The four programs that finance the most American homes, in one place. Explore down payments from 0% and flexible credit options with Jimmy Nadeau — serving homebuyers across Orlando & Central Florida.
Most homebuyers start here. Traditional loans — Conventional, FHA, VA, and USDA — are the four programs that finance the vast majority of American home purchases, with down payments ranging from 0% to 3.5% for qualifying borrowers.
A traditional mortgage follows the mainstream, government-influenced lending guidelines most people think of when they picture a home loan. The two big categories are conventional loans (not backed by the government, following Fannie Mae and Freddie Mac standards) and government-backed loans (FHA, VA, and USDA), which are insured or guaranteed by federal agencies to make homeownership more accessible.
These programs usually offer the lowest rates and lowest down payments available — which is why they're the first stop for first-time buyers and move-up buyers alike.
Jimmy Nadeau at CrossCountry Mortgage in Winter Park, FL works with buyers across Orlando and Central Florida. Here's what's on the menu:
Government-free financing with down payments as low as 3% for strong-credit borrowers.
Learn more →3.5% down and flexible credit guidelines — backed by the Federal Housing Administration.
Learn more →100% financing with no mortgage insurance for veterans and active-duty military.
Learn more →Low down payments and flexible credit make FHA, USDA, and VA especially popular.
Conventional loans with 3% down and no mortgage insurance once you hit 20% equity.
VA loans deliver 100% financing with no mortgage insurance.
USDA loans offer zero down across 91% of the U.S. landmass.
Conventional loans typically price best for 740+ credit scores.
FHA and VA are forgiving on credit events with flexible guidelines.
Heads up: The "best" traditional loan is the one that fits your credit, down payment, and property — not the one with the flashiest rate. Jimmy will run the numbers side-by-side before you choose.
Jimmy Nadeau is a Senior Loan Officer with CrossCountry Mortgage — America's #1 Retail Mortgage Lender. That scale means competitive pricing and access to down payment assistance programs most loan officers can't offer, plus a local Winter Park advisor who picks up the phone.
Straight answers to the questions borrowers ask most. Your loan officer is always your best resource for your specific situation.
Jimmy will review your situation and point you to the right traditional loan — no jargon, no pressure.
Jimmy Nadeau Senior Loan Officer
CrossCountry Mortgage · Branch #3982 · Winter Park, FL
147 E Lyman Avenue, Suite D & C-1, Winter Park, FL 32789
NMLS #2102442
CrossCountry Mortgage, LLC · NMLS #1444822 · Equal Housing Lender
This page is for informational purposes and is not a commitment to lend. Program availability, guidelines, rates, and terms vary and are subject to change. Your rate may vary. Terms apply.