A classic choice for homebuyers seeking stability and flexibility. Conventional loans aren’t backed by the government, which means fewer restrictions and more control over your terms. With competitive rates and as little as 3% down, they’re ideal for buyers with solid credit and a steady financial foundation looking to build equity fast.

Enjoy 100% financing and affordable homeownership in eligible rural and suburban areas. USDA loans are backed by the U.S. Department of Agriculture and designed to support moderate-income buyers who want to live outside major metro zones. You’ll love the low fixed rates, flexible credit guidelines, and no-down-payment option.

Build your portfolio without the paperwork. DSCR loans qualify based on the property’s cash flow, not your personal income or employment. Perfect for investors buying rental homes or refinancing existing ones- because your property’s performance should speak for itself.

Luxury living deserves a loan to match. Jumbo financing covers high-value homes that exceed conforming limits- perfect for luxury estates, waterfront properties, and exclusive addresses across Florida. Enjoy personalized options, competitive rates, and tailored service for loan amounts up to $3 million and beyond.

Predictability, peace of mind, and stability- this is the cornerstone of the classic fixed-rate mortgage. Your interest rate never changes, so your monthly payment stays consistent from day one to the final payment. A great choice for buyers planning to stay put and want to lock in long-term security.

Florida real estate attracts the world- and D&L helps make it accessible. Our Foreign National Loan program is designed for non-U.S. residents purchasing vacation homes or investment properties in the U.S. Qualify using international income, assets, or credit references- no U.S. credit history required. Whether you’re across the border or across the ocean, we’ll help you invest with confidence.

Dreaming of homeownership? FHA loans make it easier to get there. Backed by the Federal Housing Administration, they offer low down payments (as little as 3.5%) and flexible credit requirements—ideal for first-time buyers or anyone rebuilding credit. At D&L, we’ll guide you through every step to make your homeownership journey seamless.

ARMs start with a lower introductory rate, making them a smart move for buyers planning to refinance or sell within a few years. After the fixed period, the rate adjusts with the market- offering flexibility and potential savings. Perfect for strategic homeowners or investors who want to maximize buying power today.

Not everyone fits the traditional mortgage mold, and that’s where Non-QM (Non-Qualified Mortgage) loans shine. These programs are designed for self-employed borrowers, investors, and those with unique financial situations who may not meet standard income documentation requirements. Whether you qualify through bank statements, asset depletion, or rental income, D&L Mortgage Solutions helps you access flexible financing tailored to your real-life success story- not just your tax returns.

A well-deserved benefit for those who’ve served. VA loans are available to eligible veterans, active-duty service members, and surviving spouses, offering zero down payment, no PMI, and some of the most favorable terms available. At D&L, we’re honored to help our heroes secure the homes they’ve earned.

Turn potential into profit. Renovation and rehab loans let you finance both the purchase and improvements of a property in one streamlined loan. Whether it’s updating your dream home or flipping an investment property, D&L makes it simple to fund your vision from start to finish.

Your home’s equity can be one of your strongest financial tools, and with a Second Mortgage or Home Equity Line of Credit (HELOC), you can access that value without refinancing your first loan. Whether you’re consolidating debt, renovating your home, or funding a major purchase, D&L Mortgage Solutions helps you choose the option that fits your goals. With competitive rates, flexible terms, and personalized guidance, we make it easy to put your equity to work for you.