First-Time Buyers & Down Payment Assistance
- FHA, conventional and USDA options
- Florida down payment assistance programs
- Low down payment solutions
Northeast Florida's premier mortgage team
Mortgage solutions
built around your goals.
From first-time buyers to self-employed borrowers, luxury homes, investors, and relocations — we help you navigate more loan options with a smarter strategy and a smoother path home.
More options. Better strategy.
A smoother landing to your home.
A smoother landing to your home.
Mortgage solutions for every stage of life
Solutions for every stage of life.
Every buyer's situation is different. That's why we work with a wide range of lending partners to help match you with the right solution — not just the easiest one to sell.
Conventional Mortgages
- Primary residences
- Second homes
- Condos & townhomes
- Temporary and permanent rate buydown options
VA / FHA / USDA Mortgages
- VA financing for eligible veterans
- FHA flexible qualification options
- USDA housing mortgages
- Low down payment solutions
A signature Carson Home Team specialty
Airline Pilot Mortgages
Pilot and aircrew income can look unfamiliar on paper. Eric combines more than 20 years of airline and corporate aviation experience with mortgage expertise to help document compensation clearly and explain it in language an underwriting team can evaluate.
- Airline pilots, corporate pilots and military aviators
- Flight attendants and other aviation or aircrew personnel
- Hourly guarantees, premium pay, training pay, per diem, bonuses and variable schedules
Jumbo, Physician & Professional Mortgages
- Physician & professional programs
- Asset and bank-statement mortgages
- Non-QM financing
- Non-warrantable condo mortgages
- No income and no employment programs: No-income and no-employment verification programs may be available for eligible borrowers. Eligibility, documentation requirements, and availability vary by applicant, lender, property, and program.
Investment & Commercial Mortgages
- DSCR investor mortgages
- Rental property financing
- Commercial real estate mortgages
- Cash-flow-based solutions
- Business-purpose financing
Construction, Land & Farm Mortgages
- Construction-to-permanent financing
- Vacant land and lot mortgages
- Farm property financing
- Barndominium and unique-property mortgages
- Custom home financing solutions
Not sure which loan option fits best?
Let's build a strategy around your goals, timeline, and financial picture.