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 delivers the right loan for homebuyers, homeowners and investors across FL, GA, CA, TX, VA, NJ, and PA.

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★★★★★ 4.9/5 — NMLS #1636013
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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.

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%+Varies

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 ID Pay Stubs W-2s / 1099s Bank Statements Tax Returns (if self-employed) Landlord / Mortgage 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-prepared 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)
  • Property (refi): Current mortgage statement & homeowner’s insurance dec page

3 Steps to Apply

1
Tell us your goals.
Take the 60-second Loan Match Quiz to see programs and rates you qualify for.
2
Upload documents.
Use our secure portal (mobile-friendly). We verify income, assets, and credit; hard pull only when you’re ready to lock.
3
Lock your rate & get your letter.
Choose a plan, lock your rate, and receive your **Pre-Approval Letter** to shop with confidence.
Start My Loan Match Apply Now
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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 loan 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 →

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
Open secure contact form

Mortgage FAQs

Clear, direct answers to what borrowers ask most — written for humans, not robots.

  • ▼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 typically drops automatically at 78% LTV. You can request removal at 80% LTV with a clean payment history — a new appraisal can help if your home value has increased.
  • ▶What credit score do I need to buy a home?
    Many programs approve in the mid-600s; some FHA options permit lower. Higher credit often improves rate and mortgage insurance cost.
  • ▶How fast can I get a pre-approval?
    Often same day once we have your key documents. Our secure digital process speeds up review so you can shop with confidence.
  • ▶HELOC vs. Cash-Out Refinance — which is better?
    HELOCs are flexible and interest-only on what you draw; a cash-out refi replaces your first mortgage with a new fixed payment. We’ll model both so you can compare.
Want answers with your numbers? Get My Options →

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.

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