The key to your new home from a name you trust

When looking for a mortgage, you want a lender with experience, trustworthiness and a solid reputation. A lender like Raymond James Bank that's part of one of the most trusted financial companies in the industry. We're committed to helping people who want to become homeowners attain their goal. That's why we offer a variety of mortgage options, including FHA and VA loans.

Flexible FHA and VA loans are available for both new purchases and refinancing. These affordable housing options feature low, fixed interest rates and reduced down payment requirements intended to help you unlock the doors to a new home.

FHA lending1

Raymond James Bank is pleased to offer FHA lending in Pinellas, Pasco, Hillsborough, Hernando, Manatee and Sarasota counties. FHA loans are government-insured and designed to broaden homeownership opportunities for qualified borrowers.

Raymond James Bank's FHA loans feature many benefits, including:

  • Flexible down payment options – Down payments can be made with only 3.5%2 of the purchase price, much lower than traditional mortgages.
  • No origination fee – We don't charge an origination fee, unlike many other lenders.
  • Ideal for first-time homebuyers – With low fixed rates and a small down payment requirement, FHA mortgages are designed with first-time homebuyers in mind.
  • Allows for assistance with closing costs – 100% of the down payment and closing costs can be gifted from a relative, nonprofit or government agency.
  • Fixed rates – A fixed, competitive rate for the life of the mortgage. In some cases, the mortgage may be offered at below-market interest rates.3
  • Financing up to $292,5004 – With a maximum loan amount of $292,500, an FHA mortgage is an appealing option for many homebuyers.

VA loans

We are happy to work with our country's veterans to help them and their families achieve their dreams of homeownership. We offer VA loans for eligible veterans, active duty personnel, certain reservists and National Guard members, and their spouses, in many cases.5

Advantages of VA loans include:

  • No down payment – Traditional mortgages require substantial down payments, but with a VA mortgage 100% financing is available.6
  • No origination fee – We don't charge an origination fee, unlike many other lenders.
  • Fixed rates – These mortgages feature a fixed, competitive rate for the life of the loan.
  • Lower monthly payments – These loans don't require mortgage insurance, potentially saving you thousands of dollars over the life of the mortgage.

To learn more about FHA lending and VA loans, including how you may benefit, call Lesley at 727.567.5762 or toll-free at 888.457.LOAN, ext. 75762. She can explain the loan programs and get you started on the path to homeownership.


Equal Housing Lender

1 FHA mortgages are available in Pinellas, Pasco, Hillsborough, Hernando, Manatee and Sarasota counties.

2 A $163,200 fixed rate 30-year term loan with a rate of 3.500% and an annual percentage rate of 4.051% would have 103 monthly payments of $819.79 followed by 257 monthly payments of $745.64. Payment will decrease slightly as mortgage insurance premium is adjusted during first 103 month. Down payment used in example is 3.5%. If an escrow account is required or requested, the actual monthly payments will also include amounts for taxes and homeowners insurance.

3 Call for details.

4 Maximum loan amount in Manatee and Sarasota counties: $442,500.

5 Certain restrictions may apply. Please call for details.

6 VA loans are subject to a maximum loan amount, which will vary in different areas. Available in Florida excluding Broward, Collier and Miami Dade counties. Subject to standard credit criteria. Products, terms and conditions subject to change.

Products, terms and conditions subject to change. Subject to standard credit criteria. Property insurance required. Flood insurance required if property is located in a designated flood zone of “A” or “V”. Call Raymond James Bank for rates and other information.

Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered savings bank. Unless otherwise specified, products purchased from or held at Raymond James & Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.

Equal Housing LenderMember FDIC