.

Buying

  • ▼How much house can I afford?
    Target housing (PITI + HOA + PMI) ≤ 28%–31% of income and total debt ≤ 36%–45% depending on program. We’ll model with your numbers.
  • ▶Do I need 20% down?
    No. Conventional can be 3%, FHA 3.5%, and VA/USDA may allow 0% if eligible. Jumbo varies.
  • ▶How long is a pre-approval valid?
    Typically 60–90 days. We refresh quickly with updated docs and credit if needed.
  • ▶What if the appraisal comes in low?
    Options include renegotiation, bringing funds, changing program/terms, or requesting a reconsideration of value.

Refinancing

  • ▶When does a refinance make sense?
    If you can reduce your rate, shorten term, remove PMI, or access cash-out with reasonable costs. We’ll run the breakeven vs your timeline.
  • ▶FHA Streamline vs VA IRRRL?
    FHA Streamline (for current FHA) and VA IRRRL (for eligible VA) are simplified refis; often limited docs and in many cases no appraisal.

Programs

  • ▶What is PMI and when can I remove it?
    PMI applies to many Conventional loans <20% down. It can auto-drop at 78% LTV or be requested at 80% LTV with a clean history; FHA MIP rules differ.
  • ▶What are seller concessions and limits?
    Seller-paid costs are allowed within program limits (e.g., 3–6% for many Conventional). We’ll structure your offer to stay compliant.
  • ▶Can I use gift funds?
    Often yes from an eligible donor with documentation. We provide the gift letter and transfer steps your program requires.

Credit & Rates

  • ▶What credit score do I need?
    Many programs approve above 580's range. Higher scores usually mean better pricing and mortgage insurance.
  • ▶Rate vs APR — difference?
    Rate is interest cost; APR includes certain fees/points so you can compare offers.
  • ▶Should I pay points or take a lender credit?
    Points lower rate; credits reduce cash-to-close. We’ll calculate the breakeven based on how long you’ll keep the loan.
  • ▶How do rate locks work?
    Common lock periods are 30–60 days. Extensions and float-downs may be available depending on program and market.

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

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

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