Mortgage Loan Programs
Your Path to Homeownership Starts with Zarro Mortgage Group — your trusted source for home loans in Martin County.
Zarro Mortgage Group specializes in Mortgage Loan Programs in Martin County and St. Lucie County, helping local buyers get pre-approved fast.
Types of Home Loans
We offer a wide range of Mortgage Loan Programs and home loans in Martin County and St. Lucie County designed for first-time buyers and seasoned homeowners alike.
Conventional Loans
Traditional financing with competitive rates and flexible terms for qualified buyers.
- Down payments as low as 3%
- No upfront mortgage insurance premium
- Competitive interest rates
- Loan Limits Below $819,000
- Fixed or adjustable rate options
FHA Loans
Government-backed loans designed to help buyers with lower credit scores and limited savings.
- Down payment as low as 3.5%
- Credit scores as low as 500 accepted
- Flexible debt-to-income ratios
- Gift funds allowed for down payment
- Assumable by future buyers
VA Loans
Exclusive benefits for veterans, active military, and eligible spouses with no down payment required.
- 100% financing - no down payment
- No private mortgage insurance (PMI)
- Competitive interest rates
- Lenient credit requirements
- Limited closing costs
Non-Conforming Loans
Flexible financing for borrowers outside traditional loan limits or qualification guidelines.
- Flexible income and credit qualification
- Self-employed / high-net-worth borrowers
- Available for primary or second homes
- Tailored solutions with competitive rates
- Can be used for investment properties
Jumbo Loans
Financing for luxury homes and properties that exceed conforming loan limits.
- Loan Limits Above $819,000
- Competitive rates for qualified borrowers
- Purchase or refinance available
- Custom loan structures
USDA Loans
Zero down payment loans for eligible rural and suburban properties backed by the USDA.
- 100% financing - no down payment
- Competitive interest rates
- Low mortgage insurance costs
- Income limits apply
- Property must be in eligible area
Not Sure Which Home Loan is Right for You?
Our experienced loan officers will help you navigate your options and find the perfect loan type based on your financial situation, goals, and homeownership plans.
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Everything You Need to Know About Mortgage Loan Programs From Zarro
Buying a home is one of life’s biggest milestones, and having the right partner makes all the difference.
At Zarro Mortgage Group, we specialize in guiding homebuyers through mortgage loan programs designed to fit every financial goal and stage of life. Whether you’re a first-time buyer in Martin County, upgrading to your dream home in St. Lucie County, or relocating along the Treasure Coast, our team helps you compare loan options with confidence.
From pre-approval to closing, we simplify the process, explain your options in plain language, and make sure your financing fits your long-term goals. With competitive rates, local expertise, and personalized support, Zarro Mortgage Group ensures your path to homeownership is smooth, stress-free, and built on trust.
How do I get pre-approved for a home loan in Martin County?
Getting pre-approved with Zarro Mortgage Group is quick and straightforward. Our local team reviews your credit, income, and goals to help you understand how much you can afford before you start shopping for a home. Pre-approval gives you a competitive advantage when making an offer and shows sellers you’re a serious buyer.