FHA (Federal Housing Administration Mortgages)

FHA loans help buyers purchase a home or existing homeowners refinance. They offer the advantage of a low down payment and more flexible guidelines for qualification. The loans are insured by the Federal Housing Authority.

  • For purchase or to refinance

  • 3.5% Minimum Down payment

  • 580 Minimum Credit Score

  • Fixed Rates or adjustable rates


A jumbo loan is a loan for an amount of money larger

than the conforming loan limits set by government-

backed agencies Fannie Mae and Freddie Mac. 

Conventional Mortgage

A mortgage loan not insured by any government program, conventional loans are the most common type of mortgage. Conforming conventional loans follow the loan amount guidelines set by Fannie Mae and Freddie Mac.

  • Purchase or Refinance Available

  • 3% Down payment  Required

  • 620 Minimum Credit Score

  • Fixed or adjustable rates

  • High Balance 



  • Purchase or Refinance Available

  • 0$ Down payment Required

  • 580 Minimum Credit Score

  • Fixed Rate Only with 30 Year Term

Is your property in a USDA Area? Find out by clicking

the link below:


Does your household income meet the requirement? Find out

by clicking the link below:


VA (Veterans Affairs Mortgages)

If you are serving in the Armed Forces, or are a veteran,

we first want to say THANK YOU for serving our country.

A VA Mortgage is a home loan that is guaranteed by the

Department of Veterans Affairs (VA). Purchases required

no down payment and Refinances provide streamline

documentation without appraisal.

  • Purchase or Refinance Available

  • 0$ Down payment Required

  • 580 Minimum Credit Score

  • No PMI requirement

  • Fixed Rates or adjustable rates

Construction End Loans

We are a locally owned mortgage lender who specializes in new construction end loans. We have closed 1000’s of New Construction loans. We have developed a system to reduce builders risk by buyer fallout during the construction phases. We personally work with many sales agents and many builders, who would recommend us.

The below loans get the added benefit of our lower

credit score guideline and flexible underwriting:

  • FHA

  • VA

  • USDA

  • Conventional

Construction to Perm Loan

If you're looking to build and finance your primary

residence or vacation home, a construction-to-permanent loan may be right for you.

For Loan Types:

  • FHA

  • VA

  • Conventional


A traditional mortgage allows borrowers to choose between a variety of options, from short-term ARMs to 30-year fixed rates and anything in between.

  • Get Cash Out to Leverage debt

  • Reduce mortgage payment and Interest Rate

  • Reduce your mortgage term

Florida Bond Programs

A mortgage loan program that offers down payment

for First Time home buyers that may not have the down

payment and closing cost needed to purchase a home.

  • ​Purchase Only

  • Fixed Rate - 30 Year Term

  • Income Restricted

  • To find out if you meet the income requirement click here

  • Facebook Social Icon
  • YouTube Social  Icon
  • Instagram Social Icon

Follow Us:

© 2021 Blue Dolphin Capital, Inc. All Rights Reserved.  Equal Housing Opportunity

Florida Licensed Mortgage Brokerage| NMLS # 1787779   

Licensed in: FL, CO, PA, AL

No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines by the lenders we work with, and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. For more information please review our Terms and Use, or call to speak with one of our license mortgage concierges.