Find the Right Loan for Your Florida Home or Investment
From first-time homebuyers to experienced investors, Clear Sky Lending offers a full range of flexible loan programs designed to meet your needs.
Loan Programs
FHA Loans
FHA loans are government-backed and offer lower credit score requirements and down payment options as low as 3.5%.
Great for Florida condos, townhomes, and starter homes.
Conventional Loans
These loans offer flexible terms and competitive rates. Put down 20% or more and you can skip private mortgage insurance (PMI).
Perfect for suburban neighborhoods or established buyers upgrading homes.
Jumbo Loans
Buying a luxury property in Miami, Naples, or coastal Florida? Jumbo loans offer financing beyond standard limits—with competitive terms.
Great for beachfront or high-end
real estate purchases.
VA Loans
VA loans require no down payment and no mortgage insurance, making them one of the most powerful options available.
Florida is home to many military families—we’re proud to serve you.
Bank Statement Loans
Skip the tax returns—qualify based on your monthly business deposits. This is a game-changer for freelancers, entrepreneurs, and small business owners.
Popular with self-employed Floridians, in real estate, healthcare, or hospitality.
DSCR Loans (Debt Service Coverage Ratio)
Instead of relying on personal income, DSCR loans let you qualify based on the cash flow of the property.
Ideal for Airbnb hosts and long-term rental property investors in Florida.
Foreign National Loans
No U.S. credit? No problem. We offer tailored loan options for non-residents investing in Florida real estate.
Especially popular in Miami, Orlando, and Tampa markets.
Reverse Mortgages
If you’re 62 or older, you may be eligible to access the equity in your home with no monthly payments.
Used for retirement income, downsizing, or even purchasing a new home in Florida.
SBA Loans
Use an SBA 504 or 7(a) loan to buy a commercial building with as little as 10% down. Great for owner-users who want to grow their business.
Includes office, retail, industrial, and mixed-use properties.
The Clear Sky Advantage
Construction Loans
Quick, common-sense financing for lot purchases, new construction, and renovation projects—without all the red tape.
Private Loans
Enjoy fast closings, flexible terms, equity-based approvals, and direct access to decision-makers—without the usual builder or bank hurdles.
Private Investing
You earn monthly payments, and we handle the vetting, valuation, and documentation to ensure your investment is protected.
